The best small business credit cards for big shipping budgets

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When you're self-employed, opening a business credit card lets you separate your personal and professional business expenses — one of the best strategies for staying on top of your finances.

And when your side hustle, freelance business or brick-and-mortar store requires you to send large quantities of products and goods across the U.S. or around the world, a business credit card can help offset high shipping costs. 

Business credit cards come with all kinds of perks, including interest-free financing on purchases, top-of-class travel rewards, extended retail warranties, insurance and more. Below, CNBC Select reviewed our list of best small business credit cards and chose four that are most beneficial for all those trips to the post office, UPS and FedEx. 

Note that you usually need to have excellent credit (a credit score of 670+ according to Experian) to qualify for the best small business cards. However, there are a few options for business owners with average credit, and we include one on our list below.

How to earn on shipping purchases:  The Ink Business Preferred® Credit Card is a great pick for business owners who love to travel, as you can earn 3X travel rewards points on the first $150,000 spent in combined purchases in select categories each account anniversary year. Some of the most common small business expenses include:

• Travel
• Shipping purchases
• Internet, cable and phone services
• Advertising purchases made with social media sites and search engines

Cardholder earn 1X point per $1 spend on all other purchases. You can redeem your points for travel, cash back, gift cards, experiences and more. You'll receive the most value when redeeming points for travel through Chase Travel^SM.

This card comes with a generous welcome bonus of 100,000 points after you spend $8,000 on purchases in the first three months from account opening. When you redeem the points through the Chase Travel^SM, the 100,000 point bonus is worth $1,250 towards travel.

When it's time to redeem your rewards to book your next trip, Ink Business Preferred Credit Card comes with helpful travel benefits, such as zero foreign transaction fees, auto rental collision damage waiver and trip cancellation/trip interruption insurance.

You'll also be eligible to enroll in cell phone protection to cover damage or theft for both you and your employees listed on your monthly cell phone bill (it must be paid by your card). The protection covers up to $1,000 per claim and a maximum of three claims in a 12-month period. There is a $100 deductible per claim.

This card does come with a $95 annual fee, but if you travel for either business or pleasure, this cost can easily be offset by taking full advantage of the travel rewards and welcome bonus. And any additional employee cards are free.

How to earn on shipping purchases: The Blue Business® Plus Credit Card from American Express is a no-annual-fee (see rates and fees) card that lets business owners earn on everyday spending without restrictions. You'll earn unlimited 2X Membership Rewards^® points on up to $50,000 in spending every year. After that, you earn 1X points on all spending.

Business owners looking to invest in their business and finance new big purchases without incurring interest should consider the Amex Blue Business Card Plus for its 0% intro APR on purchases for 12 months from the date of account opening, then (18.49% - 26.49% variable APR thereafter; APR will not exceed 29.99%). (See rates and fees.)

If you plan to spend on top-dollar manufacturing equipment, office furniture, professional certifications, electronics or other business items, this special financing period can provide you with an interest-free period for up to one year.

Who's this for? The Capital One Spark Classic for Business* is for business owners with average credit who want to qualify for a more robust business card in the future without giving up on cash back now. This card has no annual fee and no fee for employee cards.

Though it doesn't offer special bonus rewards for shipping purchases, this card does have a straight-forward flat-rate cash-back program: Earn 1% cash back on every purchase and redeem cash back at any time and for any amount as statement credit or check. There's also the option to set up automatic redemption at a set time each calendar year or when you reach a particular dollar amount in cash-back rewards.

The Spark Classic for Business* also gives business owners access to Capital One business benefits. These account management tools help you streamline accounting by letting you choose your due date, view recurring transactions and download purchase records to Quicken®, QuickBooks® and Excel®. The card also comes with extended warranty and price protection and auto rental damage waiver.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best small business credit cards for shipping.

To determine which business cards offer the best value, CNBC Select analyzed 21 of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is to redeem points.

The main criteria in our ranking were the rewards rates and added benefits, such as redemption bonuses, insurance coverage and expense management features. The more perks a card had, the higher it ranked on our list.

Co-branded business cards, such as airline or hotel-specific cards, did not make our final list due to their often complex reward systems and potential to limit your travel options to a specific brand.

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

* Information about the Capital One Spark Classic for Business has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.