Credit Card Business for Small Businesses – Apply Now
A business credit card is for business only. Any business owner can apply, even if you’re working alone. They are not for personal use. They are especially helpful for startups who have gotten some funding. This helps them manage costs using a set credit limit.
Key Takeaways
- Business credit cards are available to any business owner, including independent contractors and sole proprietors.
- Small business credit cards can provide additional capital for startups to cover expenses like licenses, permits, research, and technology.
- Business credit cards offer reward points or miles for common business expenses like food, travel, and gas.
- Using a business credit card can help separate personal and business finances, making tax filing easier and contributing to building a business credit score.
- When choosing a business credit card, businesses should consider their monthly and annual expenses to select the best benefits.
What is a Business Credit Card?
A business credit card lets a company borrow money for purchases. It’s for business expenses only. Any business owner, even small businesses, can get one. They work like personal credit cards but are meant for business needs. You get a fixed amount to spend based on your credit score.
Revolving Line of Credit for Business Expenses
They offer money for many business needs like office supplies or travel. This helps companies access funds without relying only on their own money. It’s a flexible way to finance and grow a business.
Separating Personal and Business Finances
Using a business credit card keeps personal and business spending apart. This makes it easier to track spending and tax deductions. It simplifies record-keeping and financial reporting for the business.
F12
Building Business Credit History
Responsibly using a business card boosts your business credit score. This is important for getting more credit down the road, even if your personal credit score isn’t great. It helps your business get better loan terms and more financing options.
Benefits of a Business Credit Card for Startups
Small business credit cards are a huge help for startups needing funds. They offer extra money for various business needs. This includes everything from office supplies to payroll.
These cards allow startups to give their employees their own cards too. This stops the hassle of paying back personal expenses. It also makes spotting and dealing with fraud easier. Moreover, they come with tools for tracking and managing expenses.
Access to Capital
Budding companies benefit greatly from the funds a business credit card provides. It allows them to buy what they need for business without draining their savings. For essential expenses, like [access to capital for startups], they don’t need to rely just on their own money.
F12
Expense Tracking and Management
Startups can keep costs in check with the help of business credit cards. They provide detailed spending reports and separate transactions by category. This helps find areas where they can save. It also aids in better financial decision-making and keeps an eye on cash flow.
Employee Spending Controls
Business credit cards are a great tool for controlling how company money is spent. They allow startups to issue cards with set spending limits. This makes it easy to keep track of who spends what. It ensures that company funds are used properly and simplifies expenses.
| Card | Welcome Bonus | Annual Fee | Credit Score | APR |
|---|---|---|---|---|
| The Business Platinum Card® from American Express | 150,000 points | $695 | Good to Excellent | 19.49% – 28.49% Variable |
| Ink Business Premier® Credit Card | $1,000 cash back | $195 | Good/Excellent | 19.49% – 27.49% Flex for Business variable |
| Blue Business® Plus Credit Card from American Express | 15,000 points | No annual fee | Excellent/Good | 18.49% – 26.49% Variable |
Choosing the Right Business Credit Card
To pick the best business credit card, look at what your company spends money on. Think about the bonus offers, rewards, fees, and interest rates. Choose a card that fits your company’s financial needs well.
Analyze Business Expenses
Examine your business’s spending from the last few months. This shows you where most of your money goes. You can then pick a business credit card that gives rewards for these types of purchases.
F12
This will ensure you get the best bonus offers and rewards for your spending habits.
Consider Bonus Offers and Rewards
Many business credit cards have great sign-up bonuses or rewards at the start. It’s key to check these out when looking at different cards. Also, see if the ongoing rewards match your spending, like getting cash back on office supplies.
Evaluate Fees and Interest Rates
Don’t forget to look at a card’s fees and interest rates. Some have high annual fees but great benefits. Others might have no annual fee but less to offer.
Also, see the card’s APR and if there’s an interest-free period. This helps you choose one that won’t cost your business too much.
F12
How to Apply for a Business Credit Card
To get approved for a business credit card, a strong personal credit score is needed. You also need a steady personal or business income to show you can pay your bill. Firstly, look into different business credit cards. Think about what perks, bonuses, and rewards they offer.
Research Your Options
Look at business credit card options that match your business needs. This could be cash back rewards, travel perks, or low interest rates. Compare things like annual fees, new customer offers, and long-term benefits to pick the right card for you.
Check Your Personal Credit Score
Lenders will check your personal credit history when you apply. So, review your score first. Aiming for a score of 700 or more will help your chances.
Gather Required Information
Before applying, prepare the required information for your business credit card. You’ll need your business’s name, address, phone number, and what type of business it is. Also, include your tax ID number, employee count, and yearly income. Having all this ready makes the application smoother.
F12
FAQ
What is a business credit card?
A business credit card is a type of credit for a business to use. It’s for any business owner, even if you’re self-employed. These cards are different from personal credit cards, which are meant for personal spending.
How do business credit cards work?
They work a lot like personal credit cards. You get a set credit limit you can use. This limit is based on your credit score.
What are the benefits of a business credit card for startups?
Startups find business credit cards very helpful. They get access to needed funds. Cards also help track spending and let you add employees to the account.
How do I choose the right business credit card for my business?
F12
Choosing the right card depends on your business’s finances. Look at your spending habits and decide what rewards are best for you. Also, check the card’s interest rates and fees.
What do I need to apply for a business credit card?
To apply, you’ll need a good credit score and proof you can pay bills. Have info about your business ready. This includes your business’s name, address, and more.
education license adobe
education week webinar
amex sba loans
credit card business
t mobile education
earnest parent loan
credit card consolidating
verizon education
admiralty law firm
health insurance insurance nib
nib helath insurance
inheritance advance loans
accident law lawyer
collectables insurance
adobe education discount
hsbc mortgage payments
oil law
tmobile education
loan star transfer
adobe premiere education
accident law attorney
bread financial education
collectable insurance
credit card process
plumbing north phoenix
online reverse mortgage
motorcycle accident laywer
adobe education licenser
amica insurance ri
define maritime law
ferguson plumbing seaside
samamish mortgage
collectible insurance
emergency plumber merriam
malpractice laywer
plumber 90025
plumbing services greenwood
plumber 85032
business loan today
flatley plumbing express
auto injury loan
fast loan business
reyes browne law
worker comp laywer
doctor laywer
law accident lawyer
inheritance loan companies
creative cloud educational
motto mortgage avalon
maritime abolty law
loan on inheritance
credit card cosolidation
oil laws
sparkbusiness credit card
finder business loans
fha rocket mortgage
bamberger law firm
tmobile educator discount
criminal laywer
ocrevus patient education
earnest private loans
military defense laywer
apply rocket mortgage
urgent business loan
bancroft law
rocket mortgage hours
preapproved va loan
paypal merchant loan
maritime law attorneys
pensacola plumbing service
maritime law attorney
plumbing newtown square
shipping laws
jones maritime law
better mortgage prequalification
emergency plumbing bellevue
credit card procesing
usc educational counseling
credit card consolidator
emergency plumbing puyallup
three insurance policy
collectible insurance companies
mortgage ally
inheritance + loans
plumbing crm software
shopify store loan
quicken loans workday
adobe suite education
rocket loans jobs
kane credit card
consolidate credit card
car accident laywer
three insurance companies
credit card consolodation
consolidation credit cards
educative coupons
three insurance reviews
adobe education price
angel reyes law
plumber newtown square
consolidated credit card
flatleys plumbing
student loans settlement
scaffold law
loan inheritance
aaa insurance philadelphia
adobe education account
aaa insurance tulsa
motto mortgage prosperity
comedy credit card
dog bite laywer
liechtenstein maritime law
ken nugent law
westpac mortgage calculator
sammammish mortgage
tmobile for education
americanexpress business loans
laywer website
adobe education plan
crowson law group
credit cards businesses
amex loans business
semi truck laws
amex merchant loans
adobe education licensing
humanity insurance company
adobe educators discount
sammamish mortgage reviews
boat insurance usaa
brain injury laywer
best plumber software
credit card prossesing
default loan rehabilitation
mo education jobs
emergency plumber scottsdale
3 insurance company
three business insurance
plumbing google ads
settlement student loan
internship quicken loans
starbucks law suit
collectibles insurance
corp credit card
d.c. law
obie insurance services
plumbing services pensacola
michigan cycling laws
business fast loan
credit card processing
credit.card.consolidation
truck accident laws
maritime laws definition
business loan immediately
earnest loan deferment
credit.card consolidation
maritime laws
credit card processer
adobe creative education
insurance three
accident laywer
ship laws
kabuki education
michigan bicycle laws
tax laywer
earnest loan payment
define admiralty law
nib heath insurance
refinance rocket mortgage
jd plumbing durham
earnest private loan
car crash laws
insurance for collectibles
emergency plumbing shoreline
adobe education licenses
nib insurance health
emergency plumbing issaquah
plumbing service software
nalc credit card
amex sba loan
wellesley car insurance
plumber bala cynwyd
quicken loans intern
tremendous credit card
lendio business loans
emergency plumbing tacoma
plumbing business software
dwi laywer houston
nibs health insurance
naacp education fund
adobe cc educational
timeshare laywer
aaa insurance indianapolis
chase mortgage application
obie home insurance
reyes law firm
lavner education reviews
domingo garcia law
emergency plumber redmond
plumbing google adwords
insuring collectibles
emergency plumber meridian
auto injury laywer
verizon wireless education
earnest mba loan
hsbc pay mortgage
educative promo code
inheritance loan company
workers comp laywer
educator discount tmobile
prequalify rocket mortgage
maritime law firms
educative discount coupon
insurance lawyer arlington
habbas law reddit
adobe educator discount
emergency plumber kirkland
admiralty maritime law
education discount adobe
plumbing services software
sammamish mortgage
emergency plumbing mesa
motorcycle injury law
adobe educational license
prequalification rocket mortgage
ai credit cards
loans on inheritance
rocket mortgage/careers
reyes law
credit card processor
adobe educational pricing
credit cards processor
adobe educator
plumber scheduling software
emergency plumbing snohomish
dupixent credit card
emergency plumber littleton
mesothelioma insurance claims
three insurance commercial
quicken loans internships
obie insurance rating
credit card consolidations
flaxman law group
touchstone educational
preapproval va loan
credit card consolidation
rocket mortgage reddit
truck accident laywer
plumbing service greenwood
adobe education pricing
plumber business software
americanexpress business loan
credit card proccessing
business quick loan
humana insurance application
collect insure
three insurance berkshire
credit card processes
maritime law lawyer
maritime law definition
adobe educational licensing
earnest-private-loans
usaa boat insurance
obie insurance review
t-mobile education
rocket mortgage carrers
three insurance company
educative discount coupons
dallas injury law
credit card consildation
plumber lafayette hill
emergency plumber bellevue
amex merchant loan
consolidate credit cards
samammish mortgage
maritime law meaning
credit cards business
credit card.consolidation
michigan bike laws
earnest parent loans
ceba loan canada
compliance mortgage software
educative discount code
rocket mortgage fha
reyes brown law
dwi laywer
trucking law firm
business loan finder
creative cloud education
sammamish mortgage wa
plumbing bid programs
road accident law
adobe education plans
quicken loans interns
dui laywer
stax credit card
direct insurance alabama
bu distance education
trinet insurance providers
flaxman law
credit card processors
kanes credit card
rocket. mortgage careers
careers rocket mortgage
photoshop education discount
quick commercial loans
quickbooks plumbing software
mesothelioma laywer
touchstones education
plumbing company software
credit consolidation cards
rocket mortgage quote
collectibles insurance services
credit consolidation card
3rd insurance
defence laywer
plumbing scheduling software
rocket mortgage scandal
westpac loan calculator
credit cards processing
us maritime law
earnest loan calculator
accident law attorneys
education professional degree
reddit rocket mortgage
nbi health insurance
tmobile education discount
corpay credit card
humana insurance agency
collectible insurance services
immediate business loans
car wreck laywer
stealth credit card
car insurance wellesley
credit card procesor
credit card consolidators
injury law houston
newtown square plumber
plumber fishtown
plumber service greenwood
va mortgage preapproval
immediate business loan
inheritance advance loan
insurance claim laywer
amica insurance westborough
expensify credit card
dalton education
amex kabbage loan
plumbing software programs
adobe educational discount
shortterm business loans
three berkshire insurance
law hustle
construction law specialist
mcic insurance ri
emergency plumber issaquah
3 insurance
quicken loans internship
adobe suite educational
online class education
american maritime law
lendio business loan
reyes law office
emergency plumbing kirkland
aaa insurance headquarters
usaa bundle insurance
marine law definition
touch stone education
motto mortgage lakecrest
auto accident laywer
obie insurance company
adobe educational plan
usaa mortgage application
atu credit card
nib medical insurance
warp speed mortgage
settle student loan
plumbing billing software
credit card conolidation
business loan asap
flatley’s plumbing
rocket mortgage prequalify
lavner education ein
consolidation credit card
plumber north phoenix
maritime law firm
ma homeowners insurance
adobe lightroom education
top 3 insurance
usaa prequalify mortgage
allied plumbing wenatchee
three insurance review
collectibles insurance company
adobe education version
hsbc mortgage payment
pensacola plumbing services
three commercial insurance
car crash law
credit card consoladation
service plumbing software
ship law
h20 maestro plumbing
sammamish mortgage review
photoshop educational version
construction law specialists
flatley plumbing
plumbing contractor software
quick loan business
plumber service softwareeducation license adobe
education week webinar
amex sba loans
credit card business
t mobile education
earnest parent loan
credit card consolidating
verizon education
admiralty law firm
health insurance insurance nib
nib helath insurance
inheritance advance loans
accident law lawyer
collectables insurance
adobe education discount
hsbc mortgage payments
oil law
tmobile education
loan star transfer
adobe premiere education
accident law attorney
bread financial education
collectable insurance
credit card process
plumbing north phoenix
online reverse mortgage
motorcycle accident laywer
adobe education licenser
amica insurance ri
define maritime law
ferguson plumbing seaside
samamish mortgage
collectible insurance
emergency plumber merriam
malpractice laywer
plumber 90025
plumbing services greenwood
plumber 85032
business loan today
flatley plumbing express
auto injury loan
fast loan business
reyes browne law
worker comp laywer
doctor laywer
law accident lawyer
inheritance loan companies
creative cloud educational
motto mortgage avalon
maritime abolty law
loan on inheritance
credit card cosolidation
oil laws
sparkbusiness credit card
finder business loans
fha rocket mortgage
bamberger law firm
tmobile educator discount
criminal laywer
ocrevus patient education
earnest private loans
military defense laywer
apply rocket mortgage
urgent business loan
bancroft law
rocket mortgage hours
preapproved va loan
paypal merchant loan
maritime law attorneys
pensacola plumbing service
maritime law attorney
plumbing newtown square
shipping laws
jones maritime law
better mortgage prequalification
emergency plumbing bellevue
credit card procesing
usc educational counseling
credit card consolidator
emergency plumbing puyallup
three insurance policy
collectible insurance companies
mortgage ally
inheritance + loans
plumbing crm software
shopify store loan
quicken loans workday
adobe suite education
rocket loans jobs
kane credit card
consolidate credit card
car accident laywer
three insurance companies
credit card consolodation
consolidation credit cards
educative coupons
three insurance reviews
adobe education price
angel reyes law
plumber newtown square
consolidated credit card
flatleys plumbing
student loans settlement
scaffold law
loan inheritance
aaa insurance philadelphia
adobe education account
aaa insurance tulsa
motto mortgage prosperity
comedy credit card
dog bite laywer
liechtenstein maritime law
ken nugent law
westpac mortgage calculator
sammammish mortgage
tmobile for education
americanexpress business loans
laywer website
adobe education plan
crowson law group
credit cards businesses
amex loans business
semi truck laws
amex merchant loans
adobe education licensing
humanity insurance company
adobe educators discount
sammamish mortgage reviews
boat insurance usaa
brain injury laywer
best plumber software
credit card prossesing
default loan rehabilitation
mo education jobs
emergency plumber scottsdale
3 insurance company
three business insurance
plumbing google ads
settlement student loan
internship quicken loans
starbucks law suit
collectibles insurance
corp credit card
d.c. law
obie insurance services
plumbing services pensacola
michigan cycling laws
business fast loan
credit card processing
credit.card.consolidation
truck accident laws
maritime laws definition
business loan immediately
earnest loan deferment
credit.card consolidation
maritime laws
credit card processer
adobe creative education
insurance three
accident laywer
ship laws
kabuki education
michigan bicycle laws
tax laywer
earnest loan payment
define admiralty law
nib heath insurance
refinance rocket mortgage
jd plumbing durham
earnest private loan
car crash laws
insurance for collectibles
emergency plumbing shoreline
adobe education licenses
nib insurance health
emergency plumbing issaquah
plumbing service software
nalc credit card
amex sba loan
wellesley car insurance
plumber bala cynwyd
quicken loans intern
tremendous credit card
lendio business loans
emergency plumbing tacoma
plumbing business software
dwi laywer houston
nibs health insurance
naacp education fund
adobe cc educational
timeshare laywer
aaa insurance indianapolis
chase mortgage application
obie home insurance
reyes law firm
lavner education reviews
domingo garcia law
emergency plumber redmond
plumbing google adwords
insuring collectibles
emergency plumber meridian
auto injury laywer
verizon wireless education
earnest mba loan
hsbc pay mortgage
educative promo code
inheritance loan company
workers comp laywer
educator discount tmobile
prequalify rocket mortgage
maritime law firms
educative discount coupon
insurance lawyer arlington
habbas law reddit
adobe educator discount
emergency plumber kirkland
admiralty maritime law
education discount adobe
plumbing services software
sammamish mortgage
emergency plumbing mesa
motorcycle injury law
adobe educational license
prequalification rocket mortgage
ai credit cards
loans on inheritance
rocket mortgage/careers
reyes law
credit card processor
adobe educational pricing
credit cards processor
adobe educator
plumber scheduling software
emergency plumbing snohomish
dupixent credit card
emergency plumber littleton
mesothelioma insurance claims
three insurance commercial
quicken loans internships
obie insurance rating
credit card consolidations
flaxman law group
touchstone educational
preapproval va loan
credit card consolidation
rocket mortgage reddit
truck accident laywer
plumbing service greenwood
adobe education pricing
plumber business software
americanexpress business loan
credit card proccessing
business quick loan
humana insurance application
collect insure
three insurance berkshire
credit card processes
maritime law lawyer
maritime law definition
adobe educational licensing
earnest-private-loans
usaa boat insurance
obie insurance review
t-mobile education
rocket mortgage carrers
three insurance company
educative discount coupons
dallas injury law
credit card consildation
plumber lafayette hill
emergency plumber bellevue
amex merchant loan
consolidate credit cards
samammish mortgage
maritime law meaning
credit cards business
credit card.consolidation
michigan bike laws
earnest parent loans
ceba loan canada
compliance mortgage software
educative discount code
rocket mortgage fha
reyes brown law
dwi laywer
trucking law firm
business loan finder
creative cloud education
sammamish mortgage wa
plumbing bid programs
road accident law
adobe education plans
quicken loans interns
dui laywer
stax credit card
direct insurance alabama
bu distance education
trinet insurance providers
flaxman law
credit card processors
kanes credit card
rocket. mortgage careers
careers rocket mortgage
photoshop education discount
quick commercial loans
quickbooks plumbing software
mesothelioma laywer
touchstones education
plumbing company software
credit consolidation cards
rocket mortgage quote
collectibles insurance services
credit consolidation card
3rd insurance
defence laywer
plumbing scheduling software
rocket mortgage scandal
westpac loan calculator
credit cards processing
us maritime law
earnest loan calculator
accident law attorneys
education professional degree
reddit rocket mortgage
nbi health insurance
tmobile education discount
corpay credit card
humana insurance agency
collectible insurance services
immediate business loans
car wreck laywer
stealth credit card
car insurance wellesley
credit card procesor
credit card consolidators
injury law houston
newtown square plumber
plumber fishtown
plumber service greenwood
va mortgage preapproval
immediate business loan
inheritance advance loan
insurance claim laywer
amica insurance westborough
expensify credit card
dalton education
amex kabbage loan
plumbing software programs
adobe educational discount
shortterm business loans
three berkshire insurance
law hustle
construction law specialist
mcic insurance ri
emergency plumber issaquah
3 insurance
quicken loans internship
adobe suite educational
online class education
american maritime law
lendio business loan
reyes law office
emergency plumbing kirkland
aaa insurance headquarters
usaa bundle insurance
marine law definition
touch stone education
motto mortgage lakecrest
auto accident laywer
obie insurance company
adobe educational plan
usaa mortgage application
atu credit card
nib medical insurance
warp speed mortgage
settle student loan
plumbing billing software
credit card conolidation
business loan asap
flatley’s plumbing
rocket mortgage prequalify
lavner education ein
consolidation credit card
plumber north phoenix
maritime law firm
ma homeowners insurance
adobe lightroom education
top 3 insurance
usaa prequalify mortgage
allied plumbing wenatchee
three insurance review
collectibles insurance company
adobe education version
hsbc mortgage payment
pensacola plumbing services
three commercial insurance
car crash law
credit card consoladation
service plumbing software
ship law
h20 maestro plumbing
sammamish mortgage review
photoshop educational version
construction law specialists
flatley plumbing
plumbing contractor software
quick loan business
plumber service software
