The Ink Business Preferred® Credit Card ranks atop our list of the best business credit cards because of its stellar rewards system and travel benefits, but the card has a minimum $5,000 credit limit, meaning small business owners approved for this card will have a decent credit limit even if only granted the minimum.

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

Welcome Offer: 100,000 points after you spend $15,000 on purchases in the first 3 months from account opening.

Annual Fee: $95

Other Benefits and Drawbacks: The Ink Business Preferred® Credit Card earns Chase Ultimate Rewards points, which are valuable for their flexibility and high redemption values. Points can be redeemed directly for travel at 1.25 cents per point through Chase Travel but also transferred at a 1:1 rate to a wide range of other loyalty programs including United Airlines, Air Canada, Southwest and Hyatt. The points can also be combined with personal points, meaning existing Chase consumer credit card customers (for whom this benefit alone makes this card a winner) can benefit on all credit-card-charged expenses.

The card also offers great benefits such as cell phone insurance (three claims of $600 each per year with a $25 deductible), trip cancellation and interruption insurance, primary auto rental insurance when an car rental is used for business purposes (secondary if for personal reasons) as well as extended warranty coverage and purchase protection.

Read our Ink Business Preferred® Credit Card to learn more.