Click here to add this page to your favorites     

Who Else Wants To Improve Their Cash Flow

And Serve More Customers By Using

Right Business Credit Cards?

Dear Friends,

Why do you need a small business credit card? Since most entrepreneurs already have at least one personal credit card, wouldn't it make sense to charge their small business expenses on that card as well?

In fact, a small business credit card offers some distinct advantages over a consumer credit card. A small business credit card will help track your business expenses independent of your personal expenses and also enable you to measure the company's budget. At tax time, having a separate record of your small business spending will make the process that much easier. Additionally, small business credit cards can save you money through the various perks they provide. And they help you build a credit history in the business's name.

The No. 1 reason that small businesses fail involves insufficient capital, and business credit cards can help smooth out the ups and downs of small business capital needs. If you are starting or running a business, Experts suggest that get as much credit as you can on credit cards but within reason, as too much credit will make your credit score plummet.

For businesses that rely on consistent cash flow to pay for supplies or contractors, a business credit card can aid in purchasing items from clients before invoicing customers. Do you remember your handy man who comes and does work for you and bills you at the end? If he goes to Home Depot or Rona, he gets the material on credit and bills you once the work is done. He pays the credit card companies when they send their statement to him or her.

Credit limits for business credit cards come in two varieties i.e. preset and no preset. Credit cards with preset limits are usually generous in those limits and normally carry no annual fee. Business credit cards with no preset spending limits, such as those from American Express, do carry an annual fee but offer more flexibility. If your business spending is prone to significant spikes due to inventory purchases, a credit card with no preset limits offers flexibility. If your business works primarily on a cash basis or doesn’t need to purchase inventory on a regular basis, a credit card for periodic or emergency uses would be best. Look for a small business credit card that offers a moderate credit limit with a low annual percentage rate (APR). If extra money is needed, it is available for your business and can be paid out over time.

Businesses that require frequent travel or client entertaining should look at business credit cards that offer reward benefits. For example, frequent flier business credit cards offer benefits both for making charges to their cards and for flying their airlines. Business spending can also be leveraged to earn significant cash back or merchandise rewards. Consult with your accountant on how these benefits can be used for either business or personal use.

Once you decide that your small business needs its own credit card, it is time to choose the best credit card for your business. As with any credit card decision, there are a number of factors to consider.

• What is the credit card's annual percentage rate? If you expect to carry a balance from month to month, it is important to look for the lowest APR .

• Does the credit card charge fees? Annual or other fees can eat into the savings your credit card is supposed to offer, so make sure any fees do not cancel out the perks a small business credit card provides.

• Decide what types of the perks will provide the most benefit to your company? You will probably want to earn cash back rewards or discounts on the goods and services your business uses most, like air travel, shipping, copy and printing services. If you travel often on business, you may want to find a credit card that offers bonus miles with no blackout dates. Small business credit cards generally have no cap or a higher cap on the amount of cash back or reward points you can earn on an annual basis when compared to consumer credit cards.

• Is the credit card widely accepted? Business owners who travel will want to make sure that their credit card is accepted when they need to charge something while away from home. 

• Business owners who find themselves frequently on the go will also want to make sure the card has a national ATM network to provide cash after hours or in airports.

• Would you like to be insured? Some credit cards will offer travel insurance, purchase insurance, additional car rental insurance and lost card insurance.

• Do you appreciate the ability to always be able to reach someone at the credit card company by phone? If you do, select a card with 24-hour telephone travel and concierge services.

The best credit card for a small business owner will depend on the unique character of the business. Regardless of the type of company, having a small business credit card will be beneficial for you. Just remember to continue to use your personal credit card for personal expenditures, as putting non-business expenses on a business credit card can make it difficult to keep track your expenses separately.

Get the buying power and convenience you need to operate your business efficiently, as well as great rewards. Just click on any of the business credit cards below for more details.

A. BUSINESS CREDIT CARD OFFERS

1. There are thousands of credit card options available over here. When you apply for a credit card, it will take you to a secured website so that your information remains confidential!

2. If you are looking for secured line of credit for your business purpose, check out this offer.

3. A good offer from Advanta Platinum Business Card

 4. Good options from American Express

 5. Another good option is offered by Chase

 6. Here is the offer from Discover

7. If you want your business name to be displayed boldly, try this card.

B. RELATED ARTICLES

• Benefits Of A Business Credit Card
• Business Cash Advance for Merchants Who Accept Credit Cards
• Business Credit And Background Checks
• Business Credit Card FAQ
• Credit Cards and Business Expenses
• Finding Financing Options For Your Business That Anyone Can Try
• How an Unsecured Line of Credit Can Grow Your Business
• Improve Your Business Credit Rating
• Securing Business Credit For Your Startup Business
• Startup Business - Funding Alternatives to Venture Capital
• Transition from Employee To Business Owner 101
  

AND MANY MORE... CHECK OUT AT THE CREDIT-RELATED ARTICLE SECTION FOR VARIOUS ARTICLES!

C. RELATED VIDEOS

• Credit card sales still the safest way to pay

• Credit Card King Gives Tips On Getting What You Want

AND MANY MORE... CHECK OUT AT THE CREDIT-RELATED VIDEOS SECTION FOR VARIOUS VIDEOS!

D. BUSINESS CREDIT SECRETS eBOOKS

• Business Credit Secrets (easily get thousands in business credit) - the name itself explains everything.
• Business Credit in a nutshell - an ebook sharing all about the business credit issues and how to build it.

AND MANY MORE... CHECK OUT AT THE CREDIT-RELATED eBOOKS SECTION FOR VARIOUS eBOOKS!

At InstantCreditCardSolutions.com we continuously monitor the credit card market in order to bring you the best credit cards, reviews and credit card offers available online. Once you have found the card that is best for you, you can fill out an online credit card application and in some cases even get a credit decision within 60 seconds.

At InstantCreditCardSolutions.com our goal is to provide a resource where YOU can educate yourself, search and compare the Options. Then apply for the best credit card offers online at credit.com.

Wishing you a very happy & successful credit card hunting,

InstantCreditCardSolutions.com team

Our Mission: To provide free or 'value for money' credit-related and money management information to our visitors and subscribers.

Our Market:

US States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Canadian Provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Northwest Territories, Nova Scotia, Nunavat, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon