With So Many Small-Business Credit Cards, Which One Do You Choose?

Selecting the right card for your business can be tricky. Make sure you understand the differences.
With So Many Small-Business Credit Cards, Which One Do You Choose?
Amanda Clark

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Entrepreneurs place value on every single dollar they make — both through their core business and through “bonuses” they earn on their credit cards.

This is especially vital for small companies and startups, where every little bit of money you can generate can really make a difference. As such, you should take great care in choosing your small-business credit card. Here, I'll round up some of the most promising contenders.


The best way to think about credit cards is in terms of a few major categories — flat rate rewards, zero percent APR and fair credit being the most essential. Here’s an explanation of each type of card.

  • Flat Rate Reward Cards: The great thing about a flat rate card is that you’re always going to earn back the same amount of money, no matter what kind of purchase you’re making. There is no tiered reward structure in place, which makes this a good option for small-business owners who just want to have one card at their disposal.
  • Zero Percent APR Cards: The zero percent APR card comes with no annual fee and is a smart option for when you need to make a major inventory purchase. Earning cash-back rewards while enjoying a long period of debt-free interest provides a lot of flexibility, which is something small companies thrive on.
  • Fair Credit Cards: Here’s the last category — cards that are extremely cheap to maintain, so long as you’re able to pay off the balance each month. For smaller-scale purchases, this is a great way to borrow money for your business.


There’s no one right way to settle on a credit card. In fact, your business might benefit from having a couple of different ones. I urge you to read through all the details on any card before you sign up, and to think about how it will work for your business. These three types are ones to start with, but there are plenty of great cards out there that are worth consideration.

About the author
Amanda E. Clark is the president and editor-in-chief of Grammar Chic Inc., a full-service professional writing company. She is a published ghostwriter and editor, and currently under contract with literary agencies in Malibu, California, and Dublin, Ireland.

Since founding Grammar Chic in 2008, Clark, along with her team of skilled professional writers, has offered expertise to clients in the creative, business and academic fields. The company accepts a wide range of projects and often engages in content and social media marketing, drafts resumes, press releases, web content, marketing materials and ghostwritten creative pieces. Contact Clark at www.grammarchic.net.


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