5 Business Credit Cards for Excellent Credit

5 Business Credit Cards for Excellent Credit

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When your credit is less than perfect, you have to choose a credit card based on what you can be approved for. But when you have stellar credit, you can enjoy your choice of small business credit cards for excellent credit that offer the most competitive terms, rewards and benefits.

With excellent credit, choosing the right small business card for you will depend on how you plan on using it. If you are a frequent traveler, then you can apply for a premium travel rewards credit card that will offer you perks such as priority service and complimentary access to airport business lounges. But if you don’t travel much, then you might want a cash back rewards card that offers the most competitive rate of return.

The Best Business Credit Cards for Excellent Credit

Here are five small business credit cards that are ideal for those with excellent credit:

  1. The Business Platinum® Card from American Express
  2. Capital One® Spark® Cash for Business
  3. Delta Reserve for Business Credit Card
  4. United MileagePlus Business Club Card from Chase
  5. Ink Business Preferred℠ Credit Card

1. The Business Platinum® Card from American Express

The Business Platinum® Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 Learn More

When you have excellent credit, then you can consider this premium rewards card, which is actually a charge card. This means that you are required to pay off your entire statement balance each month, although American Express does offer a pay over time feature that makes it more like a credit card.

Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Cardholder benefits include access to over 1,000 airport lounges that are part of the Delta SkyClub, Priority Pass Select and American Express Centurion networks. It also includes a $200 annual airline fee credit, a $100 credit toward the Global Entry application fee, and a 35% rebate on points redeemed towards eligible first and business class tickets purchased through American Express Travel. There’s a $450 annual fee for this card, and no foreign transaction fees.

2. Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Earning unlimited 2% cash back could mean thousands of dollars each year going back into your Learn More

If you have excellent credit and you are looking for a business credit card with the most competitive rate of cash back, then you should consider the Capital One® Spark® Cash for Business. It offers unlimited 2% Cash Back on every purchase, every day. cash back on all purchases. It also features a sign-up bonus of Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.. This card has a $0 intro for first year; $95 after that annual fee, and no foreign transaction fees.

3. Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card
American Express is a Nav Partner
Terms, Rates & Fees

Delta Reserve for Business Credit Card

Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases with your Learn More

If you are a frequent Delta traveler and you have excellent credit, then this card is a great option. Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases with your new Card in your first 3 months. The bonus miles can be used for award flights while the Medallion Qualification Miles help you reach the next tier of elite status in Delta’s SkyMiles program. 

Benefits include complimentary access to the Delta SkyClub airport business lounges for yourself, and a discounted rate for up to two guests. You also receive a companion certificate each year when you renew your card that’s valid for a economy or first-class companion ticket for just the cost of the government taxes and fees. When traveling on Delta, you also receive a free checked bag, priority boarding and a 20% savings on in-flight food, beverages and entertainment.

  • Annual Fee:$450
  • Foreign Transaction Fees: None

4. United MileagePlus Business Club Card from Chase 

Frequent flyers with United Airlines can benefit tremendously from this premium rewards card. It offers unlimited access to the United Club airport lounges, as well as your first and second checked bags for free. It also grants you Premier Access travel services which includes priority check-in, security screening (where available), boarding and baggage handling privileges.

With this card, you earn 1.5 miles per dollar spent on all purchases, and double miles on United purchases. New accounts also receive a $100 statement credit after their first purchase. Other benefits include World of Hyatt Discoverist status and Hertz President’s Circle Elite status.There’s a $450 annual fee for this card, and no foreign transaction fees.

5. Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Learn More

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.. This card also offers you 3x points on your first $150,000 spent each year on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. You also get one point per dollar spent elsewhere.

Points are worth 1.25 cents each towards travel booked through the Chase Ultimate Rewards Travel site, or they can be transferred to airline miles or hotel points with travel partners. There’s a $95annual fee for this card, and no foreign transaction fees.

Business Credit Cards—Marketplace

Having emergency cash on hand can be your key to managing cash flow.
Fortunately, business credit cards can help—Browse business credit cards to find the right card and qualify in minutes!

Related to business credit cards for excellent credit:

7 Perks You Can Only Get With a Business Credit Card

Best Business Credit Cards of 2018

How to Get a High-Limit Business Credit Card

 

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About the Author — Jason Steele is an expert in the credit card industry. He is frequently quoted in national media and his work is regularly featured by mainstream outlets such as Yahoo! Finance, MSN Money, and Business Insider.

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