What is the best business credit card?

Finding the best business credit cards

When searching for the best business credit card, don’t rule out the importance of customer service, online account access and accounting-related features.

Find out how much you can do yourself online. This can be critical if you need to gain information in the middle of the night and the credit card company doesn’t have anyone in their small business department working late-night hours.

Some credit card companies provide the ability for you to download information and import it into your accounting program. This can be helpful as you track purchases made from you or other employees. This can also make preparing your business taxes much simpler.

And if you provide credit cards to employees, you may also be able to make changes to their accounts and track spending spearately.

However, before applying for any business credit card get a feel for the lending criteria. Some creditors may not be willing to approve a credit card until a small business can provide proof of being in business for two years.

Many small businesses will fail within the first year so showing two years worth of experience is a sign a stability as well as financial security for a potential creditor.