Best Commercial Credit Card – 5 Best Commercial Credit Cards for Businesses

There are lots of commercial credit cards going around today, but the question is, do you know the best commercial credit card? In an industry that is very competitive, that is a tough question.

Best Commercial Credit Card

But in this post, we are going to be reviewing some of the best and at the end of the day, you get to choose the one that’s best for you and your business.

Best Commercial Credit Card

Before we go into the business of today of revealing what the best commercial credit card is, here is a quick question for you; do you know what a commercial credit card is? For the benefit of those that know nothing about it, here is what a commercial credit card is.

A commercial credit card is a credit card that is issued by employers of a company for their employees to make use of in making necessary purchases on behalf of their company. Commercial credit cards are very helpful in making various businesses manage their expenses. And this is done by collecting all the charges made by employees in one single place.

5 Best Commercial Credit Cards for Businesses

Just as mentioned already in this post, there are lots of commercial credit cards going on in the rounds today. And of all these cards, they are all different from one another in neither one way nor the other. And in a bit, I will be making a list of the 5 best commercial credit cards for businesses. And they are;

The Blue Business Plus Credit Card from American Express

The Blue Business Plus card is a rare example of a no-annual-fee way to game your rewards earnings. You’ll earn 2X points on all purchases up to $50,000 per year. It’s a perfect fit if your business is small enough to spend less than $50,000 per year.

If not, spend up to the $50,000 max, then switch to another card for the rest of the year’s purchases. You’ll win either way. This card has a welcome bonus of 15,000 points and it charges no annual fee.

The card offers a wide variety of airline transfer partners and as stated already it has no annual fee charge. It has rewards on the first $50,000 in yearly spending. The downside of it though is that it charges a 2.7% foreign transaction fee and its 2 points dollar rewards rate falls to a point per dollar after $50,000 in yearly spending.

World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card marries a continuous profit structure with the capacity to utilize card spending as an additional lift toward procuring status with the chain. This card has a 75,000 bonus points welcome bonus and an annual fee of $199.

Some of the pros of using this card are that it has a welcome bonus and solid earning rates and it also has an automatic discoveries status. The downsides of this card are that it charges an annual fee for its services. It also has a low earning rate for non-bonuses spending and base-level status with card offers limited benefits.

United Club Business Card

The card is made for business owners and directors who fly vigorously on United and live for extravagance advantages. The $450 yearly charge is offset by the free United Club relax enrollment (worth $550/year), so the other advantages are basically free.

You’ll procure a clever 1.5 miles-per-dollar on all buys (2-1 on United), unbounded or spending classifications.  The united club business card has a 75,000 miles welcome bonus and an annual fee of $450.

Some of the pros of using this card include;

  • Free membership to the united club.
  • Luxury traveling benefits inclusive of premier access.
  • A visa signature concierge.
  • And free employee cards.

The cons of this card include;

  • There are no paths to elite status.
  • There are restrictions to seats on saver award flights.
  • A $75 fee in booking within 21 days of departure.
  • Lastly, high fees on award change.

That’s it.

Ink Business Unlimited Credit Card

With this card, you get to earn a $750 bonus cash back with a $0 annual fee. If you are a busy business owner, you will find this card very generous in the sense that its simple flat-rate rewards program does not require time to manage and also optimize.

The card has an unlimited 1.5 cash back reward on all purchases. There is no annual fee charged for this card and it also has a very generous welcome bonus. It offers a 0% intro APR on various purchases for one year. Cash backs are awarded as ultimate rewards, which can be combined with premium chase credit card accounts for better options in terms of redeeming rewards.

The downsides of this card are that it offers or charges high foreign transaction fees and it is also not a good card for balance transfers.

Chase Ink Business Premier

This card is the best in terms of flat-rate cash back business cards. The card offers a $1000 cashback welcome bonus and an annual fee of $195. Some of the pros of using this card include;

  • A strong welcome offer.
  • It has 5% cashback on travel purchased via the chase ultimate rewards, a 2.5% cashback on every purchase in the amount of $5,000 or more, and a 2% cash back on every other type of purchase.
  • There is no annual fee for employee cards.
  • It offers several purchase and travel protections.

The downsides of it however include;

  • A high annual fee.
  • It is designed to be paid in full every month.
  • Points also cannot be transferred to hotel or airline programs.

And lastly, points can also not be transferred to other ultimate rewards-earning cards.


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