How To Get A Business Credit Card?

 If you're looking to set up a new business and start accepting credit cards, it's time to get your credit scores in order. You'll need a solid personal financial history (including a good credit score), but that alone isn't enough: Your business may not be established or there might be other reasons why obtaining an account with one particular bank would be difficult or impossible. That's why we've put together this guide on how to get approved for a business credit card as quickly as possible so that you can start taking payments from customers right away!

Make sure a business credit card is right for you.

  • Make sure you understand the terms and conditions.

  • Understand what a business credit card is, and whether it's right for your business needs.

  • Decide whether the interest rate will be too high or too low based on the amount of money you'll be spending each month, how often you plan to use your card and many other factors.* If possible, try to get a card that has no annual fee or one with an introductory period (such as 2 years) before fees kick in if any apply.* Make sure there are no fees associated with making purchases using this type of account (such as late payment charges).

Have a strong personal credit score.

Your business credit score is based on your personal credit score, so if you want to get a business credit card, it’s important that you have good personal credit. This means that if your personal FICO® Score is 720 or higher (you can check yours for free at, then chances are good that you’ll also be able to get approved for the same type of card with fewer hurdles than someone with lower scores.

If this sounds like something that would work for you and your company, there are several things we suggest doing before applying for a business-specific card:

Make sure your business is established and can accept credit cards.

Before applying for a business credit card, make sure your business is established and can accept credit cards.

Businesses must be registered with the appropriate government agency (for example, in the UK it's HMRC). It’s also important that you have an appropriate tax number which shows that you are legally trading as a sole trader or company. You may need to apply for an account with one of the major banks such as LloydsTSB or Barclays bank if they don't already have one set up for you automatically when opening an account online. This will allow them to process payments made by credit card companies like American Express who will accept payments via debit cards but not credit ones - so make sure it's set up correctly before applying!

Get approved for the right business credit card for you.

  • Look for a credit card with low fees.

  • Look for a card that has rewards you can use, like cash back or bonus miles.

  • Check to see if there are any restrictions on the card, such as an annual fee or a limit on how many purchases you can make in an account period (which could be bad news if you're looking to get approved).

It's easier than you think to get a new business credit card.

A business credit card is a great tool for any small business owner. It's not only an easy way to get your name out there, but it also helps you build up your credit score so that when the time comes to buy something like a home or car, you'll be able to borrow money at a lower interest rate. And while it’s true that most people use their personal cards for things like gas and groceries these days, many other businesses still struggle with finding lenders willing to issue them with an account in their name—which means they can't get discounts on everything from travel tickets (the airlines) or hotel rooms (the hotel chain).

But now there's hope: The folks at American Express have come up with an innovative solution called AmEx Offers™—a suite of offers that gives businesses access not just one but several different types of discounted services from merchants all over America!


So, now that you know what to do, it's time to apply for your business credit card. Just remember that there are many different types of cards out there and the one you choose will depend on your financial needs and how much customer service experience you want from the company. We hope this article has given you some information about how to make sure yours is right!

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