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Business Credit CardsTips

Having a business credit card can be a good idea for both small and large businesses. If you’re weighing your options for funding your startup, or just need some extra funds for a business purchase, getting a business credit card can be a great way of doing so.

Business credit cards can offer your business many advantages, and with the latest banking technology it is easier than ever to keep track of spending and payment dates. If you are running a small business, benefits of having a business credit card include:

  • Gain rewards for business travel
  • Aid in credibility with vendors
  • Improve business credit score

Business vs. Personal Credit Cards

When it comes to your business finances - from your bank account debit card to your major credit cards - it’s very important that you keep your personal finances separate from your business. Mixing the two could put both your business funds, personal property and all funds, at risk. 

Even if your personal accounts are in the red, it is essential that you keep your business protected from personal spending. Some important tips to keep in mind:

  • Establish a business checking account as well a business credit card, and limit your use of those accounts solely to business purchases.
  • Keep all spending separate - when it comes time for an audit or taxes, this makes your life much easier and keeps the lines clear.

Don't forget to sign up for your business checking account with one of our qualified vendors.

Risks and Benefits of a Business Credit Card

In today’s economy, it is almost essential to have at least one credit card. Business credit cards are offered by a variety of financial sources, and can offer perks such as travel miles or rewards points.

Check out our Buyer’s Guide for Tips on Choosing The Right Business Credit Card.

Advantages:

Business credit cards can help you to establish a solid business credit history, which can help you to get bank loans or financing later on – especially if you have a long history of on-time payments.

Making consistent payments is easier than ever with features like online and mobile banking; Not to mention, you can access your accounts via your mobile device and set up email and SMS alerts to remind you to pay your monthly bill.

Risks:

Though sign-up offers may be alluring, be sure not to open too many cards at once or to charge more than you can handle paying each month. Making consistently late payments or missing them altogether can negatively affect your business credit score and make it difficult to obtain loans and financing. If you have enough cash flow to pay off your card balance every month, do it.

Business credit cards can be a great way to purchase important software or equipment, or to pay for necessary business expenses over the course of the month. These cards offer a variety of options and benefits depending on the company, so be sure to find one that best suits your business’ needs.

Don’t forget to stop by and checkout our small business loan vendors, as well.