What types of company credit cards are there?

Company cards fall into two main categories: business credit cards and corporate cards. Typically, business credit cards are available to small businesses of all shapes and size, whereas corporate cards are only for incorporated entities that meet certain financial thresholds.

Who can apply for a small business credit card?

Almost anyone who runs a business — either formally or as a side gig. You don’t need a certain business structure or existing business credit history to qualify. Approval is largely based on your indiivdual credit history.

Can I use a personal credit card for my business expenses?

Yes, and In some situations, it may even be more beneficial to use a consumer credit card. But business cards also have distinct benefits vs. personal options — including higher limits — and can keep your personal and professional spending separate.

Can using a business credit card affect my personal score?

Applying for a small-business credit card can impact your personal credit score. Using the card may also, depending on the card itself and how you handle it. Negative behavior on business cards is typically reported to consumer credit bureaus.

Are business card annual fees tax deductible?

Assuming the credit card is only used for business expenses, it is possible to deduct the full annual fee from your business income.

Small-Business Credit Cards: Articles & Tips

Small-Business Credit Cards

Small-business credit cards are a flexible financing option for entrepreneurs. Getting these cards largely depends on your personal credit score, rather than factors like annual revenue or time in business. And, in most cases, you’re personally responsible for repaying debt accumulated on your company card if your business can’t.

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