Lendio sometimes receives compensation for credit card offers. This compensation may impact how products appear on this site (including, for example, the order in which they appear.) Lendio does not include all card companies or all card offers available in the marketplace. This editorial is from the viewpoint of Lendio, and not endorsed by any 3rd party. The information is accurate at the time of publication. Which facet of a credit card is the most important? Is it the APR, rewards, or perks? Is it something else? The answer changes depending on who you ask, and for good reason. The reasons for getting a credit card are not the same for everybody. Some people simply like to earn rewards on routine purchases while others get a credit card as a revolving line of credit. With many diverse preferences for what people want out of a credit card, it’s important to find a card that is balanced in all areas because, at one point or another, all of the facets can seem most important. You want a card that’s not just the best in a single category—you want a credit card that’s the best overall. We have scoured a dynamic list of credit cards to recommend our best overall credit card. When looking for the best overall credit card, we took into account intro APR, variable APR, any annual fees, rewards (points, miles, cash back), intro bonuses, and perks. The card that takes our spot for the best overall credit card is a card that is balanced in all areas and would be a harmonious financial edition to any small business. The winner for best overall business credit card goes to The Blue Business Plus Credit Card by American Express. Here’s why: \tNo Annual Fee: Having an annual fee isn’t inherently a negative thing. Most credit cards make up for the presence of an annual fee with added perks, but when you can find a card with solid perks that doesn’t require money out-of-pocket every year, that’s the best option. \tAPR: This card comes equipped with a near-unbeatable 12-month intro APR of 0%, meaning you won’t have to pay any interest on purchases with this card for a full year. Finding a business credit card with an intro rate of 12 months is a rare thing. After the initial 12 month period, the variable APR is relatively low at 13.24–19.24%. \tExpanded Buying Power: American Express grants cardholders Expanded Buying Power, meaning they allow you to use your card beyond its credit limit. More buying power for your business means more opportunities to earn points. \tRewards: For every dollar spent on business purchases, you earn 2X Membership Rewards points for the first $50,000 of purchases per year, and 1 point per dollar thereafter. Membership Points can be redeemed on travel, gift cards, statement credits, shopping, and more. Finding a credit card like The Blue Business Plus Credit Card that provides 2X earning and Expanded Buying Power is hard to beat with such great APR terms and no annual fee. Those factors make The Blue Business Plus Credit Card our choice for the best overall credit card. Lendio sometimes receives compensation for credit card offers. This compensation may impact how products appear on this site (including, for example, the order in which they appear.) Lendio does not include all card companies or all card offers available in the marketplace. This editorial is from the viewpoint of Lendio, and not endorsed by any 3rd party. The information is accurate at the time of publication.