Quick question if I may. Looking to get a new credit card for a small ecommerce business with 2 physical locations and a team of +10 employees (part time/full time).
WE have a credit card with our current bank that gets a lit of usage but the perks aren't that great (1% cashback). We spend heavily across inventory and ads so the goal of getting a better card(s)would be to 1- higher cashback across all transactions 2- more perks 3-better financial automation features (virtual cards, customizable limits, expense management, etc). At this stage from all the business cards we've been looking at I'm inclined into going Chase Ink Business Unlimited and the Ramp corporate card based on cashback and general feature set. Any ecom wizards on here? What credit cards did you find most favorable long term?
Cheers.
Any thought on best credit cards for small business as head into 2026?
byu/Agile_Campaign_6610 inCreditCards
Posted by Agile_Campaign_6610
1 Comment
We switched to Ramp in August and it’s been 100% worth it
You’re gonna get 1.5% cashback on every transaction and you can issue virtual cards to pretty much everyone with limits ($ limits/vendor limits or both). One of the best features is the auto categorization (if you’re in the industry you know much time this takes)
One thing to know is that it’s a charge card not a credit line so you’re paying balances more frequently. Wasn’t a problem for us at all but worth factoring in depending on your cash flow