Know these 8 things yeast infection blisters before you get a business credit card nav

We frequently get questions about how to get a business yeast infection blisters credit card, and if it’s a better fit than a personal credit card. They look similar, swipe the same and may even offer similar terms and yeast infection blisters rewards as personal credit cards, but business credit cards have a few distinct differences that yeast infection blisters can trip up a new business owner looking for a yeast infection blisters credit card.

Business credit cards can be a great way to build yeast infection blisters a credit history for your business, so finding the right one can be key to getting yeast infection blisters better interest rates on other business financing options down the yeast infection blisters road and even on securing partnerships (many businesses do credit checks on potential partners as a yeast infection blisters form of background check).

When it’s time to get a business credit card, it can be too easy to just fill out an yeast infection blisters application and click on the “submit” button. Instead, you need to take the time to do some research, learn about how small business credit cards work, and find the one that’s right for your company’s needs. How to get a business credit card in 6 steps

• understand the rates you’ll be paying on your credit card debt. Business credit cards offer comparable aprs to that of personal yeast infection blisters credit cards, but aprs do vary by card and are influenced by yeast infection blisters your credit scores and income. If you are applying for a business charge card, make sure you understand the fees.

• know the eligibility requirements for the card you select. In particular, you should know the credit score requirements for the card. If you end up getting denied, understand that multiple credit card applications over an extended period yeast infection blisters can damage your personal credit scores.

You might think that your company needs to be incorporated yeast infection blisters to apply for a small business credit card, but it doesn’t. You can apply for a small business credit card if yeast infection blisters you have an LLC, a partnership, or as a sole proprietor. 2. You don’t need an employer identification number.

While business credit card applications will ask for your company’s employer identification number (EIN), you won’t have one if you are operating as a sole yeast infection blisters proprietor. You can use your social security number (SSN) instead. 3. Business credit cards aren’t covered by the same rules as personal cards.

The CARD act of 2009 created some new rules that yeast infection blisters credit card issuers had to follow, but it also carved out some major exceptions for business yeast infection blisters credit cards. For example, the CARD act requires a minimum 21-day grace period (for cards that offer one). It also makes card issuers apply payments to the highest yeast infection blisters interest rate balances first and give customers a 45-day notice before raising rates on future charges. Yet small business credit cards are exempt from these requirements. Thankfully, many credit card issuers have chosen to voluntarily apply these yeast infection blisters rules to their small business cards. 4. Your personal credit will likely factor into whether you get yeast infection blisters approved.

Most small business credit cards are approved based on your yeast infection blisters personal credit score and require your personally guarantee to open yeast infection blisters an account. Some cards will report to your personal credit report, your business credit, or to both — here’s a quick cheat sheet on major issuers’ policies. 5. There are business credit cards for different types of credit.

Just as with personal credit cards, there are business credit cards that are tailored to your yeast infection blisters credit profile. For example, capital one offers its spark classic card for small business yeast infection blisters owners with average credit. It has a $0 annual fee, and offers a modest 1% cash back on every purchase. But for small business owners with excellent credit, capital one offers the spark cash card that features 2% cash back for your business on every purchase, everywhere. With an annual fee of $0 intro for first year; $95 after that.

If you enjoy using your personal credit card to earn yeast infection blisters points and miles with your favorite airline or hotel loyalty yeast infection blisters program, you can add to your rewards with a small business yeast infection blisters credit card. When you apply for either a personal or a business yeast infection blisters credit card that’s co-branded with an airline or hotel, you will be asked for your loyalty program number. Since you’ll use the same number for the rewards you earn yeast infection blisters from both your business and personal credit cards, all of your points and miles will be pooled.

And if you’re earning rewards directly with a credit card program, you’ll also have your points combined. For example, the american express membership rewards and the chase ultimate rewards yeast infection blisters programs both allow you to combine the rewards you’ve earned from your personal and business credit cards.

Many business credit cards are nearly identical to the personal yeast infection blisters version. For example, the delta skymiles reserve card from american express comes in yeast infection blisters both a business and a personal version, each with a $450 annual fee. Both cards offer priority service when flying delta as well yeast infection blisters as access to their skyclub lounges, regardless of which credit card you use to pay for yeast infection blisters your tickets. Therefore, you might want to think twice before getting both the yeast infection blisters business and personal versions of the same card. Related card articles