Credit Cards for Businesses

A small business credit card can be a good choice if you're looking to finance your business using revolving credit. Unlike traditional lines of credit, these cards give you the flexibility on monthly payments (minimum payments vs full balance vs something else). Some of these cards may also provide cash-back rewards on typical office purchases. Click on the images below to get specific advice on business credit cards from our experts.

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  • How to choose the right card?

    What to Avoid

    What To Avoid When Applying

    As a business credit card user, you should avoid paying for more credit card features and benefits than you will actually need. There are many business cards with annual fees of around $100, but most of these cards are designed to provide travel benefits to cardholders. Alternatively, there are business cards with little or no annual fee that are more ideally suited to business card users who don't travel often. In addition, many of these travel rewards business credit cards have higher interest rates than similar cards that do not offer rewards. Finally, if you are a business cardholder who is also a sole proprietor, then you should realize that each statement balance will be reported as personal debt to the major consumer credit bureaus, which is not the case for businesses that have been incorporated. Your credit card balances, even if paid in full every month, can affect your personal credit scores, so keep that in mind before opening a business credit card in your name if you're a sole proprietor.
    What to Look For

    What To Look For When Applying

    Business credit cards exist so that cardholders can separate their business and personal expenses as well to offer additional features useful to business owners. For example, business credit cards may offer authorized credit cards for employees at no additional charge. These cards can include features such as alerts and spending limits to help business card owners keep track of employee use. In addition, business credit cards can offer other benefits for business owners such as airport lounge access and increased limits or purchase protection policies. Finally, if you are a business cardholder who pays your statement balances in full each month, then you should consider a card that will help you earn some rewards for your spending such as airline miles, hotel points or cash-back bonuses.
    Apply for More than one?

    Should You Apply For More Than One?

    There are some reasons why business owners may want more than one credit card, just like personal credit card users. For example, you may want to use different credit cards that offer different rewards and benefits such as airline and hotel rewards credit cards. In addition, some business credit cards will offer lower interest rates and promotional offers that can be more suited to times when companies need to carry a balance.

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** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.Lenders may use different score models and you may not have the same score.

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