Small Business Credit Cards – The Advantages of Paying Business Expenses with Credit Cards

Would it make sense for a business owner to use small business credit cards? You bet it does! There are numerous benefits to paying virtually all business costs with a credit card. Let’s examine a few of these advantages.

Better Terms

Sometimes in business, you have to spend money to make money, which can mean putting up cash on the front end before you see any returns. Your options are limited – you can pay out the money now in cash, pay with a credit card, or, if available, choose a net 30 term of payment.

Most small business credit cards provide a better interest rate and have fewer annual fee charges than individual credit cards. Credit card companies typically see a more reliable payment history for businesses compared to they do with individual consumers, so they give these business cards a lower interest rate. And, with the credit card market becoming more and more competitive, companies are lowering, and, in many cases, eliminating the annual fee.

This makes paying expenses having a credit card an attractive way to regulate cash flow. You keep your cash on-hand and can pay the bill off on your own routine for relatively little additional cost.


Many business-oriented credit cards also provide very attractive rewards programs including cash-back incentives, airplane miles, gifts, and complimentary services.
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Some credit cards also offer savings from specific retailers simply by using the credit card to make the purchase. Why not pay all business expenditures with a credit card and take advantage of these types of free rewards?

Many cards, like the American Express Platinum Card, provide the cardholder free membership into numerous airline clubs. This comes in convenient for the traveling businessman. Airline clubs give the cardholder a nice private golf club atmosphere in nearly every airport that offers free wireless internet access, phone providers, food and beverage, and a quiet spot to relax.

Another benefit most cards offer their members is a concierge support that will assist you with getting restaurant reservations, tickets to concerts and sports, and many other services that can be useful for your small business owner. Some cards even offer free automobile and travel emergency services as well as free travel insurance.

Ease of Banking

Many small business credit cards offer free online reporting. This allows the company owner to pay their credit card costs, monitor expenses instantaneously, and review statement charges anytime online. Most cards can also classify the costs by business-related categories on a quarterly and year-end summary statement. This is very useful for the small business owner in planning the company tax return as well as using a great snap shot view associated with seeing where and how the company can be spending its money.

Consumer Protection

When it comes to business expenses, credit cards offer the same protection as for the individual consumer. It is really an often-overlooked advantage of having a small business bank card. Paying business expenses with a bank card for gives the owner protection towards fraudulent charges and, in many cases, an extended warranty over and above the manufacturer’s regular warranty. Also, in the event you pay for some thing where there is fraud involved, the credit card company will protect you and reverse these charges, putting the duty of proof on the vendor.


Using small business credit cards to pay company expenses offers added security, convenience, and attractive rewards – monetary and otherwise. And, they permit you to receive added financial incentives whilst regulating cash flow to meet the ebbs and flows of your business. With the growing market for business bank cards, you are sure to find an attractive credit card choice that offers quality payment terms plus fits in with your business needs.

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