Best Small Business Credit Card For Landlords 2022

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Reviewed by Jazmin Castello - MBA
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The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Editor’s Choice

5.0 stars - votes

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Gift Card Rewards

5.0 stars - votes

American Express® Business Gold Card

American Express® Business Gold Card

Travel Friendly

5.0 stars - votes

In this article, we will discuss the best business cards for landlords. As a homeowner and as a business owner, you have many expenses. You need to have a strong card that can keep up with your expenses. We have done a detailed study of the current offers on the market and have chosen the best credit cards for landlords. We have chosen cards with a variety of bonus categories, so this way you can find what best fits your needs.

Top 6 Alternatives to Small Business Credit Card

Features Of The Best Small Business Credit Card For Landlords

This is the absolute best card for landlords. There is no card limit and you practically have access to unlimited cash. The card offers a strong membership rewards points program and this card is perfectly tailored for the big spenders. The fact that you can expand your credit limit as it fits your business needs is great to cover inconsistent cash flows.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

  • Variety of bonus categories 
  • Best travel rewards 
  • Statement credits with Uber and Saks
Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

  • Free employee cards 
  • $750 sign up bonus 
  • 1.5% unlimited cash back on common business spending categories
American Express® Business Gold Card

American Express® Business Gold Card

  • 4x points on all purchases made on airline and hotel partners 
  • 1x points after you spend more than $150,000
  • 4x points on key business categories
Ink Business Preferred® Credit Card
  • Sign up bonus of 100,000 points 
  • Statement credit as a gift card 
  • 1x points on other eligible purchases
The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

  • No annual fee
  • No credit limit thanks to the expanded buying power option 
  •  1x membership rewards points on all other purchases after $50,000
Capital One Spark Business

Capital One Spark Business

  • No annual fee 
  • 1.5% cashback on all eligible purchases 
  • No foreign transaction fee

Top 6 Best Small Business Credit Card For Landlords 2022

This card has an awesome membership rewards points system. It has strong travel rewards and it offers secondary car rental insurance. It offers rewards on common expenses for landlords such as phone services, advertising purchases, office supplies, and any other real estate investing activities

  • Variety of bonus categories 
  • Best travel rewards 
  • Statement credits with Uber and Saks
  • $595 annual fee
  • 700+ personal credit score 

The reviews on this card are very good. This card offers access to American Express travel lounges, so if you have multiple properties in various locations and you need to travel a lot, this card offers as a bonus accommodation to the best airport lounges. The users seem very happy with the American Express rewards benefits and the membership points. You can convert the points onto perks such as discounts when you book via their traveling services.

Ink Business Unlimited® Credit Card

The Chase Ultimate Rewards system is great as it allows 1.5% cashback on all purchases. This is great  because as a real estate investor you incur many expenses throughout the year and receiving a  no cap cashback on your spending is awesome

  • Free cards  for employees 
  • $750 sign up bonus 
  • 1.5% unlimited cash back on business spending categories
  • High foreign transaction fees 
  • Not the best for doing balance transfers 

The reviews are strong on this card. The customers enjoy the fact that you can convert your cashback onto gift cards. The cash advance fee is 5%   or $15, whichever happens, to be the largest. The reviews also like the customer service and they seemed very happy about the low APR which varies from 13% to 19%. The interesting detail is that there is no annual fee to redeem rewards on gift cards

American Express® Business Gold Card

The American Express card membership reward system is great as it offers 4x on all business-related expenses up to $150,000. This includes the most common expenses for landlords such as wireless telephone services, wireless telephone purchases, office supplies, and even travel costs.

  • 4x points on all purchases made on airline and hotel partners 
  • 1x points after you spend more than $150,000
  • 4x points on key business categories
  • $295 annual fee 
  • You need high credit scores to qualify

The reviews are strong. The Amex business gold card offers 25% airline bonuses and the points can be redeemed immediately when you book. The business owners enjoy the fact that there is no spending limit and they know that this card can back them up in an emergency.  This card offers free access to various business management tools. The users are very happy that you can pay eligible purchases over time and without having to incur extra fees

Ink Business Preferred® Credit Card

When you redeem your rewards via the Chase Ultimate Rewards system, you get 1.25x the value. The Chase Ink Business Preferred card offers 3x points on qualifying expenses.

  • Sign up bonus of 100,000 points 
  • Statement credit as a gift card 
  • 1x points on other eligible purchases
  • $95 annual fee 
  • There is no 0 introductory APR
  • You must have high credit scores to qualify 

The users are happy with this card. It has a great welcome bonus and it is very easy to qualify as all that you need is to spend $15,000 or more in the first 3 months. The clients are happy with the fact that you can get 1x unlimited points on all other expenses. The important detail about this card is that it has no foreign-related transaction fees and it has great travel perks such as trip cancellation protection and even extended car warranty protection. The card even has free tools to monitor your business checking account. The consent is that the Chase Ultimate Rewards system has perks that can be applied to many categories and thus it is good as a general business credit card.

The Blue Business® Plus Credit Card from American Express

The card offers a 0% introductory APR and it also allows you to make expenses above your credit limit without incurring any penalties. The card offers 2x points up to $50,000 of spending and then it has 1x rewards on all expenses above the  50k limit. There is no annual fee and there are 15000 points account opening rewards.

  • No annual fee
  • No credit limit thanks to the expanded buying power option 
  •  1x membership rewards points on all other purchases after $50,000
  • Limited Rewards
  • Not travel friendly

The reviews are great. The consensus is that the Amex Blue business plus is a great business card for landlords that have not scaled their business. The users agree that this is a nice simple card with no fees and a great welcome bonus. The users like the fact that there is an extended warranty on your car, global assistance when you travel, and insurance on vehicle theft while on rental.

Capital One Spark Business

This credit card has no annual fees. The card offers unlimited 2x  miles on all purchases.

  • No annual fee 
  • 1.5% cashback on all eligible purchases 
  • No foreign transaction fee
  • Requires very high credit score

The users are ok with this card. This is a simple card for a business that has not scaled up and does not have a lot of expenses. The card also offers no foreign transaction fees, thus it is travel friendly. The core features of this card are that it allows you to transfer miles among 15 travel partners. The users did point out that they do not like the fact that the annual fee raises to $95  on the second year of use.

How to Qualify for Small Business Credit Cards

You need to have a strong credit history and your credit record needs to be clean. The card issuer will run a credit check on you and your business. The idea is that they need to see that you know how to spend money and how to manage money and that you can pay back the expenses. They will check your payment history and your personal details. Usually, a credit score above 670 will qualify for most types of credit cards.

How To Make The Most Out Of These Credit Cards

As a business owner, you will make the best out of these credit cards by choosing the right rewards category. You need to choose the company that offers low card membership costs.  The right business card will help you save money by offering bonus rewards that fit with the nature of your business and your lifestyle.

Small Business Credit Cards’ Perks You Do Not Want To Miss

Separates Personal And Business Expenses

The right business credit card should help you in separating personal expenses and business expenses. When it comes time to file taxes and do the expenses itemization, you need to differentiate your combined purchases onto personal and business expenses. The right credit card should provide you with free tools to separate these expenses.

Smooths Inconsistent Cash Flow

[The rental property business is profitable, but there might be times that there is inconsistent cash flow. While you try to find the right renter, your properties are empty and there is no cash flow, while expenses are always, well constant and always piling up. To compensate for this, your credit card should have enough purchasing power to be there for you during the difficult times of inconsistent cash flow.

Credit Card Rewards

[As a business owner, you have a lot of expenses. Your everyday business purchases definitely add up. You should receive compensation for your big purchases. Your business credit card will give tailored rewards that fit your needs, your spending habits, and your lifestyle.

Frequently Asked Questions (FAQs)

How do I apply for a business credit card?

The process of account opening is simple. The above credit card companies offer online application forms. You will in detail regarding your creditworthiness.

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ABOUT THE AUTHOR

ABOUT THE REVIEWER

Jazmin Castello holds a Master's degree in Business Management, owns two companies, and has also published a self-help book. When she is not working or writing, she likes to spend time with her family and to travel.

+ 6 sources

Bizreport Advisor adheres to strict editorial integrity standards avoids using tertiary references. We have strict sourcing guidelines and rely on peer-reviewed studies, academic research. To ensure the accuracy of articles in Bizreport, you can read more about the editorial process here.

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  2. ‌Chase.com. (2022). Ink Business Unlimited Credit Card: Cash Back | Chase. [online] Available at: https://creditcards.chase.com/business-credit-cards/ink/unlimited.
  3. ‌American Express. (2021). American Express Business Gold Card. [online] Available at: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/.
  4. ‌Chase.com. (2022). Chase Ink Business Preferred Credit Card | Chase.com. [online] Available at: https://creditcards.chase.com/business-credit-cards/ink/business-preferred.
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