When you're ready to pick a business credit card, the last six to nine months of expenses can help you narrow down your choices. Virtually all business credit cards offer features and perks for certain categories, like travel, shopping, restaurants, and gas. If your business spends most often in a few specific categories, there are business credit cards that offer the best rewards for those transactions.
If you or your employees travel on business, consider travel rewards business credit cards. If you prefer a specific airline, you can also get branded business credit cards that offer additional perks. There are also gas cards for businesses if you travel by road rather than air.
Even if your personal credit isn't in the best shape, you can still qualify for a rewards business credit card. You could also start out with a secured business credit card. Secured cards require a deposit to open the account, which serves as your credit limit. Once you've built up a good payment history, you can get your deposit back and increase your credit limit before you apply for an unsecured business credit card.
You can also get rewards for things like subscriptions, phone and internet services, and office supplies. There are cards designed for startups or new ventures and established businesses that need big shipping budgets. If you need to make a large purchase, some cards offer 0% APR for a few months to allow you time to pay it in full without interest.
By identifying how your business spends money and what it needs to function, you can figure out which type of business credit card offers the best perks and features for you.