Best Business Credit Cards
Australia consists of thousands of small businesses, as well as medium businesses and large corporations. If you are anywhere in the business you can find and compare different business credit cards and to then finding the right one suited to you and your business.
Compare the Best Business Credit Cards
| Credit Card | Card Details | Interest Rate p.a. | Cash Advance Rate p.a. | Balance Transfer Rate p.a. | Annual Fee | Interest Free Days (Up To) | |
|---|---|---|---|---|---|---|---|
|
Excellent business card, complimentary business concierge & travel insurance. Half Price annual fee for first year |
20.49% | 20.99% | 2.9% for 9 months | $74 for first year ($149 after) | 55 | |
|
A business card with no annual fee for the first year plus complimentary travel insurance both domestic and international. Plus access to AMEX Membership Rewards |
$0 for first year ($169 after) | 51 |
Australia consists of thousands of small businesses, as well as medium businesses and large corporations. If you are anywhere in the business you can find and compare different business credit cards and to then finding the right one suited to you and your business.
If you already are running a business it’s likely you feel you have enough bills on your plate as it is, let alone worrying about another monthly bill. But, by applying a few easy tips shown below you can learn how to save money and effort with a business credit card best suited for you. with the best business credit card you can enjoy benefits such as:
- Many smart choices and an easier running business can be the result of practical and efficient research for applying and using a business credit card.
- The credit cards and their deals are endless so make sure to research and compare till you’re happy with a deal for you and your business.
Compare the Best Business Credit Cards
Although the pros that come along with a business credit card are endless, given wrong decisions and ‘easy money’ choices it can cause great distress to your business and send it into debt. But, comparing different small business credit cards can have many benefits and bonuses that help your business get ahead and the result will leave you with the best suited card, because only the one suited card will never stop catering to your needs. To compare the best business credit card deals for your usage:
- Carefully go over all the needs of your small business, by going through such things as where does most of your money go, internationally? Nationally? Is the card accepted where need be? This is one of the most important steps and should definitely affect your choice of which small business credit card you choose.
- The closer you are with spending within your cards budget, the more bonuses and help it will serve to you and your business. Look for such things as what each individual card has to offer, ask plenty of questions and be sure of what your small business will need in the near future so your card can cater to its growth.
- It ‘s very likely that you already have at least one personal credit card, so once you choose a business credit card it is very vital to keep them separate from one another. Using business cards for personal needs and vice versa, can cause confusion and should be a last resort, it can cause long term debt and make your small business less ‘trustworthy’.
- Every business document, receipt and file, is very important to keep on record and this shouldn’t be an exception to your credit card spending. It only takes a small amount of time to go through what you’ve spent previously that month and can save you problems, confusion in the long run. This also helps you have a clear knowledge of how to use each of your credit cards to their own advantages. Small business credit cards and personal credit cards should be treated very differently so each card can help to its potential when used for the right purchases.
Applying For The Best Business Credit Card Deal
Applying for a small business credit card is very similar to applying for a personal credit card, and you should follow these steps to apply:
- Identifying yourself as the card holder.
- Having an ABN
- Knowing a realistic credit limit by seeking the help of an accountant or financial advisor.
- Remember that the card will be in your name but Australia’s card protocol needs 100 points of identification to apply for a small business credit card so make sure you can provide that.
- This process will most likely also involve the bank asking you what kind of credit limit you want/need for you business card. A financial advisor or accountant will come in handy when it comes to not having the highest limit, but the most realistic one that you and your business will ultimately be comfortable with.
Remember, adequate researching and comparing will help you find a small business credit card that could potentially help your business grow more than you ever thought, not to mention support you in displaying a responsible, professional image to your clients. So ask questions!
The best business credit card deal can help your business grow and thrive into the future, outstripping your competitors, but only if you make the right choice now. Find out more about how to compare and use a business credit card, to ensure it remains an asset.
Editors Choice: Best Credit Card Deals
| Credit Card | Card Details | Interest Rate p.a. | Cash Advance Rate p.a. | Balance Transfer Rate p.a. | Annual Fee | Interest Free Days (Up To) | |
|---|---|---|---|---|---|---|---|
|
An excellent balance transfer offer of 1.9% p.a. for 12 months and a standard purchase rate of 12.24% |
12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
|
Excellent credit card, with a 0% p.a. for 6 months balance transfer offer, and pay $0 for the life of the card |
16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
|
Enjoy 1.9% p.a. for 12 months on balance transfers as well as earn 3 Skywards Miles for every dollar spent, plus all the benefits & privileges of a platinum card. |
20.74% | 20.74% | 1.9% for 12 months | $229 | 55 |