Business credit cards

[David Lewis]

I'm on the hunt for a couple of new business credit cards.  Are there any that y'all recommend, or that have good perks? Thank you in advance!

[Kyle J.]

@David Lewis  There's a number of credit cards out there with a good perks (e.g. cash back, various types of other perks, etc).  However, since you specifically asked about business credit cards, I'll give you my recommendation those.  

Take a look at the Chase Ink Business Cards, specifically the Chase Ink Business Unlimited card (1.5% cash back on all purchases) and the Chase Ink Business Cash card (1% - 5% cash back depending on the category). Both cards have no annual fee, and a really good benefit to both cards (in my opinion) is they don't report to your personal credit report. So any balance you have doesn't factor into your personal DTI ratio.

I pay my balance off every month, but the monthly statement amount could still potentially report on your credit report and factor into your DTI ratio. (Depending on when in the month you pay the balance off.) Not with these cards though.

It should be noted that neither of these cards probably have the lowest interest rate, but I'm assuming you (like me) don't care what the interest rate is because you intend to pay the balance off every month.  Otherwise, you wouldn't be asking about perks.  Cards with good perks rarely have great interest rates.  It wouldn't make sense to carry a balance at 19% interest just to get 1.5% cash back.  But I'm sure you know that, so I didn't bother recommending cards with good interest rates.