Business credit cards offer special services, perks, discounts, or incentives specifically designed for corporations or small businesses.

Benefits may include no annual fees, generous credit limits (some even offer no pre-set spending limit), low APRs, personalized business cards and checks, free additional cards for employees, insurance protection for business travel and rental cars, special discounts for business merchandise and services, and other benefits specific to the needs of businesses.

Some business cards may even combine the benefits of a business card with those of a travel or other rewards cards, making it doubly rewarding for businesses owners and employees.

Business cards are issued based on the financial strength and legitimacy of the business, so be prepared to prove that you deserve the card issuer's trust!

Before you apply - a few important factors to consider...

• These cards may charge an annual fee or higher interest rate in exchange for superior business benefits. Make sure the added expense is worth what you'll gain in rewards, perks or services.
• Introductory rates are usually short-term offers, lasting anywhere from a couple of months to a full year. Introductory rates may apply only to new purchases, balance transfers, or if you're lucky, both. Be sure to note any special conditions or fees that may apply to these promotional rates. Also, be aware that the long-term rates shown generally apply only to new purchases; interest rates for balance transfers and cash advances may vary.
• Note whether the APR is variable or fixed. Most cards have variable rates, which means the rate can fluctuate regularly. Fixed-rates can also be raised when interest rates climb, but the changes will not occur regularly and require at least 15 days notice from the card issuer.
• Be aware of annual fees, balance transfer fees, foreign transaction fees, over-the-limit fees, late payment fees, and the myriad of other fees that may apply. Check with your issuer and carefully read the fine print of the offer to determine these numbers and avoid any unpleasant surprises!