Core Insights - Business credit cards serve as effective financial tools for companies, enabling them to finance purchases, earn rewards, build credit, and manage cash flow [1][19] - Approval for business credit cards is often linked to personal credit scores, with better features typically reserved for those with higher credit ratings [1][3] Business Credit Card Overview - A business credit card functions similarly to a personal credit card, allowing for purchases and service payments, but often includes tailored perks for business owners [2] - Keeping business expenses separate from personal expenses simplifies tax reporting [2] Eligibility and Application - Business credit cards are accessible to various business sizes, including solo entrepreneurs and startups, and even individuals with side gigs can qualify [4][6] - An Employer Identification Number (EIN) is not mandatory; many entrepreneurs use their Social Security Number (SSN) for applications [5] - New business owners can apply for a business credit card before generating revenue, aiding in the management of startup costs [6] Comparison of Business Credit Card Options - A variety of business credit card options exist, catering to different budgets and spending patterns [7] - The Ink Business Unlimited® Credit Card offers unlimited 1.5% cash back with no annual fee and a 0% intro APR for 12 months [8] - The Capital One Spark Cash Plus is a charge card with no spending limit, an annual fee of $150, refundable with $150,000 in annual spending [9] - The Ink Business Preferred® Credit Card earns 3x points on specific business expenses, with a $95 annual fee [11] - The Capital One Venture X Business Card provides premium travel benefits with a $395 annual fee, including access to airport lounges and travel credits [12][13] - The Delta SkyMiles® Gold Business Card offers travel benefits for frequent flyers, with a $0 intro annual fee for the first year [14][15] - The IHG One Rewards Premier Business Credit Card allows for earning hotel points with a $99 annual fee [16] Application Information Requirements - Applications typically require personal information, including name, date of birth, SSN, and home address [17][21] - Business-related information is also necessary, such as business name, structure, revenue, and estimated monthly spend [21]

Core Points - The IHG One Rewards Premier Business Credit Card offers significant benefits for business owners, including elite status, free nights, and high rewards rates on spending [1][25][26] Summary by Category Card Features - The card has an annual fee of $99 and offers a welcome bonus of up to 200,000 points, with 140,000 points earned after spending $4,000 in the first 3 months and an additional 60,000 points after spending $9,000 in the first 6 months [3][6] - Cardholders can earn up to 26x points per dollar spent at IHG Hotels & Resorts, 5x points on travel, gas stations, select advertising, and restaurants, and 3x points on all other purchases [4][9] Rewards and Benefits - Cardholders receive an Anniversary Free Night at IHG Hotels & Resorts and a fourth night free on award stays when redeeming points for four consecutive nights [4][18] - Automatic Platinum Elite status is granted to cardholders, providing a 60% bonus on paid stays and other perks [19] - A reimbursement of up to $120 for Global Entry, TSA PreCheck, or NEXUS application fees is available every four years [20] Earning Points - Points can be earned through various means, including a welcome bonus, points on purchases, an annual spending bonus, and referrals [5][11] - An annual spending bonus of $100 and 10,000 bonus points is awarded for spending at least $20,000 in a calendar year [10] Redemption Options - Points can be redeemed for free hotel nights, experiences, and exclusive events, with the highest value typically found in hotel stays [12][14] - Other redemption options include online shopping and transfers to airline miles, though these may offer lower value [13] Additional Features - The card includes travel and purchase protections, such as trip cancellation insurance and purchase protection for eligible purchases [21] - There are no foreign transaction fees, making it suitable for international business travel [23]

The Marriott Bonvoy Bevy® American Express® Card offers a solid welcome bonus and decent rewards, but even if you frequently stay at Marriott hotels, it can be challenging to get enough value to make the card's annual fee worthwhile. Learn more Marriott Bonvoy Bevy® American Express® Card 費率及收費, 受條款約束Annual fee $250 Welcome offer Earn 85,000 Marriott Bonvoy® bonus points after you spend $5,000 in the first 6 months Card type(s) Travel, Hotel Ongoing Purchases APR 19.74%-28.74% Variable Recommended credit ...