How to Choose the Right Business Credit Card: 5 Types

January 28, 2025 By Marco Carbajo

How to Choose the Right Business Credit Card

As a business owner, the financial choices you make can have a big impact on your company’s success. Whether you’re managing a startup or overseeing a well-established business, a business credit card can be an essential tool. It can help streamline expenses, build business credit, and even offer all types of rewards. But with a large choice of options available, how do you choose the right business credit card for your business? Here’s a comprehensive guide to help you navigate this important decision. Be sure to watch the video where we break down the five types of business credit cards available in the marketplace.

1. Assess Your Business Needs

Before diving into business credit card options, pinpoint what your business truly needs. Are you looking for a card that offers travel rewards, or are cash-back incentives more appealing? Does your business require a high spending limit, or is a lower limit acceptable? Understanding your priorities will make it easier to narrow down your options.

Consider the nature of your expenses. If travel is a large part of your operations, a card offering travel rewards and benefits like free airport lounge access or travel insurance might be best. For routine expenses, cards with cash-back incentives for these categories can result in substantial savings.

2. Evaluate Fees and Charges

Not all business credit cards are created equal, especially when it comes to fees. Annual fees can range from zero to several hundred dollars, depending on the features and benefits provided. Some premium credit cards for businesses offer high-value rewards that might justify hefty annual fees, but be sure to calculate if the return from these perks outweighs the cost.

Additionally, scrutinize interest rates, especially if you plan on carrying a balance from month to month. Business credit cards may have variable APRs based on your creditworthiness. It’s important to choose a card with a competitive APR if you’re unable to pay off your balance in full each billing cycle. There are many 0% intro APR offers you can find with business credit cards, consider taking advantage of our free pre qualification review for business credit card funding.
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How Business Credit Card Funding Benefits You

September 3, 2019 By Marco Carbajo

Business Credit Card Funding

In today’s post we’re going to cover everything you need to know about business credit card funding. This funding program is by far one of the easiest and fastest ways to obtain cash credit for a startup or existing business.

That’s quite a bold statement but we’re going to back up that claim in this post. Where else can you get up to $150k in unsecured credit for a business with no documentation, no personal credit reporting, plus build your business credit reports.

If you’re new to this type of funding let’s first cover what business credit card funding is. Business credit card funding is a service that acquires business credit cards under the name of the business, using the personal guarantee of the applicant.

The business credit cards obtained under our funding program only report to the business credit reporting agencies. This enables you to get access to working capital, establish a credit file for the business while protecting your personal credit at the same time.

So, let’s start with the first question most people ask.

Who is Business Credit Card Funding For?

If you answer ‘yes’ to any of the following, business credit card funding may be for you.

Do you want to separate your business and personal expenses?
Do you want access to working capital at any time, to use anywhere and for any business purpose?
Do you want to protect your personal credit?
Do you want to build your business credit?
Do you want access to revolving sources of cash & credit?

At the end of the day, whether you’re a startup or existing business, this funding is a fast, easy and truly hassle-free way to get access to business lines of credit.
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Business Credit Cards vs Corporate Credit Cards

March 20, 2019 By Marco Carbajo

Business Credit Cards vs Corporate Credit Cards

When it comes to making business purchases; business credit cards and corporate credit cards play a vital role. But what is the difference between each one and which is ideal for your business?

In today’s post we are going to talk about everything you need to know about business credit cards vs. corporate credit cards. You’ll learn the similarities, the differences, the qualifications, and which one requires a personal guarantee and which one doesn’t.

Let’s get started.

Both business credit cards and corporate credit cards are similar because they are both a revolving source of funds you can use anywhere Visa®, MasterCard®, Discover, and American Express are accepted.

You get access to a pre-set credit limit that you can borrow against at any time. When you pay down the principal the credit becomes available to use over and over. Also, you can maintain a revolving balance on both business credit cards and corporate credit cards.
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How a Business Name Impacts the Unsecured Business Credit Cards Program

April 12, 2018 By Marco Carbajo

Unsecured Business Credit Cards

Do you want 4-5 unsecured business credit cards that only report to the business credit reporting agencies?

You’re probably familiar with our popular business credit cards funding program where we get you multiple business credit cards issued in your company’s name. In fact, this program is one of the best ways to speed up the business credit building process.

Not too long ago we shared the top 5 business credit building hacks and this particular strategy was on the top of the list.

In today’s post we’re going to cover several issues that may occur with a business name when it comes to our business credit card funding program. But before we get started if you haven’t done so already you should check out last week’s post where we discussed the 5 credit report issues that trigger business credit line denials.
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How Revolving Business Lines of Credit Transform Your Business

February 16, 2018 By Marco Carbajo

Revolving Business Lines of Credit

To be successful in today’s fast paced, expanding and rapidly changing business world, business owners must do all that they can to have access to capital. One of the most important factors that determine whether you succeed is your ability to establish this financial flexibility.

As you know access to capital is the lifeblood of a business. Capital comes in many forms and includes cash flow from sales and other sources of revenue that your business generates. It can also come from cash injections made by you from personal savings and investments.

Unless you can pay for unexpected expenses, inventory or other items as needed, you run the risk of a cash flow shortage. To avoid this the quickest solution is having access to revolving business lines of credit.

In today’s post we are going to talk about how revolving business lines of credit can transform your business. You’ll learn 7 key benefits and we’ll even show you how to get access to 4-5 revolving business lines of credit in 14-20 days.

What is a revolving business line of credit?
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