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Top Business Credit Card Deals for July 2024

As we navigate through 2024, businesses are constantly looking for ways to optimize their finances and leverage credit card rewards for better financial management. Whether you’re a startup or a well-established enterprise, choosing the right business credit card can make a significant difference in your financial strategy. Below, we delve into some of the top business credit card deals available for July 2024, designed to meet varied business needs and enhance profitability.

Best Business Credit Card Offers for Rewards

If maximizing rewards is your primary goal, several business credit cards stand out in July 2024. These cards offer substantial benefits ranging from cash back, travel points, to other exclusive perks.

Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Credit Card continues to be a favorite among business owners. Here’s why:

  • Earn 100,000 bonus points after spending $15,000 on purchases in the first 3 months from account opening.
  • Enjoy 3 points per $1 on the first $150,000 spent on travel and select business categories annually.
  • 1 point per $1 on all other purchases.

These rewards can be redeemed through the Chase Ultimate Rewards® program for travel, cash back, gift cards, and more. What’s more, points are worth 25% more when you use them for travel through Chase Ultimate Rewards®.

American Express® Business Gold Card

For those who value flexibility, the American Express® Business Gold Card offers:

  • Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months.
  • 4X points on the 2 select categories where your business spends the most each month (up to the first $150,000 in combined purchases).
  • 1X points on other purchases.

This card also provides tools to help manage your business expenses effectively, making it a versatile choice for diversified spending.

Top Cash Back Business Credit Cards

For business owners who prefer straightforward rewards, cash back credit cards can be extremely beneficial. Here are the top picks for July 2024:

Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a straightforward cash back card with excellent earning potential:

  • Earn 2% cash back on every purchase with no limits on the amount you can earn.
  • Earn a $1,000 cash bonus once you spend $50,000 in the first 6 months.

This card is ideal for businesses with high spending across various categories, offering consistent and unlimited cash back.

Bank of America® Business Advantage Customized Cash Rewards Mastercard®

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® provides customizable rewards to suit your business needs:

  • Earn 3% cash back in one category of your choice, such as gas stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services.
  • 2% cash back on dining, and 1% on all other purchases.
  • 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

This card is particularly attractive for those who want to align their rewards with their spending patterns.

Best Business Credit Cards for Travel

If your business requires frequent travel, getting a travel-specific business credit card can provide significant savings and benefits. Below are the top travel business credit cards for July 2024:

Capital One® Spark® Miles for Business

The Capital One® Spark® Miles for Business is built for businesses on the move:

  • Earn 2X miles per $1 on every purchase.
  • Earn a 50,000 miles bonus when you spend $4,500 on purchases within the first 3 months from account opening.

Miles can be redeemed for travel, with no blackout dates, making it a flexible choice for businesses that frequently travel.

The Business Platinum Card® from American Express

If you seek premium travel perks, the Business Platinum Card® from American Express offers:

  • Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your card within the first 3 months.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com.
  • 1.5X points on eligible purchases in select business categories and on purchases of $5,000 or more, up to a cap.
  • 1X points on other purchases.

This card also offers a plethora of travel benefits, including access to airport lounges, hotel status upgrades, and travel insurances, making it perfect for the business elite.

Conclusion

With the diverse array of business credit cards available in July 2024, there’s a suitable option for every kind of business requirement, whether you’re looking for rewards, cash back, or travel benefits. Choosing the right card involves analyzing your business expenditure patterns and aligning them with the card offers to maximize the benefits. With the right business credit card in hand, you can enhance your cash flow, earn significant rewards, and enjoy numerous perks that support your business growth.

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