Business Credit Card
Revolving credit for everyday business expenses with rewards and flexible repayment.
A business credit card is one of the most accessible and widely used funding tools for small businesses. It provides a revolving line for operational expenses and supplies, travel, software subscriptions, vendor payments with the option to pay in full or carry a balance. Beyond convenience, business cards help separate personal and business finances, build business credit history, and often come with cash back, travel points, or category rewards that reduce effective spend.
Cards are available as secured (requires a deposit) for businesses with limited history, or unsecured with limits from $2,000 to $100,000+. Some premium cards include 0% introductory APR periods of 12–21 months, making them a low-cost tool for planned purchases when used strategically.
Example
A marketing agency owner puts all client-related software, ad spend, and travel on a business card with 2% unlimited cash back. On $15,000 in monthly charges, she earns $300/month back — $3,600/year — while keeping expenses organized by category in one statement and extending her vendor payment window by up to 30 days interest-free.
