Businesses | Credit Card Topics | CardRates.com

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

By: Erica Sandberg, 2/24/2022

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 personal... read more »

How to Get a Business Credit Card in 2023

By: Marcie Geffner, 1/13/2022

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 »

Webexpenses Earns Recognition for its Innovative Company Credit Card Management Solutions

By: Jon McDonald, 1/4/2022

In a Nutshell: Webexpenses is a digital business expenses and payment platform designed to accommodate the needs of modern businesses and employees. It replaces legacy credit and card expense systems with a fast, intuitive, all-digital processing workflow. Onboarding with Webexpenses is quick and customized to company needs. The platform has allowed many organizations to adapt to predominantly remote operations, and positions them to address emerging challenges. For its commitment to... read more »

Kruze Consulting Helps Venture-Backed Startups Understand and Use Credit

By: Adam West, 11/8/2021

In a Nutshell: While venture-backed entrepreneurs may have the capital to scale their startups, they may not know how to manage those funds efficiently. Kruze Consulting helps startups set themselves up for success by establishing a solid foundation in financial technology, credit, and venture debt, if necessary. Kruze assigns each startup a designated case manager who serves as a consistent point of contact and works to meet specific needs. Its services help economize startup finances... read more »

Rho Offers Growing Businesses a One-Stop Platform For Cards, Banking, and Accounts Payable

By: Jon McDonald, 10/27/2021

In a Nutshell: Rho is a modern business banking solution that lets companies view their banking, accounts payable, and corporate cards on one platform. It also offers virtual and physical corporate cards that allow companies to move between flex and float spending. Rho has altered its underwriting process so its team has a more holistic perspective on how much credit it can safely offer companies. The team behind Rho, a business banking platform, identified a pain point for... read more »

Billd Credit Solutions Help Construction Contractors Boost Efficiency By Improving Control and Cash Flow

By: Adam West, 9/28/2021

In a Nutshell: Construction subcontractors are generally not in the driver's seat when it comes to cash flow and credit access. They're responsible for procuring materials and labor upfront and often have to wait 90 days or longer for payment. Financing from Billd bridges that gap by providing lines of financing with 120-day terms. The additional flexibility helps everyone on a project, including suppliers, receive payment on time. And that, in turn, helps contractors strengthen their... read more »

Emburse Physical and Virtual Cards Help SMBs and Enterprises Automate Expense Management

By: Adam West, 8/25/2021

In a Nutshell: Employees often have to wait a long time for businesses to reimburse their credit card expenses. Meanwhile, corporate teams may struggle to enforce employee spending policies and control overhead. That's why Emburse offers physical and virtual cards that operate within a payments ecosystem aimed at helping businesses boost efficiency and leverage insights from their spending. Emburse automates expense management and accounts payable so companies can focus on the big... read more »

The SuperSaaS Online Booking System Integrates Card Payments and Promotions for Appointment-Based SMBs

By: Adam West, 7/29/2021

In a Nutshell: For small service-based firms, managing appointments and reservations can be a complex process that can delay customer acquisition and business development. The SuperSaaS online bookings system simplifies schedule management from the smallest startups to enterprise firms and is versatile enough to scale to thousands of users. Nearly 200,000 users worldwide trust SuperSaaS to integrate scheduling with card payments, discounts, and promotions on an affordable platform that... read more »

How Talkdesk Helps Banks and Credit Unions Provide Better Customer Experiences Across Channels

By: Matt Walker, 7/21/2021

In a Nutshell: Customer satisfaction is crucial to the success of companies, no matter what industry they are in. But spending valuable time and money on building and maintaining customer service solutions isn’t always feasible for businesses. Talkdesk provides a platform suited for today’s digital world, with customer service solutions suitable for any modern channel. It also offers industry-specific solutions, such as its products aimed at banks and credit unions. Talkdesk... read more »

Drip Capital: Credit Solutions That Energize Cross-Border Trade Through Healthier Cash Flow for Buyers and Sellers

By: Adam West, 6/18/2021

In a Nutshell: When small businesses struggle to gain access to capital, profits and growth often suffer. Companies that trade internationally may face additional hurdles from financial institutions and intermediaries. Drip Capital offers credit solutions that draw on global supply chain data to give both buyers and sellers the financial tools they need to thrive. Invoice discounting and payables financing solutions from Drip Capital promote healthier cash flow for importers and... read more »

Best Credit Cards With Employee Spending Limits of 2023

By: Choncé Maddox, 6/10/2021

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 »

Pitney Bowes Provides Credit and Investment Services That Add Value to Its Primary Business Logistics Product Line

By: Adam West, 5/10/2021

In a Nutshell: Pitney Bowes provides business logistics and analytics services that drive digital transformation and ecommerce for more than 750,000 customers — mostly SMBs. When many of the company’s long-time clients began to report unmet financial needs, the company added credit and capital products to meet that demand. Pitney Bowes continues to help its customers succeed by investing in them and even adjusting its business model to meet their capital needs. Pitney Bowes has... read more »

Wave Financial Software Offers Easy Credit Card Payment Features and Other Tools for SMB Owners

By: Adam West, 4/12/2021

In a Nutshell: Wave is an all-in-one software solution that helps small businesses invoice customers and collect fees, including credit card payments. It also provides updates and reminders to both the business owner and the customer, ensuring payments don't get lost in the shuffle. Businesses have access to Wave Money, an integrated bank account that simplifies and speeds up payments, payroll, and related financial activities. The platform includes one-click tax filing through H&R... read more »

Best Flat Rate Cash Back Credit Cards of 2023

By: Adam West, 3/18/2021

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 »

12 Best Business Credit Card Sign-Up Bonuses For 2023

By: Adam West, 3/9/2021

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 »

GovSpend Connects Businesses with Purchase Card-Equipped Agency Professionals Spending $20+ Billion a Day

By: Adam West, 2/11/2021

In a Nutshell: U.S. government agencies and professionals with government-issued purchasing cards spend upwards of $20 billion every day to implement programs and initiatives. The GovSpend platform helps businesses of all sizes effectively target the massive market of 90,000-plus federal agencies and additional state and local governments. GovSpend operates a searchable database, painstakingly constructed from public purchasing records, that opens opportunities for businesses and makes... read more »

Vend’s Cloud-Based POS Systems Facilitate Credit Card and Other Payments Around the World

By: Matt Walker, 1/7/2021

In a Nutshell: While it’s often not obvious when you swipe your credit card at a retail store, a whole host of interactions take place from different companies to make the purchase possible. Vend plays a crucial role in this process with its innovative, cloud-based point-of-sale (POS) solution. The company’s platform provides businesses with a fast and easy-to-use POS. And it also gives customers inventory management capabilities, scalability, omnichannel functionality, real-time... read more »

Air Miles Credit Cards for Business in 2023

By: Eric Bank, 12/17/2020

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 »

Cash Back Credit Cards for Business Owners in 2023

By: Ashley Dull, 12/9/2020

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 »

The U.S. Small Business Administration Connects Entrepreneurs with Tools and Credit Resources

By: Adam West, 11/24/2020

In a Nutshell: Since 1953, the U.S. Small Business Administration (SBA) has played a vital role in assuring American economic success. The SBA offers counseling and training services that guide founders, entrepreneurs, and owners to develop viable business models. It also matches them with guaranteed loan programs that fund startups and expansions. The agency’s microloan program stands ready to help financially challenged entrepreneurs build and repair their credit through loans as... read more »

Best Business Credit Cards With (& Without) a Personal Guarantee

By: Brittney Mayer, 11/2/2020

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 »

18 Best Corporate Credit Cards

By: Brittney Mayer, 10/29/2020

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 »

How Businesses in Florida are Handling the COVID-19 Pandemic, including Securing Loans and Business Credit

By: Matt Walker, 9/8/2020

In a Nutshell: The COVID-19 pandemic has impacted the bottom lines of businesses around the country, including Florida's tourism-dependent commerce. We spoke with Bill Burnham from the Florida Small Business Development Center (SBDC) at the University of South Florida Muma College of Business to learn just how Florida businesses have been affected by the pandemic and what resources are available to them. Burnham discussed federal programs, including the Paycheck Protection Program and... read more »

Startup Istanbul: Etohum’s Twice-a-Year Event Connects Entrepreneurs and Investors from Around the World in Turkey

By: Adam West, 8/11/2020

In a Nutshell: The Turkish city of Istanbul, situated near the Asia-Europe border, has long served as a gateway for global exchange. Since 2008, Startup Istanbul has fostered that connection for startups from around the world. Etohum, a leading Turkish accelerator and seed investor, organizes Startup Istanbul, an event that connects thousands of founders, investors, venture capitalists, and executives twice a year. The event offers coaching and networking opportunities and stages... read more »

Limelight Health Helps Streamline and Automate Sales and Underwriting for the Employee Benefits Industry

By: Matt Walker, 8/6/2020

In a Nutshell: Today’s employee benefits industry largely looks like yesterday’s employee benefits industry, according to Limelight Health. Companies are working with outdated infrastructure and often use between three and seven legacy systems that don’t always work well together. Limelight Health delivers modern solutions that boost turnaround times, reduce errors, and increase efficiency on multiple levels, allowing companies to focus on products and strategy. While it may seem... read more »

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