The Top 2 Business Cards

To keep it short and simple, we've done an investigation to find the 2 best business cards available. We closely examined the fine print to find that many of the cards available to you have complicated bonus structures and claims for 5% bonuses or travel rewards that are not what they appear to be. The top 2 cards that we found have no annual fees and can actually make a big difference in your bottom line.

Be sure that you do not confuse these 2 business credit cards with the other ones offered by Chase and American Express! The payout structures are terrible and the DO NOT actually pay out 5% as they claim!

Why We Selected These

The AMEX 5% Simply Cash for Business Card has some great perks for business travelers in addition to the unlimited cash bonus in several categories. The Chase 3% Cash Back for Business Card offers a significant rebate in a few additional categories that you cannot get from the American Express Card. We've clearly laid out their payment structures as well as what you need to look out for when selecting a business credit card in the reviews below. These cards are also work great in combination since they offer rebates on different business expenses.

Well What About Airline Cards?

As is explained in our consumer credit card review, cash back is much better than frequent flier miles. Frequent flier cards will give you only 1 or 2 points per dollar spent and certain airline companies will give your frequent flier miles regardless of your payment method. 2 points is generally equivalent to 2% and considering that you can get 3-5% back from the cards below, cash back is simply a better deal.

Some airline cards require you to accumulate as much as 35,000 points to get one airline ticket! For the same amount of spending required for that ticket, you could buy 3 or 4 domestic airline tickets with cash back rewards.

AMEX will also provide you with some major discounts through their business partners including Courtyard by Mariott, FedEx, and Hertz. You will also pay no annual fee for either of these cards as of the time this article was written.

The Bottom Line

Just to recap you can get 3-5% cash back with these cards, discounts on major business expenses, and you will still get your frequent flier miles anyways. There's really no downside to these offers. Cash back is better for your business and better for your bottom line!

Please note that Chase does offer another business credit card touting 5% cash back, but it's a shady deal!! The 5% only applies to purchases between $2,000 and up to $2,500 each month. The Chase Business Rebate Card featured here will pay you 3% cash back and allows you to earn 4,000 points per billing cycle (about $1300 in spending) on featured business expenditures including restaurants, gas stations, office supply, building supply, and hardware/home improvement stores.

This card also has no annual fee and you'll still get 1% on everything else or if you exceed 4,000 points in the featured categories. After exhausting ourselves reading the fine print, this is certainly one of the best deal we've come across! In combination with the card below this offer can't be beat!

Simply Cash for Business gives you no annual fee, the option to carry a balance, and 5% cash back from gas, office supply stores, and wireless services. You will also receive additional saving from American Express partners such as FedEx, Gateway, Marriott, and Hertz through their "open savings program."

Be aware that American Express features another card entitled Blue Cash for Business that claims to give you 5% cash back as well, but it has a complicated bonus structure and only pays 5% cash back at select merchants for spending between $7,500-15,000. The most that you can earn outside of their program partners is 2.5% and that's only between the previous mentioned amount!

Bottom line: Stick with Simply Cash for Business. Unlike other credit card offers, this card has no limit to the amount of cash rewards you can earn and will actually give you the 5% cash back without any monkey business. Just think about how this card could increase your bottom line and reduce your overall operating costs!