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Before completing any business credit card application, it is a good idea to know what it takes to get approved and where they report. As a small business owner, It is important to know that a true business credit card will report to at least two of the three business credit reporting agencies and should not show up on your personal credit reports.

Then check out long-term rates and not just introductory rates. Look for hidden fees, annual fees, balance transfer rates, late charges, cash advances and grace periods. Always look at your credit card statement carefully to check for accuracy.

Understand the benefits:

  • Save time tracking and reconciling business expenses
  • Streamline cash advances
  • Build business credit
  • Monitor employee spending
  • Reduce operating expenses
  • Maximize cash flow
  • Better manage vendor relationships

Finding the Right Business Credit Cards

There are many advantages to having business credit cards, the first of which is helping to build strong business credit scores.

Most business credit cards typically make an inquiry on the applicant’s personal credit in order to approve, but after approval they do not show up on personal credit reports. It is important to find business credit cards that report to all three business credit reporting agencies.  Inside our free business funding management center we list out for you a large number of business credit cards, what they require for approval, and which business credit agencies they report to.

Be sure to check the applicant’s personal credit before you apply for any business credit card. You check all three personal credit scores for free with our partner FreeCreditReport.com.

Register now for our free Business Funding Management Center to receive a complete list of business credit cards, what they require for approval, and which business credit agencies they report to…CLICK HERE.


Search for Small Business Loan Sources and receive your matched lender listSearch for Small Business Loan Sources