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For small business or home based entrepreneur owners one can apply credit card more easily. You can choose from a number of available small business credit cards that can be found online.

There are tons of credit cards to choose from, but there are two cards that stand out among the rest. One is STARWOOD PREFERRED GUEST BUSINESS CREDIT CARD. One can earn one Starpoint for every eligible dollar you spend and double Starpoints for stays at participating Starwood hotels. Redeem Starpoints at over 860 participating Starwood hotels with no blackout dates. Transfer Starpoints to over 30 frequent flyer programs. Control and track employee spending by giving them Additional Cards while you earn Starpoints for their purchases. Automatic savings when you use your Card at businesses like FedEx , Delta® , Hertz® , and more. And lastly, no annual fee for the first year, $45 each year thereafter. Their office is available 24/7, the small business team at American Express will help you with billing inquiries, Card replacement, line increases, options for extending payment, and more.

In contrast to GOLD DELTA SKY MILES BUSINESS CREDIT CARD, this credit card is ideal for those who travel frequently. This business card can get you 15,000 SkyMiles with every First Purchase. Earn up to 30,000 Bonus Miles in Your First Year. One can save on air, hotel and car reservations when you book through their Online Business Travel Center. And You Can Redeem Your Miles for Any Delta Seat, Any Time at Delta.com. Pay with Miles is an Exclusive New Benefit for Gold Delta Skymiles Business Credit Card members. Save 5% on All Delta Flights with Your Card. One Delta Mile for Virtually Every Dollar You Spend. No Annual Fee for the First Year – A Savings of $85. And no Annual Fee for Additional Cards.

After choosing, submitting your application can also be done online and the approval or response to your application can be received within minutes. So choose the card that best cater to your needs. If you’ve just started with the business and have yet established your business credit history, your personal credit history will be used for approval. It is your responsibility to evaluate each business credit card, compare one from the other, and weigh your options before choosing the one that best matches the needs of your business. Check out online credit card review sites so you can get an idea of the best or the leading business credit cards in the market.

For more info: http://www.bizcreditcards.org/

One of these is how to finance or track expenses for your business? Are you using cash alone? How many loans should you take out? Should you get credit cards for your business expenses? These are a few of the questions that you have to answer and only a few of the business decisions you have to make.

Why should you get a credit card geared solely for your business? Shouldn’t you just use whatever credit card you have with you at the moment? It’s actually a great investment that you use to turn your business into a better one. You don’t have to worry about interest, most business cards have 0% interest.

Here are the reasons you should consider getting a business credit card:

Business cards help you keep track of your expenses separately – this means that you don’t mix up your personal expenses. It doesn’t matter if you’ve been in the business six months or twenty years, tracking expenses can be a hassle. Anyone who has counted receipts daily or at the end of the month knows this. Business credit cards include all charges made to your account. You can easily see which ones are authorized every single month when you receive your statement. You don’t even have to wait till the end of the month because most credit card providers actually let you access your statement online, every day, free of charge. No twenty minute wait to speak to a customer service representative. Your daily expenses are right there, on your screen, any time you want it.

This is also a great way to keep track of your personal expenses versus that of your company. A lot of business owners pour a lot of their personal finances into the business without realizing how much they are actually putting in. A business credit card will help you remedy that and you can actually see how much you’re spending. This means that it’ll help you keep your credit history clean in the event that the business fails. Business credit cards can be used to establish a separate credit history for your company. Just register it with a credit bureau and you should be able to keep your head above the water if something goes wrong in the future. By tracking expenses (easily done) you can build a great credit history for your business that will also reflect on you.

Your business credit card will probably have the option to give your employees extension credit cards. This an easy way to track employee expenses, especially if it’s done in the name of the business. You can easily see if that business dinner was really a business dinner. It’s also a great way to see how much money you are actually spending.

If you’re savvy and careful about using your business credit card strictly for business, then you will have no problem using business credit cards. You’ll be surprised that you’ve managed so long without them!

For more info: http://www.bizcreditcards.org/

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