Credit Cards for Business

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Credit Card Applications » Questions » FAQs » Credit Cards for Business

Credit Cards for Business FAQs:

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Leo Zhu,

CreditLand Consultant on Credit Card Questions:

You have your own small business and now need some credit support but not sure how to start and which option to choose. Look through the questions below to see if they can help you or ask our experts for help.

Business credit rating is a rating of a particular corporation or a small business company. The business credit score can be and should be separate from your personal credit score. When these two scores are separate, your personal and business financial risks are separate as well. Continue reading

Many issuers of business credit cards offer cards with rewards programs. So look around to find such offer. A reward program will allow you to earn rewards on different business expenses. Continue reading

A separate business credit score can be build if the business is legally separate from the owner. That is you should own a corporation or a LLC. Also, your business should have a federal tax identification number (EIN). Continue reading

A Chapter 13 bankruptcy will stay on your credit report for seven to ten years and lower your credit score significantly. This will prevent you from being approved for many types of credit cards. If you are still in the process of paying off your debts according to your Chapter 13 bankruptcy plan, applying for a credit card now is probably not the best idea. Try a prepaid card instead for the convenience of a credit card without the approval process. Continue reading

Business credit cards are specifically designed for the unique needs of business owners. Higher credit limits, rewards targeted toward business like travel and office supplies, extra cards for employees, and tools like year-end summaries and reports are just some of the features that many business credit card issuers offer their cardholders. Continue reading

If your business has a separate tax ID, you will use that to apply for your business credit card and the account activity will not be reported on your personal credit history. There are business credit bureaus that track the behavior of business credit card holders. Your personal score may be considered when applying for a business credit card for a start-up business that has no track record or credit history. Continue reading

You’ll need to have your business name, address and phone number ready, as well as information on your company such as how long you’ve been in business, how many employees you have, and information about your expenses and profits. Have your Employer ID Number (EIN) or tax ID ready as well, or your Social Security number if you do not have a tax ID. Continue reading

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