Question
So I will eliminate Citibank from the options. Now who do you think has the best program for businesses. To make this simple for everyone to read. Put the Name of the card in the "Title:" box and then put your reasons why in the "Message:" Looking forward to your opinions.
Answer
No one's biting, but here goes...
Since Citi's been excluded from the choices (per your first post) I'll toss in the AmEx Starwood Preferred Guest Business Card. Might not have any spectacular benefits, but the 1:1 conversion on most airmile programs, and the 5k bonus miles per 20k points converted is a nice touch.
In just plain / flat spending (no double point spending) it'll only take $20k in spending to get a roundtrip coach ticket, as opposed to actual airline credit cards which will usually still require $25k in spending (ie: 25,000 pts).
Answer
3% cash back at restaurants, gas stations, office supply stores, home improvement centers, building supply stores, and hardware stores. (The card does limit the 3% categories to $2K per month ($24K per year), above $2K per month, they're just normal 1% categories.)
1% cash back on everything else.
No cap on cash back earnings.
That just happens to be *my* favorite for *my* spending patterns.
There are so many other great business cards -- depending on your spending patterns you might like:
- Chase Business Cash Rewards Visa
- American Express SimplyCash Business Card
- American Express Business Gold Rewards Card
- American Express Starwood Preferred Guest® Business Card
- Advanta Platinum BusinessCard with Rewards MasterCard
To find which business card is best for *your* spending pattern, you can use this business card rewards calculator:
http://www.creditcardtuneup.com/?card_type=Business