As banks have become very stringent with their money lending policies, small business owners are having a tough time meeting their financing needs. Over recent times, the bank lending seems to have reduced by $11.8 billion on the whole by banking and other financial lending organizations. So what should small business owners do for procuring their monetary funds? Obviously they should bank on some credit cards. But which credit cards are going to be of maximum benefit to consumers is quite difficult for the business owners to find out especially when there seem to be so many companies claiming to offer the best facilities to the consumers. Billshrink , a leading financial website and blogging network, has come up with an infographic recommending the usage of certain credit cards. They have furnished the details of each and every card they have recommended so that you know exactly why those cards are recommended.

American Express Open Gold Card

This is the first business card recommended by Billshrink. Let’s see why:

• If you spend $50,000 annually, you’ll get a bonus of $25,000 annually
• Earn a point for every dollar you spend on purchases
• There’s no limit on the number of points you earn
• The annual fee is only $125 and this is free for the first year.
• There is no predefined limit on your expenditures by using the cards.

On the whole, good earnings and spending freedom are factors that are in the favor of the consumer. The total reward value that you get is estimated to be $10, 189 which is three times more than the normal value of $ 3,600 which you usually get on other credit cards. You also get to earn an extra $6,589 over three years in comparison to the normal business cards.

American Express Open Gold Delta Skymiles Business Card

This is the next business card that has been recommended by Billshrink for usage by small business owners. This card has a lot to offer and the value of rewards is $8,328 in comparison to the regular cards which give you a rewards value of only $3, 600.

• Like the previous business card there is no predefined limit on your expenditures. Also as in the case of the previous card, there is no limit on earnings.
• Attractive bonuses can be earned for first time as well as annual purchases.
• You can earn an extra $4,728 in about three years time which is much more than what you can earn over your usual card over the same period of time.

Bank Of America Hawaiian Airlines Visa Business Card

This is the last of the business cards recommended by Billshrink, which small business owners can be used for meeting their monetary requirements. The value of rewards is $ 8,048 which is lesser than the Delta card. Your additional earning is $ 4.448 over a period of 3 years which is less than what you’d get from the Delta card for the same period of time. The sign up bonuses and purchase points are also much lesser than that of the American Express Delta Cards.