What kind of credit card does my small business need?

As you grow your small business, you might be wondering if you need a business credit card. Learn more about the different types of business credit cards, and find out which one is best fit for you.

Tags: Credit cards, Credit score, Small Business
Published: April 21, 2021

Just like personal credit cards, business credit cards are designed to help with short-term purchasing needs. When you’re opening your own business, a credit card can help with operating expenses, giving you more flexibility as you grow your operations. But not every business credit card is created equal, so here’s what to look for in features and rewards that fit your business best.


What should I look for when shopping for a business credit card?

The most important thing to consider is whether a card works with your business. Business credit cards offer lots of features and rewards that regular consumer credit cards don’t always have, and each type of card can be leveraged differently. For example, if you buy items from many different vendors, look for a card that gives cash back in multiple categories. Or, perhaps you have multiple employees using the same card — in that case, you’d want one something that has customizable controls.

There are also some general features a good business credit card will have, too. Something with a low APR or a valuable rewards program will save you money in the long run. Little things can make a big difference, so shop smart and choose wisely.

Not sure what kind of card you need? Tell us a little bit about your business, and we’ll recommend a U.S. Bank small business card that will be a good fit.

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 Learn more about U.S. Bank credit card options and how we can help your business succeed.