Our best business credit card choice is the American Express Business Gold card, which has a $250 annual fee. If you’re starting your own business, this card can help you organize expenses and earn you rewards for purchases you make to build your business. This card also has a great perk for new businesses: Up to a year of free G Suite Basic to get your business email up and running.
Points: You’ll be earning points on any employee cards you set up, for a number of different business expenses including travel, computer equipment, shipping, and advertising, which could go a long way in helping you get your business off the ground.
Specifically, you’ll get 4 Membership Rewards points on up to $150,000 in combined purchases in two categories where your business spent the most each billing cycle—so if your business spends $150,000 on, say, computer equipment and online advertising, the primary account will receive 600,000 points to spend in the Membership Rewards portal, or cash out into your bank account. After that, you'll earn 1 point per dollar spent. If you book flights using points at American Express Travel, you'll get 25% of them back.
Perks: You can earn a welcome bonus of 35,000 Membership Rewards points after spending $5,000 within three months of account opening. Plus, you'll get up to one year free of G Suite Basic—think business Gmail, Google Docs, and Google Sheets—for up to three users. You’ll also get up to one year of ZipRecruiter Standard in the form of statement credits in your first 12 months of card membership to help you get staffed up.
As far as expense management goes, the card allows you to set up employee cards with customizable spending limits, transfer data from your American Express online statement directly into your QuickBooks account, and use the Spend Manager app to add receipts and notes to your transactions.