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Being a dentist isn’t always easy. Although people know they should come for routine checkups, you might still pay large sums of money to grow your business. Let’s not forget about those other administrative expenses like continuing education and traveling to conferences.
As with some of the best Chase credit cards, these best credit cards for dentists can help you earn bonus points on the purchases you make to keep your business humming and patients happy.
1. Chase Ink Business Preferred
The best all-around business credit card for dentists is the Chase Ink Business Preferred℠ Credit Card. This is because it does a good job of offering bonus points on your large purchases and you have flexible point redemption options.
You can benefit from this card, one of the best credit cards for travel miles, for the following purchases:
- Advertising on Search Engines and Social Media
- Internet, cable and phone services
On these four purchase categories, you earn 3 Chase Ultimate Rewards Points on the first $150,000 in combined spending. All other purchases earn unlimited 1 point per dollar spent. While earning up to 3 points on each dollar spent is great, you also have some of the most valuable and flexible redemption options.
Each point is worth one cent each for cash rewards, gift card, and Amazon shopping credit. But redeeming your points for award travel is better. Your points are worth 1.25 cents each when booking travel with Chase.
Or, you can transfer your points directly to airlines and hotels like United, Southwest Airlines, and Hyatt where your points can be worth more than 1.25 cents each by booking travel directly through the carrier.
Finally, you have the opportunity to earn 80,000 bonus points by spending $5,000 in the first three months. This bonus is worth $1,000 in award travel and happens to be the largest Chase Ultimate Rewards bonus offer.
Before you apply, know that any Chase Ink business credit card is subject to the Chase “5/24 Rule.” If you have at least five new credit cards in the most recent 24 months, your Ink Business Preferred application will be declined.
2. American Express Business Gold Card
The American Express® Business Gold Card lets you earn American Express Membership Rewards points. This card is a solid option if you want to earn bonus points on advertising purchases. You can earn up to 4x bonus points on tv, radio, and online advertising.
You can choose two bonus categories to earn 4 points per $1 for the first $150,000 spent annually:
- Airfare purchased directly from the airline
- Select advertising purchases (U.S. purchases only)
- Select technology providers of computer hardware, software, and cloud solutions (U.S. purchases only)
- Gas stations (U.S. purchases only)
- Restaurants (U.S. purchases only)
- Shipping (U.S. purchases only)
All other purchases earn unlimited 1 point per $1 spent.
Your best point redemption option is award travel. You can transfer your points to one of the multiple 1:1 airline partners including Delta. Alternatively, paying for flights with points gives you 25% of your redeemed points back for future redemption.
As a welcome offer, you can also enjoy a free year of G Suite Basic and ZipRecruiter Standard.
3. SimplyCash Plus Business Credit Card
You might prefer earning tiered cash back rewards. The SimplyCash® Plus Business Credit Card from American Express does just that.
You can earn 5% on the first $50,000 at U.S. office supply stores and U.S. wireless phone service providers. Plus, you can get 3% back on the first $50,000 for one category. Some of the possibilities include advertising, plane tickets, hotel rooms, computer technology services, and dining or gas stations.
All other purchases earn an unlimited 1% back.
When you need to exceed your credit limit with a large purchase, you can do so penalty-free. This isn’t an unlimited expanded buying amount, but it’s a nice perk. These bonuses can help with costly overhead fees, making this one of the best credit cards for dentists.
4. Chase Ink Business Cash
If you want to maximize your office-related purchases, the Ink Business Cash℠ Credit Card doesn’t charge an annual fee. It’s also possible to earn more on certain purchases than the Chase Ink Business Preferred which charges an annual fee.
It’s possible to earn 5% back on the first $25,000 spent at:
- Office supply stores
- Phone, internet, and cable providers
You also get 2% back on the first $25,000 spent at gas stations and restaurants. All remaining purchases earn 1% back.
It’s possible to redeem your points for travel rewards, cash rewards, gift cards, or Amazon.com shopping credit. Your points are worth 1 cent each. Since this card doesn’t charge an annual fee, you don’t get a travel redemption bonus or 1:1 point transfers like the Ink Business Preferred.
After spending $3,000 in the first three months, you also earn a signup bonus of $500.
5. Capital One Spark Cash
If you want to earn unlimited 2% cash back on every purchase, the Capital One® Spark® Cash for Business can be for you. This can be a better option when your purchases don’t easily fit into tiered bonus categories.
There isn’t a redemption minimum, so you can redeem your rewards in any amount. Plus, you can earn a $500 cash bonus after spending $4,500 in the first 90 days.
The Spark Cash doesn’t charge a foreign transaction fee. Also, the annual fee is $0 the first year but $95 for each card renewal.
If you don’t spend enough to justify the $95 annual fee, you can also opt for the no annual fee Spark Cash Select which earns unlimited 1.5% back and doesn’t charge a foreign transaction fee either.
6. Chase Ink Business Unlimited
If you’re loyal to Chase, the Ink Business Unlimited℠ Credit Card earns 1.5% back on every purchase. It doesn’t charge an annual fee but has a 3% foreign transaction fee.
On the bright side, you can redeem your points for one cent each for travel or cash rewards, gift cards, or Amazon.com shopping credits.
You can also pool your points and redeem them for the enhanced travel rewards when you also own the Ink Business Unlimited.
Like the other Chase Ink Business credit cards, this one is subject to the Chase 5/24 Rule. You should apply if you have fewer than 5 new credit card accounts in the most recent 24 months.
Summary of the Best Credit Cards for Dentists
What office, advertising, and travel purchases you make determine which card is best for you. The next time you book your next continuing education conference or you want to promote a new service, these cards can help provide a higher return of investment. Hopefully one of these best credit cards for dentists can be helpful.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.