Business Credit Cards

What’s a Business Credit Card?

Business credit cards are usually vital assets for a small or new business. A business credit card is a credit card designed for various business purposes. Generally, these credit cards have a higher limit and are ideal for larger transactions than personal cards. Business credit cards offer expanded opportunities in order to accommodate enterprise-level spending.

Business credit cards, such as business credit cards for bad credit, can be a valuable way for business owners and start-up founders to separate personal transactions from business expenses. As the funds used are taken on credit, business credit cards can help with cash flow management and improve business liquidity. These credit cards can be used by business owners or entrepreneurs exclusively, like in smaller business operations, or by a large number of employees who have to spend money during the course of business.

Compare Business Credit Cards

With so many different options for business credit cards, such as business credit cards for start-ups, how do you know where to start? Business Credit Chicago will help you make an informed and prudent decision on choosing the best small business credit card for your unique needs. You can get the most out of your small business credit card by comparing eligibility criteria, rewards, fees, and charges before applying. No matter your business sector or size, Business Credit Chicago will help you find the best business credit card today. Business Credit Chicago has partnered with numerous leading credit card brands in the US to help you compare, evaluate, and make the best choice for your small business. We will compare the top business credit cards so you do not have to go through the hassle.

Get a Smart Business Credit Card that Offers Rewards

Use your business credit card for working capital, simplifying administration, and separating finances. Check your eligibility for business credit card offers from various brands without impacting your business credit score. Whether you are looking for the best business credit cards for new businesses or business credit cards for LLCs, Business Credit Chicago has you covered.

Simplify Things with Business Credit Cards from Business Credit Chicago

Managing and tracking business spending for your start-up or LLC in Chicago is not just time-consuming, it takes your focus and attention away from what really matters-growing your small business and satisfying your customers.

Isn’t it convenient when you find a way to make matters simple? Whether you are buying office supplies, making a capital expenditure, or paying a business vendor or supplier across the country, Business Credit Chicago has a credit card designed with your business needs and preferences in mind. There are many choices and options with a variety of valuable benefits, such as rewards for gift cards,¬†cash back, travel, and more. You will also find business credit cards with no credit. See for yourself.

  • Business Credit Score and Credit Cards

Having an excellent business credit score for your start-up or LLC is one of the most important aspects of building and growing a business. And staying on top of your small business credit score will help improve your chances of getting business credit cards with no personal guarantee.

  • Points. Cash Rewards. Travel Rewards. Lower Rates. Business Credit Cards for Travel

Regardless of what you are looking for in a business credit card for your enterprise, Business Credit Chicago has you covered.

*** You Must Know

Business credit cards, such as business credit gas cards, can give business owners and start-up founders many benefits and conveniences, including:

  • Improve cash flow and spread costs
  • Simplify bookkeeping and accounting by organizing expenses
  • Boost your small business’s credit profile
  • Quick to arrange

The Flexibility and Convenience of Small Business Credit Cards

Business credit cards for your LLC or start-up offer a sweet spot between corporate credit cards and personal credit cards. Designed specifically for small businesses and newly-established enterprises, business credit cards offer a flexible and convenient way for your LLC or small business to make purchases and improve credit at the same time. In many cases, you will also benefit from a 0% introductory rate and excellent rewards programs while providing your start-up or small business in Chicago with a financial safety net. When you work with Business Credit Chicago, you get the security of a loan with a smaller commitment and less paperwork. Pretty cool, right! Enjoy uncapped rewards, 10 to 20 times higher limits, and no personal guarantee.

  • Start Building Small Business Credit with a Business Credit Card Paid Daily

Partner with Business Credit Chicago to earn the best rewards and establish a business credit history with a business credit card that draws money from your balance daily like a debit card.

  • Best Business Credit Cards for Your New Business

For business owners, entrepreneurs, and employees, business credit cards certainly have a lot to offer. Providing a simple way to pay for purchases and expenses while on the go at business conventions, trade shows, client meetings, and team-building activities, a business credit card can be an indispensable part of keeping your business operations moving forward without any hassle or liquidity issues.

However, as with most credit cards, no two business credit cards are exactly alike and have different features. From redemption options to point accrual, there are many pros and cons you should weigh when considering business credit cards for your company or growing business. Business Credit Chicago can help you make the best choice and has covered the key basics below in order to help you make the right decision.

Best Business Credit Cards for Your New Business

For business owners, entrepreneurs, and employees, business credit cards certainly have a lot to offer. Providing a simple way to pay for purchases and expenses while on the go at business conventions, trade shows, client meetings, and team-building activities, a business credit card can be an indispensable part of keeping your business operations moving forward without any hassle or liquidity issues.

However, as with most credit cards, no two business credit cards are exactly alike and have different features. From redemption options to point accrual, there are many pros and cons you should weigh when considering business credit cards for your company or growing business. Business Credit Chicago can help you make the best choice and has covered the key basics below in order to help you make the right decision.

Types of Business Credit Cards

Credit Cards for a Particular Benefit or Need

When your business needs the best credit cards for a specific need, such as top rewards rate for gas station spending, choosing the right one can be tricky and overwhelming. This is because there are so many options on the market. For instance, business gas credit cards let your business cash in at the pump. Business Credit Chicago researches credit cards from every credit union, bank, and credit card issuer and selects only the best from each category. This allows you to compare credit card offers that meet your specific needs and requirements and include attractive benefits.

Business Credit Cards for Bad Credit

You may think that business credit cards aren’t available for a small business with a poor credit rating. However, it isn’t necessarily so. Lenders and credit card issuers often vary the interest rate and credit limit to accept an application that may otherwise be turned down. These credit cards may offer a relatively low credit limit to your business at a higher interest rate. However, the upside is that as long as you pay off the balance on time, there’s no better way to improve your business credit score.

We can help you find the best business credit cards for bad credit so that you can improve your credit.

Business Credit Cards for Start-ups

Although start-ups usually only have a couple of options to raise funds, this humble piece of plastic is one of the simplest and best ways to get you started. Did you know that lenders assess both personal and business credit scores? And your personal credit score may be good enough to get approved. Credit card providers are usually flexible in how they evaluate applications. They might be able to provide your business with a modest credit limit. We know that approval rates for business credit cards tend to go up after a start-up company has been trading for at least 12 months and can help you find a credit card that meets your needs.

Low Rate Business Credit Cards

If you generally carry a balance on your credit card every month, it may be worth comparing various low interest rate credit cards for your start-up to lower the interest on your debt and enjoy peace of mind.

Low Fee Business Credit Cards

Are you looking for a no-frills credit card that lets you pay for your small business expenditure without costing the world? Business Credit Chicago can help. Given that annual fees on many platinum cards can easily reach hundreds of dollars, it is best to consider a more budget-friendly option for your small business or LLC, like a low fee credit card.

Why Choose Us for Business Credit Cards in Chicago

>> Outstanding Customer Service

  • Business Credit Chicago treats our customers with helpful service
  • Enjoy comprehensive services and cards for travel, dining, and entertainment
  • Get help and answers to all your questions with 24/7 customer service

>>Credit Cards for Your Entire Team

Issue unlimited credit cards with custom limits, and easily track your team’s expenses.

>>Fraud Protection and No Liability

Features, like Zero Liability Protection, from Mastercard and other credit card providers, protect users from fraud.

>>No Personal Guarantee

Are you looking for business credit cards with no personal guarantee? Business Credit Chicago has you covered. Separate your business and personal spending when you work with us for the best business credit cards-no personal liability.

>>Reliable and Robust Security Features

Relax and have peace of mind knowing that every business credit card we offer has a suite of excellent security features that help protect your credit card and payment information.

What is the Cost of Business Credit Cards?

If you want to get the most out of a credit facility with the least cost, it is vital to understand the costs as well as how best to use the credit card. Typically, costs and charges may include:

Interest Rates

In most cases, this is the main cost. Also, it is standard for card providers to give a period of interest-free spending, such as one month or three months, followed by an interest cost if you fail to repay the balance within that period.

Annual Fees

While some credit card providers levy a fee, others don’t.

Other Fees

These include late payment fees and fees for balance transfers and cash withdrawals.

How to Choose a Business Credit Card

There are several credit card options on the market for small business owners and start-ups. The key is to carefully look into multiple aspects of what the credit card has to offer in order to determine if it can help you meet your goals and maximize rewards. This way, you get a business credit card customized to your business needs and preferences while building a strong business credit score. You probably know that business rewards cards come in various shapes and sizes, from cards that prioritize travel and entertainment to those that favor points earned on everyday business expenses. Before making a decision, you should review all credit card features to make sure you choose a card that best benefits your business. However, we can compare features on your behalf so you can focus on your business.

What if You Have Been Turned Down for a Small Business Credit Card?

If you have been refused a small business credit card, you are not alone. Lenders and credit card companies tend to be more selective when it comes to business borrowers. You may be refused if you have been trading for less than one year or have a weak personal or business credit score. In these cases, you should consider using a pre-paid business card instead. You will not have to worry about credit checks, and you can fill out an online application in minutes. Also, there are no fixed contracts. This means that you are not tied to one credit card provider or issuer for a certain length of time.

Find the Best Business Credit Cards with Business Credit Chicago

Opening a business credit card account is a rite of passage for a start-up or small business. Go from big ideas to big business with access to funding or working capital that easily fits in your pocket. Business credit cards help you build a strong business credit history, track expenses, and increase working capital so that you can reap the rewards. With Business Credit Chicago, you can compare cards side-by-side and get information about points, rewards, and interest rates -all in one place.

Let’s Find the Right Business Credit Card for Your Business

What is your business goal with a new card? Contact us to take control of your business’s financial needs today.