Money Tips for Using a Business Credit Card

Are you looking to find your first business credit card? If so, you’ll also want to make sure you’re using the card to the best of its ability. Many people can benefit from a business credit card, including everyone from sole proprietors to large corporations, and there are many ways to get more out of a business credit card. Here are four things you can do to get more out of your business credit card.

1. Make Sure You’re Using the Credit Card for All Your Business Purchases

When you use a business credit card for all business purchases, you can get a number of benefits. First, it’s easier to determine all your business purchases at the end of the year, making tax season much easier. It can also make it easier for you to get benefits on your business purchases; many business credit cards offer extra benefits on certain purchase categories that are often related to businesses, giving you more rewards on your purchases.

2. Set Up a Plan to Get the Card’s Sign-On Bonus

Sign-on bonuses can be immensely helpful, but they can also end up carrying quite the hefty price tag. For example, the Chase Ink bonus is a whopping $750 cash back, but it also requires that you spend at least $7,500 in the first three months of having the card. Setting up a plan for getting that bonus can ensure that you’re making the most of your credit card.

3. Take Advantage of Introductory APR

Introductory APR can help significantly with many different business purchases. Some credit cards may give you 0% APR for a fairly long amount of time, and if you’re lucky enough to get an offer like 0% APR for a full year, that means you can spread large purchase payments out over as much as a full year. Take advantage of this to get low or 0% APR financing on large purchases.

4. Check for Extra Benefits

Many credit cards have extra benefits that you can take advantage of beyond rewards percentages and sign-on bonuses. For example, you may be able to get integration with bookkeeping software, extra credit cards for your employees, and even benefits like rental insurance and roadside dispatch. Check for these extra benefits before you sign up for a new credit card so you can use them and avoid making purchases that would just double up on those benefits.


A business credit card is often an important part of making your business feel “legitimate,” and many sole proprietors have business credit cards for easier purchases as a business. If you’re interested in getting a business credit card, whether you’re working for yourself or you have a number of employees, there are many ways that you can get even more out of your credit card. These four tips will help you get more out of your credit card overall, no matter how much you’re planning to purchase with your business credit card.