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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


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