Manage My Business Credit

  • CreditBuilder™: Add good payment history to impact your D&B® scores
  • CreditMonitor™: Monitor your credit file in real time with detailed info about changes to your D&B scores
  • CreditSignal®: Receive free alerts to changes in your D&B business credit file

Manage My Business Credit For Me

Monitor Another Company's Credit

Not sure which product is right for your business?

Our Credit Advisors are standing by

to assess your needs and help point
you in the right direction.

Call Today Call 800-700-2733


Ask about our Concierge service.

Business Directory

Business Services

  • VERIFIED™: Get your business data VERIFIED™ to help protect your business identity online
  • Business Shield: Helps protect your company by alerting you to potential warning signs of business identity theft
Help manage your
business identity and
reputation


Let us distribute your VERIFIED
information
to up to 90% of US
consumers searching online.

Call Today Call Today! 800-700-2733

Sign up for FREE today!
Help protect your business identity against inaccuracies and business misrepresentation online and across social media properties
Get it now text

Enterprise Solutions

If your company is looking for a custom enterprise data solution, contact us at
1-800-264-0947 or businessdevelopment@dandb.com
Lead Advisor
Better Data, Better Results
Whether you're a list professional or a first-time marketer, our lead experts will work with you to help you target, segment, and select the list most likely to work for you. Learn More.
Call today 1-855-455-8039

Free D-U-N-S Services

Expedited D-U-N-S Services

  • Small Business Starter™: Promote your business online and get an expedited D-U-N-S and business credit file
  • DUNSFile™: Get a D-U-N-S and basic business credit file in 5 business days or less
Company Update
Update your company info today. It's free!
Review and update your existing D&B® credit report, dispute inaccuracies, add financial statements, and review public filings.

Don't have a D&B report? Get your FREE
D&B D-U-N-S now.
Get Started

6 Reasons Why Your Business Needs Its Own Credit Card

A Business Credit Card Does More Than Build Credit

Cloud ReflectionWhen it comes to building business credit, obtaining a business credit card is often the first thing an entrepreneur will try to do. In doing so, they would be making a smart choice. But, as important as a credit card is for establishing business credit, this simple piece of plastic offers a wide range of valuable benefits to a business. In fact, here are six reasons (besides building credit) why every business should have its own business credit card.

#1 – Higher Credit Limit

Business credit cards come with significantly higher credit limits than consumer cards. This can not only help improve a company’s monthly cash flow, but it can also provide an entrepreneur with a large enough line of credit to make the expensive purchases that are often necessary in order for a business to operate.

#2 – Easy Expense Tracking

Most business credit accounts provide expense reports that make it much easier to track expenses and spending. Expenses are often broken down into categories, making it easier for a business owner to monitor the company’s spending in a specific area. Some lenders even make their reports available for importing into some of the most popular accounting and tax preparation software programs.

#3 – Insurance Protection Benefits

Some business credit cards come with travel and/or auto rental insurance policies built into the account’s benefits package. This can be a very valuable and beneficial extra layer of protection for a business if it requires employees to travel extensively.

#4 – Credit Cards for Employees

If a business has multiple employees who are authorized to make purchases, then a business credit card account will allow the owner to issue each employee their own credit card. Issuing employee credit cards to trusted employees can help increase a business’s credibility while making it easier to monitor individual spending and manage travel reimbursements. Pre-set spending limits can also be placed on the cards for controlling expenses.

#5 – Cardholder Perks

Some business credit cards offer value-packed cardholder perks that can make it so much more enjoyable to travel or to conduct business. From select airport lounge memberships to hotel concierge services, many of these perks can add a level of luxury and prestige to a business owner’s experience.

#6 – Business Credit Card Reward Programs

Business credit cards almost always have some type of reward program attached to them. These can include frequent flier miles, discounts on travel expenses like hotel rooms, car rentals, and air fare, office supply discounts, and cash-back rebates.

When choosing a business credit card for your company, it is important to understand which reward programs your company can benefit from most, as these programs can help your company save a substantial amount of money. You also need to weigh the potential rewards versus the card’s annual fee and interest rate, as these can be somewhat higher on reward cards than credit cards without reward programs.

Photo Credit: Kool Cats Photography, Flickr. 

Dave Donovan

Author:

Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.