Best Business Credit Cards

[Yj002]

There are lots of posts about Chase Business Credit Card here in the forum. What type of business credit card do you have and love? Does anyone have the Amex Business Plum Card? 

[grillandwinemaster]

I don't Have a business credit card. When I'm ready to apply I'm looking at  Cap 1 Spark, or Chase Ink. I wasnt aware of the Amex Plum. You don't hear much about it. I'm also interested in seeing some replies. 

[CreditUnionFan]

If you have your sights set on the Chase Ink cards, there's the 5/24 rule to be aware of - that if you have five or more new credit cards within 24 months, the application will be denied on those grounds.

There are forum members that have the Ink Plus, Ink Cash, Amex Simply Cash, Amex Simply Cash Plus, and other business cards. Some credit unions also offer credit cards to business owners. The magic of the Amex Plum is that there's an early pay discount. 

[SouthJamaica]

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@Yj002 wrote:

There are lots of posts about Chase Business Credit Card here in the forum. What type of business credit card do you have and love? Does anyone have the Amex Business Plum Card? 

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I have the Capital One Spark, the American Express Simply Cash, and the American Express Business Platinum Card.

The Capital One Spark is my favorite so far.

[grillandwinemaster]

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@SouthJamaica wrote:

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@Yj002 wrote:

There are lots of posts about Chase Business Credit Card here in the forum. What type of business credit card do you have and love? Does anyone have the Amex Business Plum Card? 

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I have the Capital One Spark, the American Express Simply Cash, and the American Express Business Platinum Card.

The Capital One Spark is my favorite so far.

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Why is Cap 1 Spark your favorite? That's the one I'm leaning towards getting, so I appreciate your input. 

Thanks SJ!

[twanswife916]

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@grillandwinemaster wrote:

I don't Have a business credit card. When I'm ready to apply I'm looking at  Cap 1 Spark, or Chase Ink. I wasnt aware of the Amex Plum. You don't hear much about it. I'm also interested in seeing some replies. 

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Im considering Cap1 Spark since i already have their student card. The only thing thats stopping me is the fact they require PG. I had planned on app for the QuickSilverOne for personal use but I dont know if I app for one will they deny me for the other since they claim you can only app every 6 months.

[Uncle_Money]

I have 2 American Express Plum cards (2 different companies), 1 Business Platinum card and I just recently got the SimplyCash Plus card.

Plum Card - My company requires a need for a real card with real buying power, not some low limit credit card with a ridiculous APR. And this card allows us the major buying power we need (high six figures per year and our internal limit is set at over $100K) in addition to the 1.5% early pay discount and deferred payment option. Awesome card!

Platinum Card - Love the concierge and use it all the time! Again, a card that also provides real buying power that increases over time.

SimplyCash Plus - Decent rewards program and expanded buying power. This card is bascially meant for you to go over your set revolving credit line. My limit is $10,000 but I can easily charge over $20,000 without a problem. Another great card!

These are my favorites. Hope this helps.

UM

[driftless]

Uncle,

I am not familar with Amex's Simply Cash card but looking at Amex's site it looks like it would be a strong contender if you are considering a Spark card.  I assume that it does not report as personal like the Spark card does?

Driftless

[driftless]

Found my answer: it does not.

[Anonymous]

I have the Capital One Spark card. It's a great card that gives you 2% cash back on all your purchases. I defnintely recommend it!