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Your Business Credit

How to choose a business credit card for everyday expenses

Your ideal card offers the best possible rewards for the purchases you currently make most often in your business – or plan to make

Summary

Which business credit card should you use for your everyday expenses? Ideally, that card will come with no annual fee and an attractive interest rate. Beyond that, you’ll want the best possible rewards for the purchases you make most often. Here are some great options.

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One of the smartest steps you can take in organizing your business finances is using a credit card for everyday expenses.

Keeping all of your expenses on one business credit card can make it much easier for you and your bookkeeper to track them and help you to rack up points more quickly than if you spread them out on multiple cards.

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What to consider before choosing a card

So which card should you use for your everyday expenses? Ideally, that card will come with no annual fee and an attractive interest rate.

Beyond that, you’ll want to look for a card that offers the best possible rewards for the purchases you currently make most often in the business – or plan to make. For instance, if you buy a lot of office supplies, you’ll want to find a card that heavily rewards those purchases. If you expect to replace the computers for your team, you may want to look for a card that rewards electronics purchases. And so on.

Before you choose your card, ask yourself: How much do we spend on supplies, utilities, equipment, gas, dining, etc.? Given that 2020 was a bit of an anomaly in terms of business spending, looking back at your books for 2019 can give you a general sense of what you’ve spent under non-pandemic conditions.

Also consider who will be on the credit card account. Will it be just you, the owner, or a few employees? If you need to get cards for your team, take a look at what kind of tracking and oversight each card offers, as well as the cost of offering additional cards. Ultimately, you will be on the hook for any purchases your employees make on the cards.

See related: Expenses you should never charge on a business credit card

Best business cards for everyday expenses

Here are three business cards that offer attractive features as everyday cards.

Blue Business® Plus Credit Card from American Express

With no annual fee, Amex’s Blue Business Plus card offers 2X Membership Rewards points on everyday purchases such as office supplies or client dinners, for up to $50,000 in purchases the first year (1X points thereafter). The variable regular APR is 13.24% to 19.24%.

Ink Business Cash® Credit Card

With the Ink Business Cash card, you can get 5% cash back on the first $25,000 you spend in combined purchases at office supply stores and on internet, cable and phone services each year. You can also get 2% back on the first $25,000 spent on combined purchases at gas stations and restaurants each year – as well as 1% back on all other card purchases. There is no annual fee and the variable regular APR is 13.24% to 19.24%.

Capital One Spark Cash Select for Business

The Capital One Spark Cash Select card offers 1.5% in cash back on every purchase with a one-time $200 bonus if you spend $3,000 on purchases within the first three months from opening the account. The variable regular APR is 13.99% to 23.99%.

Bottom line

Using a business credit card for everyday expenses is a great way to keep your finances organized. By choosing the right one for your business, you’ll be able to get more out of every purchase in terms of rewards or cash back.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Credit Card Rate Report
Business
14.22%
Airline
15.53%
Cash Back
16.03%
Reward
15.84%
Student
15.98%

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