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Small Business Credit Cards. by: Kevin Erickson Share price Get the latest Experian news PERSONAL SERVICES BUSINESS SERVICES ABOUT EXPERIAN CAREERS PRESS ROOM Member login Get a free Experian ® credit report and score With enrollment in Triple Advantage SM Daily monitoring of your Experian, TransUnion and Equifax credit reports See your credit report and understand how lenders may view your credit Help detect potential inaccuracies on your credit report and catch possible signs of identity theft IMPORTANT INFORMATION: This offer is not related to the free credit report that you are entitled to under federal law. To obtain that report, you must go to www. annualcreditreport.com . Free report requires enrollment in a trial of Triple Advantage SM . Cancel anytime during the 30-day trial period and pay nothing. Otherwise, you will be billed just $12.95 for each month that you continue your membership. Experian 3 Bureau Credit Report with free credit score See your Experian, Equifax and TransUnion credit reports in one easy-to-read report. Experian credit score and credit report The U.S. average credit score is 678. What\'s your credit score? View all products | Disputes | Review report again | Credit education FACT Act — Obtain your free annual credit report Identity theft and fraud protection — Protect yourself from credit fraud and identity theft Client login Choose your product eSolutions Audit Online B2B Lists Online BizApps Business Public Records Checkpoint List Link Data Select MetroNet SmartBusinessReports Make real-time credit decisions with online access eSolutions puts credit, prescreen and custom solutions at your fingertips. Learn more Our business solutions Credit Solutions Marketing Solutions Automotive Solutions Industry Solutions Due to New York state law restrictions, identity theft insurance coverage cannot be offered to residents of New York. Legal terms | Privacy | Careers © Experian 2007. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian. Other product and company names mentioned herein may be the trademarks of their respective owners. Experian | Free Credit Report and Credit Score | Check Your Online Credit Report Today. Business Credit Cards Small Business Credit Cards It takes money to make money, and a good business credit card can make handling expenses easy and affordable. Featured Listings Small Business Credit Cards Provides comparison of Business credit cards as well as links to online credit card applications with 0% APRs, Cash Back and Rewards Programs. 0% Cards | Reward Cards | Airline Cards | Business Cards www.creditcards.com Small Business Credit Cards - Instant Approval Review credit cards for small business. Apply now for instant approval. Pay 0% APR up to 15 months. Earn cash back. Get Platinum benefits and more! 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Credit cards, line of credit and card benefits. www.visa.com (Paid) Sponsored Links OPEN by American Express Save Up To 25% On Business Expenses Apply Now. 60 Second Decision! www.open.com The Advanta BusinessCard 0% APR for 15 mos. then 7.99% fixed 5% Cash Back or Travel Rewards www.Advanta.com CapitalOne Small Business Capital One thinks big about your small business . The Official Site. CapitalOne.com/SmallBusiness Guide to Choosing the Best Small Business Credit Card Save money, earn rewards and track expenses with the right credit card By Irwin Speizer Keys to Finding the Right Business Credit Card Consider the companies you already work with. Credit cards aren\'t just for banks anymore. Dig into the details. Some business credit cards will track your expenses for you, making accounting a cinch. Know what you\'re looking for, and seek out a card with the features that best suit you. A dedicated business credit card is an indispensable tool for handling the operating expenses of your small business. A good one gives you a convenient way to make purchases for your business and provides a ready source of short-term credit. The records generated by credit purchases also provide a convenient source of tracking expense data and help for managing your business finances. Card issuers offer an extensive array of credit and debit cards designed specifically for small business. If you already own or plan to start a business, you probably get offers regularly in the mail. The competition for your credit card business means better deals for you. A good business credit card can: Give you immediate buying power. Be a source of interest-free short-term loans if you pay off your bills each month. Help you track business expenses, including those of employees if you give them cards. Give you a reward on purchases if you get a card that offers it. Action Steps to Finding the Right Business Credit Card for You The best contacts and resources to help you get it done Know your needs There\'s no such thing as a simple credit card these days, and smalls business credit cards for business are no exception. There are offers from a wide variety of companies with markedly different terms and conditions. Deciding which one is best for you requires matching a card to your needs. Do you keep a significant balance on your card? Or do you pay off your balance each month? Can you benefit more from a purchase rebate or frequent flyer miles? Could you use a card with a zero percent initial rate to make a big purchase? I recommend: Search for small business credit cards and corporate credit cards and compare offers to determine which is best for your business at CreditCards.com. Credit Card Guide also has a handy list of business cards to compare. Shop the small business offerings of major card companies While there are myriad companies offering to put a business credit card in your hands, the cards themselves represent just a few brands. One way to shop for a card is to go straight to the source: the credit card companies themselves. The small business divisions of these card companies offer detailed information on available card services geared to your needs. I recommend: Check small business credit card applications and offerings at Visa , MasterCard and the Open Network of American Express . Discover lets you apply online for a card. Compare big national banks and smaller local banks Much of the action in credit cards is through big national banks, such as Citibank and Bank of America, which act as issuers of major credit cards. But smaller regional banks and some local banks also issue cards. When shopping for a bank-issued card, a good place to start is with the bank that holds your business accounts. Banks like to provide multiple services to clients and may have special offers on credit cards if you do other business services with them. I recommend: Try comparing card offers from your regional or community bank to these from Citibank , Bank of America , Wells Fargo , and Wachovia. You may get a favorable rate by using the same institution which provides your small business loan or provides specific small business banking services. Check out the offers from companies you do business with Businesses that provide goods or services sometimes also offer small business credit cards that include a bonus, such as discounts or cash back on purchases. If you do a lot of business with one particular company, for instance an office supply store, and that company offers a credit card, you might benefit by getting one. I recommend: Among the companies that offer business credit cards are Office Depot , OfficeMax, Staples and Costco . Frequent traveler cards If you travel a lot, consider a business credit card that offers frequent travel points. Don\'t forget to compare the costs of the cards to those from other issuers. Sometimes these cards carry fees and interest rates high enough to outweigh the value of the perks. I recommend: Compare rates and programs from credit cards that offer frequent flyer miles at CreditCard.com . Tips & Tactics for Finding the Right Business Credit Card Helpful advice for making the most of this Guide Exploit special offers: Credit cards that come with initial zero interest or no fees can wind up being very expensive when the regular rates kick in. But if you have a big piece of equipment to buy, charging it at zero interest on a new business card can be like getting an interest-free equipment loan. Track employee spending: Issuing corporate credit cards to sales people can give you a way of effectively monitoring their business expenses. Finance your startup: If you can get a business credit card early in the process of forming your business, you can use it as a source of capital to buy the things you need to get up and running. Once your company starts making money, you can repay the debt. Start your own credit file: When you get a business credit card, the credit reporting agencies will probably start tracking your credit status with a file that others can access. You can stay ahead of the game by opening your business credit file before you even get your credit card. That strategy can help you get favorable information about your business into your file. Deal with problems immediately: Credit card problems can harm your business. If you discover a problem on your credit card, report it and correct it quickly. If the issue lands in your credit file at a credit bureau, it can be hard to erase and can complicate your ability to obtain needed business loans. Directory Listings | Web Listings You may also be interested in: Business Plans Small Business Loans Venture Capital Small Business Insurance Merchant Services Small Business Factoring Small Business Incubators Small Business Banking Small Business Development Centers (SBDC) Small Business Health Insurance How-To Guide from WORK.COM Guide to Choosing the Best Small Business Credit Card By Irwin Speizer Save money, earn rewards and track expenses with the right credit card. A dedicated business credit card is an indispensable tool for handling the operating expenses of your small business. A good one gives you a convenient way to make purchases for your business and provides a ready source of short-term credit. The ... Read more Sponsored Links Small Biz Credit Cards 0% Business Cards . Rewards & More. 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Ok... so you've finally reached that stage in the development of your home business to get started. You've done the research, you have a game plan and you're ready to go except for one small detail... you need money. Whether it comes from a loan or from investors it doesn't matter but you need a good dose of seed money to put all your hard work and planning into action. However, regardless of who hears your money pitch before they give you a dime they will want see your business plan. Business Plan - What Is It? A good way to think of a business plan is that's it's a document that provide answers to the type of questions anyone who may provide financing would like to know about your home business. You will not get outside funding without one, because the people giving you the funding will insist on one because it helps them to know that you've thought through what you're proposing to do. A business plan says to them... "I've considered this from every angle, and here's what I've come up with". Business Plan - What Does It Include? What is your product or service? This is the first question every business plan should answer. You must explain in the clear, concise language what in the world you plan to produce or what service you plan to provide. You will also want to include why you've chosen this particular product or service. Who are Your Customers? After you've explained your product or service, the next step is to identify who you plan to sell your product or service too and why. The demographics (age, sex, language, country, state or city, income, etc.) You need to clearly identify your customers in order to properly target your advertising, packaging, pricing, et. What Makes You Different? You need to identify the "primary factors" that will make your business different than other businesses you'll be competing with. What niche are you filling that they are not or what do you plan to do to fill a particular void in the market that you've identified? What are Your Expenses? Your start-up expenses include any equipment that you need before you can get up-and-running, while your day-to-day expenses are staff costs and supplies. Following is a Simplified Example of Business Plan This a a simplified and shortened version of a business plan. In the real world... each one of the following sections would be 1 - 2 pages in length. That being said... in most instances it's better to be as brief as possible. Only add information if your potential backers request it. It's a bad idea to go into too much detail in your plan. You're not trying to explain everything down to the nth detail, just the basics of the business and why they should give you the money you need to launch it. And always focus on profit. Catering Plus Nature of Business: The business will be a home-based catering company, producing luxury food for special occasions such as birthdays and weddings. We will provide a comprehensive catering service, while specializing in high end customized cakes, which have a higher profit margin than other foods. Target Market: Our catering business will be aimed at middle-class customers who desire a top-of-the-line catering but must operate on a budget. Our initial market area will consist of Mytown and the affluent area of Theretown. Key Factors: We will only use commerical grade ingredients purchased from wholesalers and provide top quality design and service. This will allow us to provide food that looks tastes great, while keeping costs as low as possible. Expenses: Beause I will be using my kitchen and making the food myself, there are only two real expenses: The purchase of an industrial grade mixer and then the day-to-day cost of supplies. I've attached a suppliers' letter listing prices. Our research has shown that this supplier offers the best value for start-ups. To wrap it up, you should include a breakdown of both projected profit and loss per month (in graph form)for the first year in business. Show one-time and day-to-day expenses versus projected profit to indicate how you will pay-off your loan. Your business plan should show you making enough of a profit each month to live on - if it doesn't, then it may be considered unfeasible. Study a Few Real-World Business Plans The best way to get a real a feel for the dos and do nots of a business plans is to find real-world plans that have already been approved and study them. A good place to start is the internet. Once you've studied a few, you will get a better feel for how much work will be involved in putting your business plan together. Remember, until your business exists for real, the business plan is the only tool you have to sell prospective backers on how great your business is going to be |
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