KEEP 'EM SEPARATED: "One of the best reasons for having a small-business card is, first and foremost, to start to separate your personal and your business expenses," says Laura Miller, president of Ink at JPMorgan Chase, which is trying to challenge American Express in the business credit card market.

Amex's Dominance in Small Business Cards Gets New Challenge

JPMorgan Chase and Capital One are among the issuers wooing business owners besides longtime player American Express. Their enticements include generous rewards and convenient expense management tools.

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