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There are different business credit cards to suit different business needs and goals. When comparing business credit cards, consider your business expenses, fees and charges, and perks.

Are you a business owner looking for a business credit card to free up your company’s cash flow, keep business and personal expenses separate, while enjoying rewards, perks, or savings? It’s good that you recognized the power of a business credit card!

As diverse as consumer credit cards are, the same is true of business credit cards.

Some are designed to help companies earn rewards such as cashback, miles or reward points for their expenses, while others could focus more on keeping costs down through cheaper exchange rates and no annual fees. Some business credit cards even offer tempting travel perks or the ability to access flexible credit limits.

Best business credit cards in Singapore

Best for low foreign exchange fees & no annual fee: Aspire Corporate Card

The Aspire Corporate Card could be the business credit card for you if you’re looking for a $ 0 annual fee business credit card – one that also offers a low exchange rate of 0.7 percent.

This virtual business credit card helps you save on marketing and software-as-a-service (SaaS) expenses – think of Google Ads, Facebook Ads, LinkedIn Ads, Slack, Xero, Google Suite, Mailchimp and more – thanks of the 1 percent cashback it offers.

All cashbacks earned are automatically credited to your Aspire account in Singapore dollars on a monthly basis.

In addition to access to exclusive benefits from partners, you can look forward to real-time spending notifications and fast customer service. Note that the Aspire Corporate Card applicant must be a director of a Singapore registered company.

Best for premium travel benefits and generous cashback: American Express Singapore Airlines Business Credit Card

The American Express Singapore Airlines Business Credit Card should be on your radar if your company is typically busy with frequent overseas travel. As a co-branded Singapore Airlines American Express business credit card, you can expect a variety of Singapore Airlines and travel benefits with this business credit card.

Highlights? Look forward to collecting up to 8.5 HighFlyer points for every US dollar spent on eligible Singapore Airline Group flights worth 8.5 percent cashback. For all other expenses you will receive 1.8 HighFlyer points for every US dollar spent, which corresponds to a cashback of 1.8 percent.

The HighFlyer points can be used to offset future travel purchases without upper limits, without blocking times and without restrictions. Just so you know, HighFlyer points are valid for a full three years.

With this business credit card, you can also enjoy a free night’s stay per year and up to 50% discount on restaurants with Accor Plus throughout the Asia-Pacific region, as well as two free Priority Pass airport lounge visits per year for you and one guest, up to 1 One million US dollars in free travel accident and cancellation insurance.

These sweet perks add to the fact that American Express offers extended payment terms – up to 51 interest-free days from the transaction date – to help boost your company’s cash flow.

Welcome Gift: Enjoy an annual card fee of USD 0 for the first year and receive a welcome bonus of 30,000 HighFlyer points.

Best for rewards for everything you spend: Citi business card

The Citi Business Card is the one if you want a business credit card that will give you rewards for literally everything you spend on your business, be it meals, office supplies, marketing, entertainment, or travel. With this card, you can earn two Citi Thank You Points for every dollar spent, equivalent to 0.45 percent cashback, or 0.8 miles for every dollar spent.

In addition to making it easy for you to earn rewards for your business expenses, you’ll be thrilled to know that the Citi Business Card will step in when you need to increase your company’s cash flow – it gives you a generous line of credit of up to 100,000 US dollars if you want to expand your business.

That’s not all, you also get up to 55 days of interest-free credit, in addition to free public liability insurance of up to $ 25,000 ($ 34,000) per card member and $ 1,650,000 per company to protect against card misuse by your employees. This card also includes free travel accident insurance coverage of up to $ 1 million per card member when you charge the full rate on the Citi Business Card.

Best for six or twelve months interest-free installments: Standard Chartered Business Platinum Card

The Standard Chartered Business Platinum Card is a non-refusable business credit card. Not only does the card offer one of the lowest annual fees on the market, but that $ 160.50 fee is waived for the first three years.

For businesses that need to make large purchases but can’t prepay for everything, the card’s EasyPay feature allows you to convert your retail transactions over $ 500 into interest-free payments for six or twelve months with a one-time service fee.

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What about rewards? The Standard Chartered Business Platinum Card also earns you one point for every USD 1 charged to your card that you can redeem for rewards, which equates to 0.3 percent cashback on all expenses.

In addition to access to the 24-hour Visa Platinum Concierge for travel assistance, reservations, and shopping and gift services, you can also look forward to the offers and privileges of the ‘The Good Life’ card in over 3,000 sales outlets in Asia.

Best for cashback on foreign currency: DBS World Business Card

While the DBS World Business Card offers a high annual fee and a minimum annual income of $ 80,000, this business credit card is filled to the brim with perks and privileges.

With the DBS World Business Card you receive cash discounts in the form of DBS Rewards Points, which you can redeem for cash, airline miles or even shopping vouchers. The DBS World Business Card offers a cash discount of two percent on foreign spending (corresponds to 2mpd); one percent cash discount on local restaurants, entertainment and travel (equivalent to 1 MPD); and 0.3 percent on all other transactions (corresponds to 0.3 mpd).

With this business credit card you can also enjoy up to 10 free Priority Pass visits to airport lounges per year, up to 1 million US dollars in travel insurance protection when the card is charged with the full travel price, Mastercard Easy Savings®, restaurants, entertainment, transportation and other business benefits, up to $ 1.65 million in employee abuse protection and access to a dedicated 24-hour service with DBS BusinessCare. You can monitor and analyze card issues at any time and around the clock.

Best for dining and unlimited access to the airport lounge: UOB Regal Business Metal Card

Designed for the business elite, the UOB Regal Business Metal Card is an invite-only business credit card that offers world-class luxury perks and benefits such as: B. 12 free Drive Home Valet Service, free green fees with Mastercard Southeast Asia Golf Program, unlimited access to the airport lounge, free Fraser World Diamond membership, Elite DISCOVERY Black status and free Accor Plus membership with the exclusive benefits of a four-night stay (for the price of three nights).

Finally, enjoy automatic registration for Silver membership status in the Le Club AccorHotels loyalty program.

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The UOB Regal Business Metal Card is fantastic for dining thanks to the 2 percent cashback for food expenses. Cardholders also enjoy up to 50 percent discount on food in over 1,100 restaurants with Accor Plus membership, up to 50 percent discount on business lunches at the Grand Hyatt Singapore and free champagne in renowned restaurants around the world.

This exclusive business credit card also offers cardholders two percent cashback for overseas spending, 1.5 percent cashback for all local retail spending, and 0.3 percent cashback for utilities.

Best for flexible credit limits: Maybank Business Platinum Mastercard

Maybank Business Platinum Mastercard offers flexible credit limits based on the company’s profitability, absolutely independent of personal card limits. Independent limits can also be set for several cards within the overall limit. With this business card you can enjoy up to 51 days of interest-free credit for purchases.

To make things easier for companies, consolidated statements detailing the spending of all Maybank Business Platinum Cards issued by the company are provided. You can monitor expenses and reconcile expenses for efficient tax reporting.

TREATS points are flexible – they can be redeemed for airline miles, cash, vouchers and more. In addition to the two-year welcome waiver of the annual fee, Maybank Business Platinum Mastercard also offers free travel insurance, global concierge services, worldwide withdrawal services and free printing of business logos.

You will receive 1 TREATS point for every dollar you spend on the Maybank Business Platinum Mastercard. You can still collect TREATS points when you apply for Maybank Auto PayBills and debit your recurring bills from the Maybank Business Platinum Mastercard.