What is the best program for a small business that spends $3500/month and pay our bill every month.

The best program is to get a personal card--not a business card because business cards are not protected by the Fair Credit Billing Act and other consumer protection laws. That's the main reason banks push the business cards so hard.

Pick out a good program for individuals--Amex SPG and Chase Sapphire Preferred are two obvious choices. Look for 25-30K bonus on the SPG and 40K on the Chase.

Remember, the small business owner is going to have to accept personal legal responsibility for the business credit card accounts.

But if you do opt for a Biz card, you gotta go with the Ink Bold (Chase). It laps the competition.

1. How many cards do you need on the account? If you only need one using a separate personal card is fine, but if you need several a business card is better because it allows you to easily track spending by individual, to assign individual spending limits, and if a card is lost, damaged or compromised the others are not affected.

2. How much of your spending is in categories which attract bonuses such as telephone, Internet access, gasoline, airfare, dining, office supplies? Without knowing the mix no one can make a meaningful recommendation.

3. Will you use the rewards personally, or will you redeem through the business?

Just one card. No other real options to add on for points thru phone, cable, others. 4 Partners so getting a personal card would be an advantage that only one could capitalize on so we would want the business to reap the rewards. We don't buy many items that we would need covered like a personal card.

This is not necessarily a reason to choose a business rather than a personal card. Business cards are issued based on the credit of the primary cardholder, not based on the business's credit rating. The primary cardholder will be 100% responsible for the debt, and the rewards will accumulate in the primary cardholder's name. However, some rewards programs (e.g. American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards) make it easy to have a separate rewards account for a specific card. The rewards in that account would belong to the primary cardholder, but could be redeemed to offset business expenses or transferred to other rewards accounts (the details would vary between programs).

If you need a card based on the creditworthiness of the business itself you want a Corporate account, rather than a Business card. Merely forming a corporation is not sufficient to qualify. Corporate accounts typically require large gross revenue.