Best Business Credit Cards for December 2021

Business Save: Pre-DCH accordion

All information about the Capital One Spark Classic for Business has been collected independently by CreditCards.com and has not been reviewed by the issuer.

A guide to business credit cards

For most businesses – from brick-and-mortar storefronts to side hustles – a business credit card can be a great tool to track spending, save money on interest and earn rewards.

Business credit cards are similar to personal credit cards but come with a few key differences. That’s why, before applying, make sure to understand the application requirements and credit implications. You’ll also want to make sure that you look for a card that has all the features important to you. Do you want to make several large purchases without paying interest for a set period of time? Or do you simply want to earn cash back on the purchases you’re already making?

Once you know what you’re looking for, it’s time to compare credit cards. Here, we’ll walk you through the process.

Comparing the best business credit cards offers

Editor’s picks: Best business credit card details

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Why we picked it: This flexible business card offers a chance to earn a high cash back rate of 3% in one out of six categories (including internet and mobile services, gas stations, or office supply stores). Choose the category you anticipate being your top monthly expense in order to maximize earnings. Cardmembers also earn 2% cash back on dining purchases (on the first $50,000 in combined 2% and 3% category purchases, then 1%). Spend $3,000 in the first 90 days of account membership and receive a $300 statement credit. Not bad considering this card charges no annual fee!

Pros: There’s plenty to like about this versatile business card, including its lucrative rewards rate on bonus categories and dining and a relatively low regular APR of 12.24% for those who qualify. Its 0% intro APR makes it easy to finance big business purchases over nine billing cycles, after which the regular APR applies (12.24% to 22.24%, variable).

Cons: This card lacks many of the perks and management tools offered by similar business cards. And while there’s a lot of potential value here, not everyone will be able to keep track of rotating categories. If that sounds like you, you may be better off using a flat-rate credit card.

Who should apply? If your business requires a lot of time spent on the road or long power lunches with clients, you may find a lot of value in these bonus categories.

Who should skip? You won’t find much value in this card if the majority of your business expenses don’t align with its bonus categories. Likewise, the 3% foreign transaction fee isn’t ideal for those who frequently travel abroad for business.

Read our Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card review or jump back to this card’s offer details.

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for flexible bonus categories

Why we picked it: This flexible business card offers a high cash back rate of 3% on a slew of common business-related categories including internet and mobile services, gas stations, and office supply stores, among others. Choose the category you anticipate being your top monthly expense in order to maximize earnings. Cardmembers also earn 2% cash back on dining purchases (on the first $50,000 in combined 2% and 3% category purchases, then 1%). Spend $3,000 in the first 90 days of account membership and receive a $300 statement credit. Not bad considering this card charges no annual fee!

Pros: There’s plenty to like about this versatile business card, including its lucrative rewards rate on bonus categories and dining, and a relatively low regular APR of 12.24% for those who qualify. Its 0% intro APR makes it easy to finance big business purchases over nine billing cycles, after which the regular APR applies (12.24% to 22.24%, variable).

Cons: This card lacks many of the perks and management tools offered by similar business cards. And while there’s a lot of potential value here, not everyone will be able to keep track of rotating categories. If that sounds like you, you may be better off using a flat-rate credit card.

Who should apply? If your business requires a lot of time spent on the road or long power lunches with clients, you may find a lot of value in these bonus categories.

Who should skip? You won’t find much value in this card if the majority of your business expenses don’t align with its bonus categories. Likewise, the 3% foreign transaction fee isn’t ideal for those who frequently travel abroad for business.

Read our Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card review or jump back to this card’s offer details.

Capital One Spark Cash Plus: Best for flat-rate cash back

Why we picked it: The generous welcome bonus, flat cash back rate and annual bonus for heavy spenders make the Capital One Spark Cash Plus a standout option for best business rewards credit card.

Pros: Cardholders will earn unlimited 2% cash back on all qualifying purchases, with no need to track spending or enroll in bonus categories. Plus, there’s a welcome bonus of up to $1,000 ($500 if you spend $5,000 in your first three months and another $500 if you meet a total spending threshold of $50,000 in your first six months). In addition, this card comes with a good mix of business-friendly benefits including free employee cards, travel and emergency assistance as well as purchase security.

Cons: Because this is a charge card, you have pay off your balance in full each billing cycle. Additionally, it carries no ongoing APR or 0% introductory APR offers, making it less useful for those who need to free up cash flow or chip away at business expenses over time. It also comes with a $150 annual fee.

Who should apply? Business owners looking for a straightforward way to earn cash back on their everyday purchases will see a lot of value from this card, particularly heavy spenders due to its flexible spending limits and annual bonus.

Who should skip? Modest spenders may not find this card worth it. If you plan to put less than $30,000 on the card, you’ll likely be better off with a no-annual-fee card that earns 1.5% back on general purchases or bonus cash back in specific categories relevant to your business needs.

Read our Capital One Spark Plus review or jump back to this card’s offer details.

Ink Business Unlimited® Credit Card: Best for boosted rewards

Why we picked it: Not only will you earn unlimited 1.5% cash back on every business purchase, but you can also transfer your rewards to a qualifying Chase Ultimate Rewards card and boost their value by 25% when you redeem for travel.

Pros: Chase’s Ink Business Unlimited touts a lot of competitive features for a card with no annual fee. New cardholders can receive $750 bonus cash back if they spend $7,500 on purchases within their first three months from account opening. Plus, there is a 0% intro APR for 12 months on purchases (it’s 13.24% to 19.24% variable after that).

Cons: Points are only worth one cent unless you transfer them to a premium Ultimate Rewards card. Some business credit cards offer a higher base rewards rate, such as The Blue Business® Plus Credit Card from American Express.

Who should apply? This no annual fee credit card is ideal for small business owners looking for a straightforward rewards card without complicated rotating categories and spending caps.

Who should skip? While this card is an excellent choice for racking up rewards on day-to-day spending, big spenders looking for outsized rewards rates on specific categories would be better served by another card.

Related: Is the Ink Business Unlimited worth it?

Read our Ink Business Unlimited® Credit Card review or jump back to this card’s offer details.

The Business Platinum Card® from American Express: Best for luxury travel perks

Why we picked it: The Business Platinum Card® from American Express is one of the best business credit cards for travel. Cardmembers get an airline fee credit of up to $200 every year with one qualifying airline (enrollment required), airport lounge access, no foreign transaction fees (see rates and fees) and up to a $100 credit for Global Entry or TSA PreCheck.

Pros: The Platinum currently touts a generous welcome offer: New cardholders earn 120,000 points if they spend $15,000 on eligible purchases in the first three months of card membership. The card also offers up to $400 in statement credits per year for U.S. Dell purchases (up to $200 semi-annually, enrollment required, terms apply).

Cons: The annual fee is super high at $595 ($695 if application is received on or after 1/13/2022, not waived the first year) as is the spend associated with the current welcome offer. Prospective cardholders should consider whether they spend enough and travel enough to justify those costs.

Who should apply? Big business spenders who travel a lot for work can reap first-class benefits, including free airport lounge access, seat upgrades and a 24-hour concierge service with the Business Platinum Card from American Express.

Who should skip? If you don’t travel much, you may not be able to take full advantage of this card’s rewards.

Related: Who should and shouldn’t get the Business Platinum Card from Amex

Read The Business Platinum Card® from American Express review or jump back to this card’s offer details.

American Express Blue Business Cash™ Card: Best for no annual fee

Why we picked it: A cash back rate of 2% (on up to $50,000 per calendar year, then 1%) isn’t uncommon among business credit cards, but it is special when paired with no annual fee. The card also offers several attractive financing features, including a flexible spending capacity, a 0% introductory APR on new purchases for the first 12 months of membership (13.24% to 19.24% variable thereafter), and working capital terms after the first six months of membership (terms and restrictions apply). Plus, you can earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months.

Pros: This flat-rate cash back card offers some unique features, such as the possibility of spending beyond your credit limit with Expanded Buying Power and even earning cash back in those cases.

Cons: The 2% cash back rate caps at $50,000 in purchases per calendar year (then 1%).

Who should apply? One of the best credit cards on the market, American Express’ Blue Business Cash card is a standout option for new business credit card owners whose current expenses might not justify a card with an annual fee.

Who should skip? High-spending businesses may find they can earn more with an unlimited cash back card.

Related: American Express Blue Business® Plus vs. Blue Business Cash™

Read our American Express Blue Business Cash™ Card review or jump back to this card’s offer details.

Ink Business Cash® Credit Card: Best for cash back on office supplies

Why we picked it: It’s one of the only cards that includes a bonus on office supply spending. If you’re working from home for the foreseeable future, that cash back reward can help provide your employees the services they need to stay productive online.

Pros: The Ink Business Cash card currently comes with a sign-up bonus: Cardholders can earn $750 if they spend $7,500 in the first three months.

Cons: Potential cardholders may be put off by the 2,000 point minimum for redemptions, as well as the $25,000 cap on bonus category purchases.

Who should apply? This no annual fee business credit card is a great option for owners who spend a lot in its bonus cash back categories, namely on internet, cable and phone services, at office supply stores and on gas and dining. If those categories are outside your spending profile, consider a flat-rate cash back business card, like the Chase Ink Business Unlimited.

Who should skip? The $25,000 cap on bonus category purchases means that larger businesses could earn more elsewhere.

Related: Chase Ink Business Cash vs. Ink Business Unlimited

Read our Ink Business Cash® Credit Card review or jump back to this card’s offer details.

The Blue Business® Plus Credit Card from American Express: Best for long intro APR period on purchases

Why we picked it: American Express has a number of credit card solutions for a small business. The Blue Business Plus card offers a 0% introductory APR on new purchases for 12 months from the date of account opening (then 13.24% to 19.24%, variable), making it useful if you need to finance a large purchase for your business.

Pros: Cardholders have Expanded Buying Power, which lets them spend beyond their credit limit, so long as they repay it with their next statement. (Terms and conditions apply.) Additionally, you can earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership.

Cons: For larger business expenses, the 2X points on purchases caps at $50,000 a year (1X thereafter). Frequent international business travelers should note the 2.7% foreign transaction fee (see rates and fees).

Who should apply? The Blue Business Plus credit card is another solid option for business owners looking for a no annual fee card or flexible financing options.

Who should skip? Frequent travelers will find more value in another rewards program.

Read The Blue Business® Plus Credit Card from American Express review or jump back to this card’s offer details.

Ink Business Preferred® Credit Card: Best for sign-up bonus

Why we picked it: The card touts a hefty sign-up bonus of 100,000 points after a $15,000 spend within the first three months. Those 100,000 points are worth $1,250 toward future travel when you book through Chase Ultimate Rewards.

Pros: Your points are worth 25% more when you redeem them for travel through Chase Ultimate Rewards. Cardholders get up to $600 in cellphone protection against covered theft or damage ($100 deductible per claim, three times per year).

Cons: This isn’t the best credit card for business owners who want to do a balance transfer or finance a large purchase since it doesn’t offer a 0% introductory APR. There’s also a $95 annual fee.

Who should apply? Big business spenders might want to take advantage of that eye-popping sign-up bonus (100,000 points when you spend $15,000 within your first three months) as it’s currently one of the best on the market.

Who should skip? Anyone looking to do a balance transfer or finance a large business purchase should look around at different options.

Related: 5 reasons to get the Chase Ink Preferred

Read our Ink Business Preferred® Credit Card review or jump back to this card’s offer details.

Brex 30 Card: Best for startups

Why we picked it: This charge card offers several perks that are hard to find among business credit cards – but only if you’ve got funding. To be approved, you need to link a bank account containing at least $50,000 if professionally invested or $100,000 if not.

Pros: In return for meeting that core criteria, you won’t need to provide a personal guarantee, and you may get a credit limit 10X to 20X higher than what traditional business credit cards offer. CreditCards.com referrals get 50,000 bonus points after spending $9,000 within 30 days. In addition to the targeted bonus rewards categories, cardholders have access to built-in expense management, automatic receipt-matching, and instant virtual cards for their team. The card also integrates with QuickBooks, Xero, NetSuite, Concur and Expensify.

Cons: The Brex 30 Card is a charge card, meaning you’re required to pay your bill in full every 30 days.

Who should apply? This card is designed specifically with startups in mind.

Who should skip? Businesses that carry a balance month to month should look elsewhere as this is a charge card.

Read our Brex 30 Card review or jump back to this card’s offer details.

Capital One Spark Miles for Business: Best for rewards

Why we picked it: The strong sign-up bonus (earn 50,000 miles after a $4,500 spend within the first three months), coupled with the competitive base rewards program, provides a real opportunity to rack up rewards

Pros: The card lets business owners add employees to the account for no additional fee. Plus, earn 2X miles on every purchase. You can redeem any airline or hotel purchase for a statement credit and transfer your miles to more than 15+ travel loyalty programs, including Air Canada.

Cons: Travelers should note that the list of partner airlines is limited, with only one domestic carrier among them.

Who should apply? Consider the Capital One Spark Miles for Business if you’re looking for a flexible travel business rewards card – and you spend enough to justify the $95 annual fee (waived the first year).

Who should skip? The rewards rate is high but your business could end up missing out on big rewards in its top spending categories.

Read our Capital One Spark Miles for Business review or jump back to this card’s offer details.

Costco Anywhere Visa® Business Card by Citi: Best for everyday cash back

Why we picked it: This Costco credit card  for business features competitive cash back on common expenses, like gas and restaurants.

Pros: There’s no limit on potential rewards, which can be redeemed at Costco or for cash.

Cons: Cash rewards can only be redeemed once per year.

Who should apply? Business owners who are already Costco members will love this card’s rewards.

Who should skip? If you don’t live near a Costco or rarely shop there, you won’t be able to make the most of this card’s rewards.

Read our Costco Anywhere Visa® Business Card by Citi review or jump back to this card’s offer details.

American Express® Business Gold Card: Best for no expiration on points

Why we picked it: Business owners get a generous return on their spend without having to worry about their points expiring. Plus, there are no blackout dates and no limit on the amount of points you can earn.

Pros: Cardholders receive a 25% bonus on points redeemed for eligible flight purchases through the American Express Travel portal, capped at 250,000 points back per calendar year. Plus, new cardholders can receive 70,000 points after spending $10,000 on eligible purchases within the first three months of card membership. The card also offers a certain level of convenience, given it automatically determines your top two monthly spending categories eligible for 4X points (capped at $150,000 in combined purchases per year; 1X after that).

Cons: Unless you plan to transfer points to airlines, you may be underwhelmed by the redemption options.

Who should apply? American Express’ Business Gold Card offers a bevy of benefits to business owners who currently spend enough to take advantage of its lucrative welcome offer and net a return on the $295 annual fee (not waived the first year).

Who should skip? If your business doesn’t do much traveling, another rewards program may offer more value.

Related: How I use my Amex Business Gold

Read our American Express® Business Gold Card review or jump back to this card’s offer details.

The Hilton Honors American Express Business Card: Best for Hilton loyalists

Why we picked it: The welcome bonus is generous at up to 180,000 Hilton Honors bonus points. Earn 130,000 bonus points after a $2,000 spend in eligible purchases in the first three months of card membership, plus earn an additional 50,000 bonus points after you spend a total of $10,000 in purchases in the first six months. This can add up to some free hotel nights if you are strategic in your Hilton Honors redemptions.

Pros: Although there’s a $95 annual fee (not waived the first year), the ongoing rewards on this co-branded credit card are pretty awesome – and the generous welcome offer certainly provides an added incentive. Cardholders receive Hilton Honors Gold Status, which entitles them to additional perks, including an 80% bonus on all base points, select room upgrades and a fifth night free on every rewards stay of five consecutive nights or more. They also get a free weekend night each year they spend $15,000 and a second free weekend night when they spend a total of $60,000 in the same calendar year.

Cons: There’s not much value in other redemption options beyond hotel stays.

Who should apply? Business owners who travel a lot or frequent Hilton hotels will generally find themselves well-served by this credit card.

Who should skip? If you don’t travel often and rarely stay at Hiltons, this card will be of little value.

Read The Hilton Honors American Express Business Card review or jump back to this card’s offer details.

Delta SkyMiles® Gold Business American Express Card: Best for hotel and flights redemption

Why we picked it: Cardholders can use miles for airfare, car rentals, hotels, merchandise and more. The miles don’t expire and there are no blackout dates.

Pros: Frequent Delta fliers can quickly rack up miles thanks to a number of perks, including a competitive base rewards program and lucrative welcome offer. And after you spend $10,000 in a calendar year, you’ll earn a $100 Delta flight credit for future travel. Cardholders also enjoy other Delta benefits, including a free checked bag and priority boarding. There’s a $0 introductory annual fee for the first year, then $99.

Cons: When redeeming miles, watch out for steep fuel surcharges.

Who should apply? Delta loyalists will enjoy these card perks.

Who should skip? Non-travelers may want to explore more general-purpose rewards business cards, while non-Delta fliers might want to look into flat-rate travel rewards credit cards.

Read our Delta SkyMiles® Gold Business American Express Card review or jump back to this card’s offer details.

What are business credit cards?

Business credit cards are very similar to personal cards, just tailored to meet the needs of small-business owners. You’ll need to operate some type of business in order to qualify, though it doesn’t have to be a formal business. Gig workers and freelancers can be eligible, too. Here’s what you need to know about business credit cards:

• Nearly all business credit cards require you to sign a personal guarantee before you’re approved. A personal guarantee states that the cardholder agrees to be responsible for the debt, meaning unpaid business debt will hurt your personal credit.
• The credit limits are usually higher on business credit cards than on personal credit cards.
• The protections that apply to consumer cards, like those that prevent excessive fees and interest rate hikes, do not apply to business credit cards. However, business credit cards will often offer similar protections as a courtesy.
• Rewards and benefits are usually designed to meet the needs of small businesses. You can find discounts and rewards on utility services, shipping and other common business expenses.
• The way you use a business credit card can affect both your credit and your business’s credit.

How do business credit cards work?

Just as a personal credit card extends a line of credit to the individual, a business credit card provides businesses with a line of credit. A business may use its credit card to pay only for expenses associated with running the business.

Having a business credit card allows a business to free up its cash flow while purchasing necessities via credit. The best business credit cards are also designed to include special features that specifically benefit businesses, such as organized expense tracking tools and spending controls, along with discounts on internet and other services needed to run a business. For the business traveler, these cards offer a slew of high-end perks from airport lounge access to upgrades. In terms of accounting, it’s advantageous to have these expenses under one business credit card account.

Types of business credit cards

To determine the ideal business credit card for you, you’ll need to compare credit cards to see which one provides the most value to you and your business. Here’s a breakdown of different types of cards and how they might fit your financial needs and business objectives:

Cash back cards

Similar to personal cards, cash back business cards are a popular choice for business owners looking for simple ways to put money back in their pockets and maintain cash flow. Some cash back cards offer a straightforward flat rate on all your business expenditures while others have tiered rewards in different bonus categories that may be more useful if they align with your spending.

Who should get one: Anyone who runs a small business, even if it’s just a side hustle, can benefit from an unfussy cash back card. Businesses with a tendency to spend big will find a lot of value in a cash back card with flexible spending limits and big bonus opportunities.

Travel rewards cards

If your business requires frequent travel, a business travel credit card is a great way to not only offset travel expenses but also take advantage of perks like lounge access and travel insurance. You can often increase the value of the points you earn on these cards even more by redeeming them through issuer membership programs.

Who should get one: Business people who frequently travel can rack up valuable rewards to put towards future trips and take the sting out of business travel by making use of premium perks and cardmember discounts.

Balance transfer cards

If your business has taken on high-interest debts in the past, transferring the balance to a business credit card with a lower APR can help you manage and consolidate debt more quickly and save money on incurred interest.

Who should get one: If your business is weighed down by existing credit card debt and high interest rates, a balance transfer can remedy the situation provided the debt is paid down before the favorable introductory terms expire.

Charge cards

While they work in largely the same ways as credit cards, business charge cards differ in that they have no existing spending limit. Instead, purchases are approved based on a number of factors in your financial history, and you must pay the balance in full each month.

Who should get one: Charge cards may be a good option if you have large purchases planned, but it’s important to make sure your business has the cash flow necessary to cover any month-to-month charges you make.

Pros and cons of business credit cards

While business credit cards can be an excellent tool for managing your business’s cash flow, earning rewards and staying organized, they aren’t for every situation. Like most types of credit cards, each offering has benefits and drawbacks that you’ll need to weigh before applying.

How to choose a business credit card

How to apply for a small business credit card

A common misconception about business credit cards is that you have to have a formal business structure to get one. This isn’t true. Side jobs, sole proprietorships, freelance work and plenty of other money-making gigs qualify as businesses when it comes to credit card applications.

Before you hit “submit” on the application, make sure you’ve gone through these steps that will help maximize your odds of approval and secure the best card for your business.

1. Check your credit score. Most business credit cards require good or excellent credit. If your credit needs some work, it’s a good idea to improve your credit score before applying. If you’ve already established business credit through a loan or other credit line, you should also check your business credit score as well, since issuers may also look at that.
2. Compare business credit cards. With so many offers on the market, choosing a business credit card can be overwhelming. Consider rewards type, interest rates, fees and your business’s spending habits.
3. Find out if you prequalify with our CardMatch tool. Using a soft inquiry that won’t affect your credit score, CardMatch can show you which credit cards you’re likely to be approved for in under 60 seconds. Plus, you may also get access to special offers, like a boosted welcome bonus.
4. Complete your application. Once you’ve decided on a credit card, apply online with any major issuer. Those with less formal business structures can use their personal information, such as address and phone number. It varies from application to application, but here are some common required fields on business credit card applications.

How to make the most out of a small business card

• Secure a sign-up bonus. Business credit cards frequently tout sign-up bonuses worth $500 or more. Sign-up bonuses reward you for spending a certain amount with your card in a set time period, usually three months. The trick is to identify a sign-up bonus within your natural spending limits. You’ll want to avoid spending more than you can ultimately pay off in full, lest you lose those extra points to interest.
• Know your financing options.Cash flow management is an important issue for most small businesses. As such, issuers often offer promotional financing or business-friendly payment terms, such as an extended payment option, which lets business owners finance large purchases over a period of time with different terms than those used for routine purchases. Know the full suite of options you have to take advantage of.
• Make on-time payments. Aim to pay balances off in full each month or by the time an introductory APR expires. That way, you won’t lose any of your rewards to interest. At the very least, be sure to make all monthly payments on-time. Set up auto-pay or request alerts to minimize the odds of missing a due date. Missed payments will negatively impact your credit scores and tack on additional fees.
• Use your ancillary benefits & features. You may get more than rewards and flexible financing with your business credit card. Some issuers offer access to expense-management tools, purchase protection, extended warranties or certain travel insurance. You may also be able to do things like set custom limits for any authorized users added to the account. Read your credit card’s terms and conditions to get a full scope of its benefits.
• Deduct your interest & fees. You can generally deduct a portion of the interest and fees you pay on business expenses on your annual tax returns. (Note: This only applies to interest on business-related charges. If you use your business credit card for personal expenses, too, those charges aren’t eligible for a tax deduction.) Learn more in our tax season guide to small business expense deductions.
• Avoid charging personal expenses. That’ll make it much easier to complete your taxes each year and regularly reconcile your books, especially since some issuers provide a breakdown of the categories you’re spending on.

How we picked the best business credit cards

Research methodology: We analyzed 368 business credit cards to identify the best offers currently on the market. The major factors we considered include:

• Rewards program: Ideally, a business credit card should reward you for the purchases your business makes frequently, whether that’s travel, office supplies or another category. We looked at whether a card offered a competitive rate of return in these spending categories as part of its base rewards program.
• Introductory bonus: In addition to solid base rewards, we considered whether the card offered bonus points, miles or cash back in exchange for a reasonable spend within the first few months of opening the account.
• Flexible financing offers: Many business owners use credit cards to finance large purchases, so we considered whether a specific card offered zero interest introductory APRs on purchases and/or balance transfers. We also considered whether the card had other financing features, like a flexible credit limit.
• Overall value: Some business credit cards do carry annual fees, so we considered whether that fee was justified by the rewards program, introductory bonus and/or ancillary benefits.

Other criteria include redemption options and flexibility, customer service, small business perks, and other rates or fees. Our business credit card reviews can help you compare offers to find the one that best suits your needs.

More information on business credit cards

For more information on all things business cards, continue reading content from our credit card experts:

• How to build business credit
• Reasons to get a business credit card
• Best credit cards for startups
• Best 0% intro APR business credit cards
• Business credit card advice

About the Author

Jeanine Skowronski

Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.

About the Editor

Tracy Stewart

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

About the Reviewer

Erica Sandberg

Erica Sandberg is a prominent personal finance authority and author of "Expecting Money: The Essential Financial Plan for New and Growing Families." Her articles and insights are featured in such publications as The Wall Street Journal, Pregnancy, Babytalk, Redbook, Bank Investment Consultant, Prosper.com, MSN Money and Dow Jones MarketWatch. An active television and radio commentator, Sandberg is the credit and money management expert for San Francisco’s KRON-TV, a frequent guest on Forbes Video Network, Fox Business News, Bloomberg TV and all Bay Area networks. Prior to launching her own reporting and consulting business, she was affiliated with Consumer Credit Counseling Services of San Francisco where she counseled individuals, conducted educational workshops and led the media relations department. Sandberg is a member of the Society of American Business Editors and Writers and on the advisory committee for Project Money.