Business Credit Card

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"Business credit cards often include a wide variety of benefits which
cater to the needs of business owners. Aside from the standard
benefits of low APRs, no fees, and designated credit lines, business
credit card users enjoy online account access, detailed reporting,
personalized cards with company name or logo, and various reward
incentives.

Business owners who are looking for ways to consolidate their
business-related expenses and earn rewards at the same time find that
certain business credit cards are just what they are looking for. Some
cards offer an exceptionally low, ongoing interest rate, while others
allow balance transfers with on interest at all for a specified amount
of time. In addition, these same cards tend to offer cash rebate
programs, free rewards, or credits toward the purchase of merchandise.

Rebate programs that offer as much as 7% cash back are some of the
best business credit cards on the market today, while 5% tends to be
the norm. ...
... Cash back reward incentives provide a rebate for qualifying
purchases such as utilities, office supplies, electronics, computers,
and gasoline. Some cards will set a limit on their cash back programs,
while others leave the door wide open. Card holders may also choose to
participate in rewards programs, earning them a limitless number of
points for each dollar they spend using the respective business credit
card. These points can be redeemed for merchandise, gift certificates,
bonus cards, or travel rewards.

Many business credit cards also offer common platinum features, such
as itemized expense reports which are compatible with Microsoft Money
and Quicken software, free online account access, extended warranty
coverage for certain purchases, automatic auto rental insurance, and
damage/theft protection for purchases. Most of these cards can also be
customized with your company name or logo, prominently displayed in
bold lettering. Businesses also enjoy choosing their own billing date,
ATM access for all authorized employees, individual employee spending
limits, and personalized account control features.

Generally speaking, an authorizing officer and a program manager will
handle all business credit card records and transactions. The company
officer will sign the application for the credit cards , who will in
turn be designated as the official authorizing officer for the
account. Companies may also choose to select a program manager, an
individual who will make decisions about the way credit programs are
used. This individual can also be the authorizing officer, if desired,
or it can be another employee such as the accounts payable manager. A
business can also choose to elect multiple program managers, however,
each person must be officially listed on the account for making
decisions on the behalf of the company. Authorizing officers can also
dictate changes to the account.

Business credit card holders can place strict limits on employee
spending, or they can customize the account based on individual needs.
The number of transactions and dollar amounts can be designated for
each employee, each department, or each day. Likewise, certain
restrictions can be implemented to authorize the purchase of
merchandise in designated categories, such as office supplies, while
restricting purchases in other fields, such as meals. Monthly
consolidated statements are typically available 24/7 via the internet,
while paper statements are optional.

If you are looking to expand your business, secure a reputable
business credit card, or take advantage of reward incentives, then
there could never be a better time to do so than now.
"