What type of credit card does my small business need?

Dec 16, 2024 | 5 min read

Learn about the different small business credit card options and select the ideal one for your needs.

Just like personal credit cards, business credit cards are designed to help with short-term purchasing needs. When you’re opening your own business, a credit card can help with operating expenses, giving you more flexibility as you grow your operations. But not every business credit card is created equal, so here’s what to consider in order to choose the right type of credit card based on your needs.

What should I look for when shopping for a small business credit card?

The most important thing to consider is whether a card suits your business. Business credit cards offer lots of features and rewards that regular consumer credit cards don’t always provide, and each type of card can be leveraged differently. For example, if you buy items from many different vendors, look for a card that gives cash back in multiple categories. Or, perhaps you have multiple employees using the same card – in that case, you’d want something that has customizable controls.

There are also some general features a good business credit card will have. Something with a low APR or a valuable rewards program will save you money in the long run. Little things can make a big difference, so shop smart and choose wisely.

Not sure what type of credit card you need? Explore the various U.S. Bank credit cards and select the one that meets your business credit card requirements.