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Business Credit Cards
Business Loans

Small Business Credit Cards

Business credit cards can be a vital tool for managing your business expenses and cash flow. They offer flexibility, ease of tracking expenses, and rewards that can benefit your business.

  • Easy monthly payments

  • Based on good credit history

  • Interest rates from 10% to 24% APR

  • Available online and from financial institutions

Why Have a Business Credit Card?

Business credit cards are available to business owners at any stage and can be crucial in establishing or improving business credit. They simplify payment processes, offer fraud protection, and provide detailed statements for record-keeping. Rewards and benefits like cashback, discounts, and extended warranties can also be advantageous.

Quick and Easy Payments

Using a business credit card can streamline your payment processes, making it simpler and faster to handle transactions.

Building Business Credit

Responsible use of a business credit card can help build your business credit score, opening doors to better financing options in the future.

"A business credit card can be a valuable tool for managing expenses, improving cash flow, and earning rewards."

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Maintaining a separate business credit card can protect your personal credit and help manage your business finances more effectively.

Choosing a Business Credit Card

When selecting a business credit card, consider factors such as annual fees, interest rates, rewards, and the card issuer's reporting practices. Ensure the card you choose meets your business needs and is accepted by your regular vendors.

Annual Fees

Annual fees can range from $0 to several hundred dollars. Choose a card with fees that match the benefits it offers.

Interest Rates

Interest rates can vary widely. Look for introductory offers and be aware of how rates may change based on your payment history.

Rewards

Many business credit cards offer rewards like cashback, points, or travel benefits. Select a card that offers rewards relevant to your business spending.

Issuer Reporting

Check if the card issuer reports to major credit bureaus to help build your business credit.

Employee Cards

Some cards allow you to issue cards to employees, making it easier to track and manage their expenses.

Foreign Transaction Fees

If you travel internationally, consider a card with low or no foreign transaction fees.

How to Apply

Applying for a business credit card is similar to applying for a personal credit card. You'll need to provide documentation about your business, including your Employer Identification Number (EIN) if applicable. Be prepared to disclose information about any business partners who own more than 25% of the business.

  • Simplifies expense tracking

    Keep personal and business expenses separate with a dedicated business credit card.

  • Provides financial flexibility

    Access to a credit line can help manage cash flow and cover unexpected expenses.

  • Offers valuable rewards

    Earn rewards and benefits that can save your business money and provide additional perks.

  • Builds business credit

    Use your business credit card responsibly to establish and improve your business credit score.