Business Credit Cards
Business credit cards can free you from some of the administrative tasks that zap you of time and energy, and let you focus on building your business -- which is the primary reason you went into business in the first place. Compare the credit cards below to see which is the best for your needs and then simply apply online.
- Earn 25,000 bonus points each year if you shift $50,000 of your business purchases onto the Card
- Unlimited rewards potential - Membership Rewards(R) points have no limit to the amount you can earn and no expiration date
- More purchasing power - Your purchase capacity can evolve with your business. Shift business expenses onto the Card and earn more rewards
- No introductory annual fee for the first year - a savings of $125
- Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
- 20% Travel Bonus when redeeming with Membership Rewards(R) Pay with Points
- Complimentary airport club access, including American Airlines Admirals Club(R) lounges
- Concierge service to assist with your business needs from gift giving to dinner reservations
- Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club(R), Avis Preferred(R), and Emerald club from National(R) Car Rental
- The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
- Enrollment in the Membership Rewards First(R) program
- No pre-set spending limit*
- Earn 20,000 miles upon your first purchase on the Card
- Save a total of $250 off Delta flights
- Sign up for two Additional Cards and earn 5,000 bonus miles
- Use miles to pay for any Delta seat, anytime -- no black out dates and no seat restrictions
- 25,000 miles may also be redeemed for a domestic economy award ticket
- No introductory annual fee for the first year - a savings of $95
- No annual fee for Additional Cards
- Annual $99 Companion Certificate
- Check your first bag for free on every Delta flight.
Business Credit Cards
Business Credit Cards
With so many business credit cards in the marketplace, it can be a challenge to pick the right one. Here are some things to think about:
• Separate Personal and Business Expenses – Keeping your personal and business expenses separate is smart because it will enable you to keep tabs on your business spending and will also help you to be prepared at tax time and in the unlikely event that the IRS questions any of your business expenditures.
• Business Credit Cards Can Simplify Expense Tracking – One of the biggest gripes of business owners, regardless of whether or not they have employees, is tracking business expenses. If you have employees, most business credit cards give a breakdown of individual charges by user, so you can quickly discover if one of your employees has misused his or her credit card.
• Business Credit Cards Give You a Convenient Year-End Statement – The end of the tax year is a mad scramble as you try to find all business receipts and records for tax filing. Most business credit cards now offer a convenient end-of-year statement that you can use to locate possible income tax deductions. Then all you have to do is find the corresponding receipt to substantiate the deduction for IRS purposes.
• Competitive Interest Rates and Fees — Business credit cards offer competitive rates and fees. Many offer 0% teaser interest rate offers, free or low cost balance transfers and other perks that make having a business credit card a smart decision.
• Watch Out for Some Business Credit Card Provisions — While having a business credit card is one of the smartest things you can do to streamline your business operations, reduce your administrative chores and save money, you want to make sure that any business credit card you’re considering will be the best financial decision you can make. Some business credit cards require a personal guarantee, so if your business heads south you could face personal liability for any charges on your business credit card. You can decide whether you want to accept a business credit card with this provision; knowing in advance before taking the card is the best time to make your decision.
Business credit cards are widely available, have numerous benefits that enable you to more efficiently run your business and can help you control your spending habits and patterns. Ultimately you can make more money – and business credit cards can be an effective vehicle on your journey to financial prosperity.