Businesses | Credit Card Topics

9 Best Business Credit Cards For LLCs (Aug. 2024)

By: Eric Bank, 8/13/2024

A cautionary tale about Joe, a new LLC owner. He was excited about his new business but also a little overwhelmed. One day, Joe was in an important meeting with a client, about to pay for dinner, and pulled out one of his daughter’s Pokémon trading cards instead of his personal credit card. Joe had to laugh, but that got him thinking. He soon realized that mixing his personal and business spending was neither smooth nor professional. So, he decided to get a business credit card.... read more »

7 Best Credit Cards for Farmers (Aug. 2024)

By: Ray Prince, 8/13/2024

Whether you are a new farmer with 20 acres or a seasoned agricultural veteran with hundreds of acres, the right credit card can offer tremendous rewards for your farming operation. Those may include flexible financing options and beneficial cash back programs. Continue reading to learn more about the top business cards for farmers, plus the benefits of using a credit card for farming supplies. We also cover the four farm credit funding banks and provide other helpful financing... read more »

8 Best 0% APR Business Credit Cards (2024)

By: Zina Kumok, 3/21/2024

When you’re an entrepreneur or small business owner, you need a credit card that understands that business revenue can fluctuate. That’s where a 0% intro APR credit card comes in. You can use these business credit cards to finance large purchases and skip interest fees while only making the minimum payment. But who wants to weed through all the credit card issuer websites to find which provide business credit cards with 0% APR? Don’t worry — we did the work for you. Read... read more »

6 Q&As About Business Credit Cards and Personal Guarantees

By: John Ulzheimer, 9/14/2023

According to the Small Business Administration (SBA), there are more than 33 million small businesses in the United States, and I’m proud to own and operate one of them. One of the things that many, if not most, small businesses must deal with is securing the funding necessary to open their doors for business. Most small business owners likely had to decide whether they were willing to sign personal guarantees on credit applications when starting their businesses. Here are... read more »

12 Best Personal Cards For Business Expenses (Oct. 2024)

By: Eric Bank, 10/1/2024

By law and custom, you can use your personal credit card to cover business expenses. Which begs the question: Should you? For many small business owners, the answer is yes. The Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act) of 2009 provides personal card users with legal protections that don’t apply to business cardholders. But business cards also offer advantages, including flexibility and free employee cards, an essential consideration if you... read more »

9 High-Limit Business Credit Cards (Aug. 2024)

By: Eric Bank, 8/13/2024

Business owners have little use for credit cards with puny spending limits. If buying a six-pack of paper clips exhausts your credit line, it’s time to move up to a card with a respectable credit limit. We’re happy to help you decide with this rundown of high-limit business credit cards. Each should be able to grant you a credit line of at least $5,000, and some can provide much higher limits. We also review a few American Express cards that do not have preset spending... read more »

8 Best Business Credit Cards for Startups (Aug. 2024)

By: Eric Bank, 8/13/2024

The US saw 5 million new business applications in 2022. The Small Business Administration predicts only half will survive beyond five years. If you are running or planning a startup, you’ll want to assemble every available tool for success. That’s why our review of the best business credit cards for startups is essential reading for startup owners considering ways to finance their fledgling businesses. Given the attrition rate, It’s not surprising that credit... read more »

Costco Business Credit Card: 5 Things to Know (2024)

By: Eric Bank, 7/12/2024

Some shoppers divide their lives into two eras: BC (before Costco) and ACE (after the Costco experience). There's no doubt that the first trip to Costco can transform the shopping habits of consumers. The Costco Anywhere Visa® Business Card by Citi serves small business owners who want to take advantage of economical bulk buying and low prices. We've assembled the critical facts for Costco-curious business people who have yet to discover the wonders of warehouse shopping with... read more »

Can I Use a Commercial Credit Card to Build Personal Credit?

By: John Ulzheimer, 11/28/2023

Opening a commercial credit card in your company's name has many benefits. Commercial cards, more commonly referred to as business credit cards, can provide convenience, help with cash flow, and sometimes even offer rewards or cash back on your everyday business purchases. And in some limited cases, business credit cards may also help you build personal credit. Here’s how. Corporate Cards vs. Small Business Cards There are two types of commercial credit card accounts... read more »

Business Credit Card Personal Guarantee: What It Is and Why Banks Require It

By: Erica Sandberg, 11/15/2023

One of the first steps you may want to take when starting your own business is to apply for a business credit card. With a business card, you can charge everything from startup costs to expenses associated with day-to-day operations. But the card’s issuing bank will consider several factors for qualification. In addition to the industry you’re in, the size and structure of your company, and the amount of revenue you’re bringing in, the issuer will usually require a... read more »

How to Get a Business Credit Card (Aug. 2024)

By: Marcie Geffner, 8/13/2024

Most people are familiar with personal credit cards. But many don't know that, if you own a business, you may also be able to get a business card. This type of card can be especially helpful for startups and small businesses that may struggle with cash flow and need financing to cover their expenses until they improve their profitability. In many respects, business cards and personal cards are similar. But there are important differences as well. You may get bigger signup bonuses,... read more »

9 Best Credit Cards for Employee Spending Limits (Aug. 2024)

By: Choncé Maddox, 8/13/2024

If your business is growing, you’ll want to consider some of the best credit cards with employee spending limits sooner or later. Allowing your employees to have a credit card for business purchases can take a lot of time and pressure off your plate. They can make necessary purchases without exceeding certain limitations according to your business's cash flow. Choosing a card that allows you to set a custom credit limit for each employee can help you maintain your business budget... read more »

9 Best Flat Rate Cash Back Credit Cards (2024)

By: Adam West, 1/25/2024

The best flat rate cash back credit cards take away the hassle of dealing with rotating categories, changing rewards rates, and difficult redemption processes. Instead, you can easily claim rebates for everyday purchases you make using your card. And with these flat rate cash back credit cards, you don’t have to worry about a bank capping your rewards earnings or having them disappear from your account. With unlimited rewards potential and no expiration date, these cards truly put... read more »

8 Business Credit Card Sign-Up Bonuses ($200 to $1250) – 2024

By: Adam West, 1/27/2024

Business credit card sign-up bonuses are a great way to earn cash and rewards points for doing nothing more than using your credit card. These bonus rewards pay out when you meet certain spending thresholds within the first few months after activating your new account. But not all sign-up bonuses are equal. Some pay rewards in points and others in cash, and some cards offer 0% financing for a period to help you finance large purchases interest-free. And that same large purchase will... read more »

9 Best Air Miles Credit Cards for Business (2024)

By: Eric Bank, 1/28/2024

If you run a business that requires frequent travel, you’ll want to read this review of the best air miles credit cards for business owners. Not only will these cards help you reduce your travel expenses, but they’ll also reward you for other purchases your business requires. And by adding key employees to your card, you can earn rewards much faster than going it alone. After sifting through reams of information, we’ve identified the following card as our top choice. Best... read more »

7 Best Cash Back Credit Cards for Business (2024)

By: Ashley Fricker, 1/24/2024

If you are an entrepreneur, the best cash back credit cards for business are like having a partner who lets you make all of the decisions and reap all of the rewards. Adding a cash back credit card to your wallet can help you recoup some money from all of the inevitable charges that make up your day-to-day operations. And, depending on how much you spend, the cash back you earn can go a long way toward boosting your bottom line. What's more, a cash back business credit card can help... read more »

7 Business Credit Cards With & Without Personal Guarantee (2024)

By: Brittney Mayer, 7/12/2024

Within the first year of business, roughly 20% of new small businesses will fail. Only about half of new businesses make it to the five-year mark -- and the rate drops down to about 30% for businesses that make it a decade or more. Given the odds, it makes sense for a credit card issuer to want a little security when it comes to handing out business credit; after all, chances are high that your company will fold within a few years. Hence, the personal guarantee required by many... read more »

5 Best Corporate Credit Cards (Aug. 2024)

By: Brittney Mayer, 8/13/2024

Although commonly thought of interchangeably, corporate credit cards are actually their own product distinct from the more prevalent business credit card. Essentially, corporate cards offer functionality specifically designed to meet the needs of large companies with hundreds of employees and robust revenue streams. But that's not to say there's no value in a regular business credit card, even at the corporate level. Determining whether your business needs a corporate credit card or... read more »

5 Steps to Apply for a Business Credit Card (2024)

By: Erica Sandberg, 1/25/2024

As the name implies, business credit cards are designed for your business needs rather than your personal expenses. Options are available to virtually all business owners, no matter the type of business you engage in or the size and structure of your venture. Business credit cards are even available to people who don’t have positive and established credit. Business cards allow you to keep your personal and business finances separate and build a business credit history that will be... read more »

6 Capital One® Business Credit Card Reviews

By: Matt Walker, 1/26/2024

We’ve all heard and have come to recognize the tagline “What’s in your wallet?” It’s as familiar as “Just do it,” “Got Milk?” and other famous slogans — and it’s worked to build Capital One into a credit card powerhouse. In fact, more than 89 million Capital One credit cards are carried in wallets around the world right now. That’s more cards than the combined populations of the three largest states in America. So, it’s no surprise that many businesses turn... read more »

12 Best Business Credit Cards for Travel (Aug. 2024)

By: Eric Bank, 8/13/2024

The right business credit card could save your company thousands each year. If travel is a big part of your business, a card that offers travel rewards will help you extract added value from your business expenses. Whether you are rewarded with miles or points, you should select a card that works well with the way you do business. Our experts have identified the best business credit cards for travel rewards. While we name five cards as the overall best for business travel, they may... read more »

6 Guaranteed Installment Loans for Bad Credit (2024)

By: Brittney Mayer, 7/25/2024

Few financial services companies will dare to use the term "guarantee" for, well, anything. There really are no guarantees in finance, and claiming to guarantee anything, like approval for a credit product, is simply asking for angry customers (and a potential lawsuit). In other words, the closest you'll get to a guaranteed installment loan is finding a lender with flexible credit requirements that specifically caters to those with bad credit. While every credit application comes... read more »

17 Best Credit Cards for Business Expenses (2024)

By: Ashley Fricker, 1/28/2024

Finding the best credit cards for business expenses is essential if -- as a business owner -- you want to do everything you can to maximize your bottom line by earning rewards. That's because running a business is expensive. No matter the size of your venture, you likely have some sort of overhead, even if it's only web hosting and internet costs. And as your business grows, so, too, will those ever-present expenses. With a good rewards credit card, however, you can get a little more... read more »

Chase’s Ink Business Cash® Credit Card: Review & Alternatives (2024)

By: Brittney Mayer, 3/21/2024

Though many likely think of wealthy Fortune 500 CEOs when they hear the words "business owner," the vast majority of businesses are not major corporations. In fact, 99.7% of all US businesses are small businesses — almost half of which are home-based businesses. Despite this contrast, it can sometimes seem that the majority of business credit products are aimed at the heavy hitters, rather than the everyday small business. When you're working out of a home office, who wants to pay a... read more »

Ink Business Preferred® Credit Card: Review & Alternatives (2024)

By: Adam West, 1/25/2024

Once limited to boring charge cards and reserved for big businesses, the modern business credit card is now as varied and feature-packed as any consumer card on the market. Business credit cards come with rewards of all types, from cash back to miles and all the points in between, and a host of benefits that may make both your business and personal lives easier. Easily competing for a top place among the best small business rewards credit cards is the Ink Business Preferred® Credit... read more »

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All articles tagged Businesses (31)