Best Credit Card Deals for Small Business

If you are going to launch your own business and are looking for business credit cards, do not apply for the first you come across. As the choice of interest rates, rewards and service perks has never been better, you are likely to choose the best.

Business Credit Cards Advanta Bank Business Platinum Rewards MasterCard® 0% APR on Balance Transfers for 15 months. 7.99% Fixed APR after thereafter. Earn 5% Cash Back or Travel Rewards.		Business Credit Cards Citibank CitiBusiness Card® with ThankYou Network® 0% APR on purchases for 12 months. No Annual Fee. 10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card.		Business Credit Cards Discover® Card Discover® Business Card® 0% Intro APR on Balance Transfers and Card Purchases for 12 months. No Annual Fee. 5% Cashback Bonus on office supplies, 2% on gas and up to 1% on all other purchases.		Business Credit Cards Capital One® Business Platinum with Preferred No Hassle MilesSM 0% Intro APR on Purchases until June 2009. Double miles on travel and entertainment purchases. No Annual Fee.

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Bank Name Credit Card Name	Intro APR PURCH.	Intro Period PURCH.	Intro APR BAL.TR.	Intro Period BAL.TR.	APR %	Annual Fee	Apply Details
Advanta Bank Life-of-Balance Platinum Card	n/a	n/a	2.99%	Until Paid Off	9.99%	$0	Apply Online see details
Citibank Citi® Professional Cash Card	0%	12 months	n/a	n/a	9.99%	$0	Apply Online see details
Advanta Bank Platinum with Rewards Customized BusinessCard	n/a	n/a	0%	15 months	7.99%	$0	Apply Online see details
American Express TrueEarnings® Business Card from Costco and American Express	0%	3 months	1.99%	6 months	15.24%	$0	Apply Online see details

Before you make an application assure yourself that a business credit card you chose suits your goals. Check whether it provides APR you can cope with. What is the rewards program? Where is it accepted? Does the issuing bank provide detailed report? If you do not know the answers, the following information is for you.

• APR and fees. Pay your special attention on these two points if you are going to use your credit card for cash flows. It is no need to continue shopping, though. You are now at the web-site that can offer you lowest APR and fees deals. Which is more RequestCredit.com has recently been updated.

• Rewards. They depend on a deal you choose, but generally you get points for every dollar spent. These points can be changed for discounts, or travel rewards, or cash back. It generally depends on your needs.

• If you or your employees travel, then you should better choose one of MasterCard plastics as they are accepted in 17 million locations. Then comes Visa with 16.2 million outlets. After that American Express and Discover.

• Detailed reports. You should find out how often reports are issued. Will you get quarterly or monthly reports? Is it possible to divide spending by employee? Can you customize your reports? Are they available on line? You should better ask all these questions beforehand.

A plastic for small business is a useful instrument to manage your business finances. You should better not underestimate it, for credit misuse can lead to debts, ruined business and ruined dreams. But if you manage it wisely, you will get a lot of benefits. Here are some tips that may help you:

• Do not apply for many cards. It can be difficult to manage them. Which is more having many cards can significantly damage your credit history.

• Pay your bills online. This will save your time and effort.

• Try to avoid late payments. One late payment can significantly raise your APR.

• Do not take cash advances. Interest rates and fees are very big.

To have a business credit card is a privilege which is worth fighting for.

Related Publications

Credit Cards for Business
Small business owners are now lucky to have a convenient and secure tool to manage corporate money flows. A business plastic is this tool. If you are lucky to be eligible for one, you will have access to many benefits. While spending money you will earn discounts, or bonus points or even cash. And you can save your time by applying online as well as by managing your account directly from the web-site.

Corporate Credit Cards
If your business is fast growing and prosperous and employs hundreds of people you may want to apply for a company credit card. This is a useful money management tool especially if your employees have to travel a lot. This plastic gives instant access to a great variety of services and grant bonuses as well. What is important your employees do not have to involve their own finances when going on business trips. Surely, there are several points to consider before applying for a company credit card.

Another Credit Card Debt Reason
Statistics shows that a person can go bankrupt and thus significantly damage his or her credit history in a couple of weeks. The same statistics tells that very often credit card debt is not a result of spending sprees but of sudden illnesses. As long as you start paying your hospital bills with one of your plastics you are in danger of bankruptcy. One of the possible ways out is to have a savings account.

Do You Know That...

All the credit cards are the same shape and size. These parameters are regulated by ISO 7810 international standard. This means that no matter where your Visa or Master Card was issued you will be able to use it all over the world.

The expiration date that is printed on your credit card is fake. After the expiration date you will still use your card because the card number remains the same. Why do banks print this date then? It actually depends on the bank's rules. But generally they do it because useful life of a plastic card with magnetic stripe is three or sometimes four years. Depending on how it is used.