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Knowing the benefits, fees, charges and interest rates will help you choose the card that best suits your business needs. From keeping your work expenses separate from personal ones to accessing different bonus reward categories, there are many good reasons to get a business. A higher minimum spend is usually required. If you have a large purchase coming up, it could be the perfect time to get a business card. Sometimes they are. Using a business credit card allows a business owner to easily separate work and personal expenses, better manage business expenses, and all while getting. Ink Business Unlimited® Credit Card: Best feature: Unlimited % cash back on every purchase. Ink Business Cash® Credit Card: Best feature: month 0%.