Business Credit Cards

A business credit card is often the first financing tool a small business owner uses — and for good reason. They are easy to qualify for, provide immediate purchasing power, and most offer rewards or cash back.

Used responsibly, a business card builds your business credit history and separates personal and business expenses. At 20-29% APR, carrying a balance will eat your margins fast.

What to Look for

Rewards structure. Match the card to your actual spending. The best cards offer elevated rewards on what you actually buy.

Welcome bonus. Most business cards offer $500 to $1,000 in signup bonuses — enough to offset months of expenses.

0% intro APR. Cards with 12 to 18 months of 0% interest are effectively free financing for large purchases paid off over time.