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Other times, it’s because they either don’t know that credit cards for small businesses exist or have no real idea of what they should be looking for when filtering through the options.

In essence, the process of selecting a small business credit card is much like the process of selecting a card for personal use, with things like APR, annual fees, and payment terms all being important things to watch out for.

The other benefits are largely focused around travel perks, and include no foreign transaction fee, free checked bag and priority boarding for you and up to 8 companions, 20% statement credit when you use your card for Delta inflight purchases, and a 50% discount on Sky Club airport lounge passes for you and up to two companions.

With a current bonus value of 0 and an annual fee of just , the Hilton Honors American Express Business Card makes a solid option for small business owners looking for a card that rewards them for travel.

On the downside, the annual fee of 5 is among the highest of the cards in this category.

The Chase Ink Business Preferred Credit Card comes with an attractively low annual fee (just ), no foreign transaction fees, a membership program that will reward you with 3 Ultimate Rewards points per dollar on the first 0,000 spent in the first year on travel and eligible business expenses, no foreign transaction fees, additional cards for employees at no extra cost, and a range of consumer protection plans such as primary rental car insurance and cell phone insurance.Sign up to the Gold Delta Sky Miles Business Credit Card from American Express and you stand to earn 30,000 bonus miles after spending 00 in the first three months (plus a statement credit if you make a Delta purchase within that period), no foreign transaction fees, a 20% discount on purchases you make onboard, and priority 1 boarding.If you’re aiming to achieve your Delta Elite Medallion status, the Platinum Delta Sky Miles Business Credit Card from American Express can help get you there thanks to its generous sign-up and loyalty points program.Small business owners are often tempted to use their personal credit cards rather than go to the bother of finding a card that’s specially designed for small businesses.Sometimes, they do it simply because they think it’s easier.

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