Small Business Credit Cards

Small business credit cards were designed to help those families and individuals that often have difficulty getting credit lines, since they own their own business. You would think that owning a small business would spark some interest, rather these people, like those will bad credit are considered risky candidates for credit lines. In this article, we are going to review some of the small business credit cards, what they offer and why some cards are not your best options.

The Gold Delta SkyMiles Small Business Cards are one of the cards that may not benefit you, since the APR: Prime + 9.99% have recently increased to 13.99%. The Balance Transfer APR on the Gold Delta is 9.99% fixed rates for the endurance of the 'balance, and for the balance transfers made up to six months of the cards membership. The annual fees on few of these cards start at $85 for the standard cardholder. This applies also to additional cards, 'unless you are the cardholder' that qualifies for the "Business Charge Card Product." In this case, your annual fees are reduced to $30 for the standard cards. Of course, they present a slick by offering the cards to small business owners for the first year, free. You must have good credit ratings to apply for this card. Otherwise, the fees may increase, if you are able to get the card.

The Business Gold Card from OPEN: the Small Business Network has no financial charges, with no pre-set limits for spending, and the first year the card is free. The annual percentage rates are free for the Additional cards also. The company will send you a monthly 'expense management report' as well as offering 'online account management. Again, you must have good credit to qualify for the Business Gold.

The Platinum Business Cards from American Express have no annual fees, and "pay over time" plus 0% APR up to nine months on all purchases made on the card plus the balance transfer. The card is good for small business owners that have good credit.

The Blue Cash for Business Cards offer 5% cash rebates and enable you to earn money back on eligible purchases on the credit card. The small business owners are offered a 0% introductory APR on all purchases up to the first six months. The cards have a 'built-in smart chip for Internet security,' and have no limits on the cash rebates. This card qualifies small business owners with good credit.

Let's stop and review the cards shortly to see which cards are best for you? I'm considering the last card on the list, since the Blue Cash for Business Cards offer cash back rewards, and does not appear to have an annual fee. However, I would read the Terms & Conditions, since it might state in the agreement that an annual fee will apply after the first year. You want to know what the fee is on this card. The cards that promote annual fees are cards you want to be careful of when applying, since some have hidden stipulations and fees. The card offers a 0% APR for six months, but what APR will you pay after the six months has ended? The "Built-in Smart chip for Internet Security is also appealing, since this is not always offered with credit cards, and the security is worth paying an annual fee, since you are protected. NOTE: be sure to look in the Terms & Agreements, searching for Fraud Protection. Since the card providers put a chip on the card of course you are protected more so if you didn't have the chip; still you want to know what the fees if any are if the card is lost or stolen. There should not be any fees; however, some card providers will do their best to get money.

The three preceding cards may be of some value, however, the offers do not seem appealing since you have high interest rates possibly after the Introductory, and as well, you have annual fees with no rewards.

Tony Robinson is a careful and experienced credit card user, He is also a Webmaster and International Author. Check out his credit card tips at http://www.ezy-credit-card.com/

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