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He used his good credit with the roofing distributor as a reference to help him get approved for a higher limit on his small-business credit card.

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Now he uses a small-business credit card to pay for those same materials in lieu of using the distributor’s payment terms and earns thousands (sometimes tens of thousands - if he’s earning a business card welcome offer!) of free travel rewards from his 12 to 15 roofing jobs every month. Once the customer paid for the completed job, he would pay down his line of credit. He used to buy these materials from a roofing supply distributor using 30-day terms offered by the distributor. Materials for each new job cost roughly $1,000 to $6,000. Not doing so is like leaving money on the table.Ī friend of mine owns a roofing company. I have slowly convinced every friend and colleague to start using small-business credit cards for their businesses.

Watch your travel rewards balances grow!.

Use your business card for business expenses.

Compare business cards to find the best fit for your particular circumstances.

Operate a small business with the intent of making a profit.

Here are the steps to take if you’re considering applying for a small business credit card:

Local business card shop sf how to#

How to qualify for a small-business credit card It’s easier than you think to earn miles and points with a small business. Your work as an independent contractor may also count, especially if you get a 1099 form from your employer. You may qualify if you have a side hustle like hosting on Airbnb, selling on eBay or freelance writing or design. To qualify as a small business, you must be a for-profit enterprise - but you might be eligible even if you haven’t turned a profit. Because the bonus categories are tailored to small-business expenses, it’s a good alternative to a personal card. If you’re a small-business owner, a business credit card is a great way to separate business and personal expenses. Who can apply for a small-business credit card?īusiness owners can apply for business credit cards. In contrast, a personal credit card is intended for one’s personal use. (Photo by Monkey Business Images/Shutterstock) What is a small-business credit card?Ī business credit card is meant to be used by a business for business expenses. You don’t need to own a full-time business, like a coffee shop, to qualify for a small-business credit card. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.įor more information, please see How we make money. We also include editorial content to educate consumers about financial products and services. We have partnerships with advertisers such as American Express, Brex, Capital One, Chase, Citi, Wells Fargo and Discover. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. This page may include: credit card ads that we may be paid for (“advertiser listing”) and general information about credit card products (“editorial content”). All information is presented without any warranty or guarantee to you. And the advertised offers may be subject to additional terms and conditions of the advertiser. So, your actual offer terms from an advertiser may be different than the offer terms on this site. We strive to keep our information accurate and up-to-date, but some information may not be current. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. To support our work, we are paid for providing advertising services. Our reporters create honest, accurate, and objective content to help you make decisions.