The Best Business Credit Cards in 2018

As with my list of the top private travel rewards cards, I'm compiling the business picks based on what signup bonuses would be the most precious. The table below demonstrates the numerous aspects that went in my calculations. As you can see, the bulk of the value comes from your signup bonus itself -- I utilized my newest valuations to calculate a dollar amount for each offer.

From there, I factored in yearly travel credits, such as the $200 air travel credit given by the Business Platinum Card from American Express OPEN. As the Amex Business Platinum also offers Centurion Lounge access plus Delta Sky Club accessibility when you're flying Delta, I assigned a value of $250 for these perks. Furthermore, if a card waives its annual fee for your first year, I didn't subtract that from the value of the sign-up bonus along with other perks, since this post is focused on how much you'll receive from the card as a new applicant.

Also, some of those cards provide tiered signup bonuses. For these cards, I concentrated on the value you would get by fulfilling with the lowest paying requirement. For instance, the company Platinum Card signup offer comes with an exceptionally high minimum spending requirement of $10,000 in the first three months -- and that is just the first season; to make the full 75,000-point bonus, you are going to need to invest $20,000 from the first three months.

Before diving to the list, make certain to check out these articles for advice on just how applying for new cards impacts your credit rating, what to learn about credit scores, mistakes to avoid and more. Keep in mind that applying for numerous cards and using them sensibly can actually boost your credit score in the long term, but you definitely need to know what you're doing before simply enrolling in every appealing offer that comes your way.

Here’s the best small business credit cards for 2018:

• Best for Overall Points Value: Chase Ink Business Preferred Credit Card
• Best Airfare Card: The Business Platinum Card from American Express OPEN
• Best Small Business Card: Business Gold Rewards Card from American Express OPEN
• Best for 2X Miles: CitiBusiness AAdvantage Platinum Select World Mastercard
• Best for Bonus Anniversary Points: Southwest Rapid Rewards Premier Business Credit Card
• Best Sign-up Bonus Card: United MileagePlus Explorer Business Card
• Best Airline Partner Variety: Starwood Preferred Guest Business Credit Card from American Express
• Best for Non-standard Travel Expenses: Capital One Spark Miles for Business
• Best for Flat-Rate Cash Back: Capital One Spark Cash for Business
• Best Delta Card: Gold Delta SkyMiles Business Credit Card from American Express
• Best for Elevated Cash Back Rates: Chase Ink Business Cash Credit Card
• Best for Annual Companion Certificate: Platinum Delta SkyMiles Business Credit Card from American Express

In case you've got a small business or even if you just do some freelancing gigs, a business credit card can help you optimize your buys, separate your expenditures and help you save money on interest each year. Company credit cards offer bonus rewards on categories such as office supplies, airfare, gas and advertising.