In recent years, we have seen the rise of the small business and its growing number of entrepreneurs. However, finding the right credit card for your small business is not always easy. It can be made especially difficult when you spend a growing amount of money on shipping each year, with many cards limiting your rewards or assigning short expiration terms. 

However, a number of financial institutions have taken notice, and they have begun creating credit cards specifically designed for the growing small business. These cards offer not only the typical cashback and travel rewards seen with traditional credit cards, but many have also begun to incorporate shipping benefits to help with your rising shipping expenditures.

Using the latest rates and information for today's best small business credit cards, these are the best small business credit cards for big shipping budgets.

The Blue Business? Plus Credit Card from American Express

Best introductory offer

See Rates and FeesTerms Apply card highlights intro bonusN/AAPR18.49% - 26.49% Variablerecommended creditExcellent, Goodreward rates

• Earn2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners
• 2X applies to the first$50,000 in purchases per year, 1 point per dollar thereafter

annual feeNo annual feeintro purchase APR0% on purchases for 12 months from date of account openingrewards & redemption details

• Earn 2X Membership Rewards? points on everyday business purchases such as office supplies or client dinners
• 2X applies to the first$50,000 in purchases per year, 1 point per dollar thereafter

At a glance

Many American Express business credit cards are great picks, but the Blue Business Plus Credit Card is excellent for its open rewards policy. You immediately receive a 0% introductory APR on your purchases for the first year of card membership (then, 18.24% - 26.24% variable). An introductory offer includes 15,000 Membership Rewards Points after spending$3,000 in eligible purchases within the first three months of having the card. 

Accounts may have up to 99 cards for employees, with extra Membership Rewards points earned on each employee's card. 

Membership points vary based on the type of purchase you make:

• 2X points on everyday business purchases 

• 2X points on the first$50,000 spent annually in purchases  

• 1X points on all other purchases

There are other benefits, too. American Express offers its signature Expanded Buyer Power, a unique feature that allows you to spend above your credit limit. There are limits as to how much you can exceed your credit limit, but it fluctuates based on factors like your credit score and spending habits. Just be careful with fees because Amex has several, such as a 2.7% foreign transaction fee, an up to$39 late payment fee, and a sliding scale for balance transfers.(See Rates & Fees) 

To get the American Express Blue Business Plus Credit Card, you can apply online in what American Express says can be as little as 30 seconds.

Pros:

• Flexible buying power

• No overlimit fees

• 0% intro APR

Cons:

• Spending caps

• Several fees

• No travel rewards

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Blue Business? Plus Credit Card from American Express

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American Express? Business Gold Card

Best for personalized rewards

See Rates and FeesTerms Apply card highlights intro bonusWelcome Offer: Earn 70,000 Membership Rewards? points after you spend$10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*APR19.49% - 27.49% Variablerecommended creditExcellent/Goodreward rates

• Get 4X Membership Rewards? points on the 2 select categories where your business spent the most each month.
• 1X is earned for other purchases. **

annual fee$295intro purchase APRN/Arewards & redemption details

• Get 4X Membership Rewards? points on the 2 select categories where your business spent the most each month.
• 1X is earned for other purchases. **

At a glance

The American Express? Business Gold Card has no pre-set spending limit for your card, instead of using a fluctuating scale for your card's credit limit. American Express welcomes you with generous introductory rewards that include 70,000 Membership Rewards? Points when you spend$10,000 in eligible purchases within the first three months of having your card.

The Business Gold Card does not cap your spending rewards, and there is an additional annual bonus that includes 4x points for your first$150,000 in eligible purchases at the end of every year. You also can earn up to 250,000 points back on airline purchases each year. 

When it comes time to pay your bill, American Express allows you enormous flexibility with its Pay Over Time Option that allows you to, well, pay over time if you do not want to pay off your whole balance. Plus, enjoy the added peace of mind of Purchase Protection*, which covers up to$1,000 per occurrence and up to$50,000 per account per year on eligible purchases. Just watch out for the annual fee, which costs$295 per year.

Pros:

• Unlimited points

• Generous intro offer

• Flexible payment structure

Cons:

• High annual fee

• Intro offer lasts just 3 months

• Limited purchase protection

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

American Express? Business Gold Card

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Chase Ink Business Unlimited? Credit Card

Best for low APRs

card highlights intro bonusEarn $750 bonus cash back after you spend$6,000 on purchases in the first 3 months from account openingAPR18.24% - 24.24% Variablerecommended creditGood, Excellentreward rates

• Earn unlimited 1.5% cash back on every purchase made for your business

annual fee$0 intro purchase APR0% Intro APR on Purchases for 12 Monthsadditional details balance transfer feeEither$5 or 5% of the amount of each transfer, whichever is greater.balance transfer APR18.24% - 24.24% Variableforeign transaction fees3% of each transaction in U.S. dollars.penalty APRUp to29.99%rewards & redemption details

• Earn unlimited 1.5% cash back on every purchase made for your business

At a glance

The Chase Ink Business Unlimited? Credit Card is one of our picks for the best airline credit cards. It is a great option for everyday purchases but even better for its welcome rewards. When you open a new account, you receive a welcome bonus of$750 cashback after spending$6,000 during your first three months. There is also a 0% fixed Intro APR for the first year (then 18.24% - 24.24%, variable), and you get up to 100,000 additional points per year when you refer new business owners to the card. With Chase Ultimate Rewards?, you can redeem your rewards for various items, such as cashback, gift cards, and travel. Your points never expire as long as your account remains open and in good standing.

There is no annual fee or minimum interest charge, but you still pay for things like balance transfers, cash advances, and transaction fees. Your account includes extra security features, such as real-time fraud monitoring and purchase protection up to$10,000 per claim and$50,000 per account for 120 days after purchase. There is also an auto rental collision damage waiver when you use your card for rental cars, allowing you to save money by declining the rental company's own collision insurance.

Pros:

• Welcome bonus cash back

• Intro APR

• Up to $3,000 credit limit

Cons:

• Not a great choice for poor credit

• No bonus rewards categories

• Some added fees

Chase Ink Business Unlimited? Credit Card

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Chase Ink Business Preferred? Credit Card

Best for excellent credit

card highlights intro bonusEarn 100k bonus points after you spend$15,000 on purchases in the first 3 months from account opening. That's$1,000 cash back or$1,250 toward travel when redeemed through Chase Ultimate Rewards?APR20.99% - 25.99% Variablerecommended creditGood, Excellentreward rates

• Earn 3 points per$1 on the first$150,000 spent on travel and select business categories each account anniversary year
• Earn 1 point per$1 on all other purchases