New Credit-Card Options for Small-Business Owners

Chase and others help broaden out a crimped lending field.

A couple of months ago, we noted that the pickings were slim for small-business credit cards (see “Credit Cards With a Head for Business.” ) But the competition for small-business owners’ business has heated up with the recent introduction of Ink cards from Chase. Here’s a first look at what the new cards have to offer, plus a couple of other cards we like.

Chase offers four Ink rebate cards: Ink, Ink Plus, Ink Cash and Ink Bold. Ink and Ink Plus are similar rewards-points cards; with Ink Plus, you can also earn bonus rewards. The no-fee Ink Cash card is strictly cash back; the no-interest Ink Bold is meant for business owners who pay in full each month. All four cards offer online expense-management tools and higher spending limits than comparable consumer-oriented cards. Employers may request additional free cards with specified spending limits for their employees, which can help control costs.

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Senior Reporter, Kiplinger's Personal Finance