Looking for a business credit card but not sure how?
Here are a few tips and tricks on how to get started:
It’s easier than ever to find a business credit card. There are plenty of online sites that help you shop for cards so you can find the best rates and terms. From these sites you can research and compare dozens of different offers from many different lending institutions. You can even browse cards by category such as reward, low interest rate and balance transfer cards.
Know What You Want
Knowing what you want in a card is half the battle. Want a card that rewards you in miles? Interested on finding a card with a low introductory rate? Looking to find a card without an annual fee? Knowing what reward programs, terms and interest rates you want is an important step in discovering your card. With dozens of choices available when it comes to business credit cards, this will cut down your options and help you quickly decide.
Once you have found the type of cards you would like to have go ahead and apply. The easiest and fastest way to accomplish this is through the internet. If you found your card through a comparison website they can take you straight to the issuers site for you. Filling out the online application will only take a few minutes. Just remember to have all of your information available so you can complete the forms accurately. In just a few hours, and in some cases instantly, you will know if you have been accepted.
Your Credit Score Does Count
Remember that even though this is a business credit card your credit score still counts. If you are the primary holder of the credit account or the owner of the business your personal credit score goes into making the decision of granting you a credit card. The better the score the better interest rates and terms you can have. You should also know that if you miss payments, accrue late fees, etc. on a business card it can reflect on your personal credit score.
Not Just For Business Owners
Getting a business credit card does not mean you have to be a business owner. Anyone who accrues expenses due to work can have one. This means freelancers and temporary or seasonal workers can receive a business card to help them pay for business related expenses. Just use your social security number as your tax id number when you apply.
Source by Jud Hogan