Let's face it: Sometimes, you just need a little extra money in order to make that next big move which will take your business to another level. Whether it is an important business trip to increase the size of your network, a strategic planning session for your employees, an employee training seminar, or just the extra cash you need to improve the decor and functionality of your offices, a business credit card is an excellent way to get the money you need to grow your business quickly.
The Discover Business card offers all of the above advantages of using a business credit card and more. This business card is now offering an introductory period of twelve months. This means that for the first year you use the card, you will not be charged any APR. After your introductory period has ended, the credit card has a standard APR of 12.99% on all purchases. You will also enjoy the convenience of being charged no annual fee on your card when you apply to use it for your business purposes.
The Discover Business Card offers several unique advantages to their users, not the least of which is the Cashback Rewards program. When you use your credit card, you are eligible to receive a percentage of your purchases back in the form of cash! The Cashback Rewards system offers variable percentages of cash return depending on the purchase. When you buy office furniture and supplies, you are eligible to receive 5% of your purchase price back when you use your card. You also qualify to earn 2% back on purchases of gasoline, and up to 1% cash back on all other purchases made by swiping this valuable credit tool. The Cashback Rewards program goes even further. By teaming up with more than 60 brand-name partners allows users to double their rewards!
If you are currently using other companies for your business credit needs, Discover Business Card encourages you to take advantage of their no transfer and low interest consolidation fees in order to keep a closer watch on your outstanding debts. Transfer your outstanding balances and receive an APR of 5.99%!
In order to keep a close watch on your business expenses, the Discover Business Card allows applicants to ask for additional, free cards for the use of their employees. These convenient cards allow a business owner to keep close tabs on business spending through the ability to monitor the usage of these cards through one easily accessible account. These employee cards come with customizable limits in addition to monthly reporting. Finally, the principle card owner will qualify for all rewards that are gained when an additional card is used!
Of course, no card is any good to a business owner if the company is hard to reach with any questions or concerns. The Discover Business Card respects your valuable time by ensuring that a representative will be available to help you in less than a minute after your call is received. You can also take advantage of the fact that the Discover Business Card makes your records available for download in the QuickBooks program format.
Bank Business Credit Card
When choosing a business credit card, financial advisors recommend that you look at your business needs in order to decide upon the card best suited to your requirements. With such a great selection of cards available this almost goes without saying. On the surface most of the cards appear very similar but dig a little deeper and you will find a whole host of differing incentives. It is these incentives that may make one card perfect for your business and place it ahead of others. As always you can compare cards on the Internet and even apply online if you want too.
Many cards come with features that will be of value depending on the type of company that you run. For example, some cards offer free Airmiles or other travel related perks, such as travel insurance. Travel offers of this sort will obviously be helpful if your employees need to do a lot of travelling for work-related reasons. Other cards provide discounts on good and services that your company may use. One card, for example, offers discounts on car and van hire with a major UK hire company. Once again, the value of these discounts depends on the sector you are in and your day-to-day activities. There are even a number of cards that allow you to create a discount package yourself with the help of a financial consultant.
As mentioned above, one of the best features of business credit cards is that they help simplify your businesses purchasing processes. You can have more than one card attached to an account so that you can give cards to employees who need them. Each individual card can be given a specific spending limit so that you can allocate them depending on the individual's responsibilities and remit. These credit limits can often be changed simply and easily online wherever they need to be. Most cards come with some kind of insurance to secure your business against employee misuse.
Another attractive feature is that most business credit cards come with a form of online banking. You will be able to view your balance in 'real-time' as transactions take place. This means that you are always on top of your finances and aware of expenditure. Once again these accounts are all held in one place and can be checked at a glance. From your online service you are often able to manage individual card credit limit as mentioned above. Finally you can view and print past statements whenever you require, making accounting even easier.
With a credit card account you receive one bill at the end of each month, and one bill only. You can pay the bill online with your card company's online banking systems. Online banking is a valuable tool in its own right as you can view you account whenever you want and wherever you are. With online banking you can change credit limits on individual cards as well as view statements and make payments. With online banking you can view and print off past statements as well, which can be vital for maintaining clear audit trails and records of purchases.
Aside from all of the features specifically designed for businesses there are also a number of features that you may be familiar with. For instance, most business credit cards come with a 0% balance transfer offer that is usually in the region of a year. Most cards also have 0% on cash purchases for around three months. Card APR's are very competitive, at around 15.9%. Once you have your business card you will have access to a financial advisor who can be an extremely helpful business ally. Cards are protected against fraud as you would expect and accounts are also constantly monitored for any signs of fraudulent activity. In fact, once you have your business credit cards you may wonder how you ever managed without them!
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