Best Business Credit Cards for Holiday Spending

If you’re a business owner gearing up for end-of-year festivities, now might be a smart time to pick up a business credit card. With a business card that offers rewards, you can earn cash-back, travel rewards, or special incentives for all of your year-end gifts. Not only that, but there are all kinds of long-term incentives that could convince you to keep your new card for the long haul.

Before you spend hundreds – or even thousands – of dollars on holiday gifts for your employees or vendors, it can pay off to spend some time figuring out the best business credit card for your needs. Here are some options to consider along with their pros and cons for the holiday season and beyond:

The information related to The Ink Business Preferred® credit card has been collected by CreditSoup.com and has not been reviewed or provided by the issuer of this card.

#1: Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers one of the best incentives to sign up and use it for employee gift-giving. Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠. You’ll also earn 3x points on bonus categories that include travel, shipping purchases, internet, cable, and phone, and advertising made with select social media, and 1x points on all other purchases.

This offer can be advantageous no matter your rewards goals – and for more reason than one. Since this is a premier travel credit card, you can use your points to book travel through the Chase Ultimate Rewards® travel portal or transfer them to popular transfer partners like World of Hyatt®, Marriott Bonvoy™, IHG® Rewards Club, British Airways Executive Club, Southwest Airlines Rapid Rewards®, or United MileagePlus®.

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.
• Round-the-clock monitoring for unusual credit card purchases.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open.
• Points are worth 25% more when you redeem for travel through Chase Travel℠.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

#2: Capital One Spark Cash for Business

The Capital One Spark Cash for Business offers a very simple earning structure and rewards program that can benefit any business owner hoping to earn cash back for their end-of-year spending. This card offers a flat 2% cash-back on every dollar you spend. Once you rack up enough points, you can redeem them for a statement credit at a rate of one cent per point.

This card also doles out a generous $500 in cash back after you use your card for $4,500 in purchases within the first 3 months of account opening. Best of all, it comes with an annual fee of only $95, but the fee is waived the first year.

• Pros: It’s hard to beat 2% cash-back for every dollar you spend, and redeeming your points for statement credits makes the entire process easy.
• Cons: While you can redeem your points to cover travel expenses, this card doesn’t let you transfer points to popular airline and hotel loyalty programs.
• Best For: This card is ideal for business owners who want to earn simple cash back without the hassle or stress of figuring out a complicated rewards program.

*Information for this card not reviewed by or provided by Capital One

#3: Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is another business card that comes with long-term perks for the average business owner. With this card you can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Once you sign up, you’ll earn 5 percent cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2 percent cash back on the first $25,00 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases with no limit to the amount you can earn.

The fact you can redeem these points for statement credits makes this card an easy option for business owners who want to earn simple rewards. Keep in mind, however, that you can also cash in your points for travel, gift cards, or merchandise. The best part is this card never charges an annual fee so you can keep it for the long haul.

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases.
• Member FDIC

#4: The American Express Blue Business Cash™ Card

The The American Express Blue Business Cash™ Card is yet another business card that could bring a bounty of rewards for any business owner who signs up in time for their end-of-year holiday spending spree. Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus, take control by choosing the 2% category that best fits your business.

In terms of rewards on your regular business spending, you’ll earn 2% cash back on the first $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors. No Annual Fee and Terms Apply.

While having so many options is already a bonus, this card is especially beneficial for business owners because it doesn’t charge an annual fee.

• Pros: This card is fee-free, but it also lets you tailor your rewards to the unique spending patterns of your business.
• Cons: You can only redeem your points for statement credits.
• Best For: This card is ideal for any business who spends a lot in the included bonus categories but doesn’t want to pay an annual fee.