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  Category: Articles » Finance » Credit » Article
 

How to Compare Business Credit Cards




By Eric Wasselman

Business credit cards can be a handy tool for business large or small. Like Some business credit cards offer some of the same benefits as personal credit cards. When comparing credit cards, whether business or personal, there are some basic features to bear in mind to maximize your benefits.


These include some of the following:


The Annual Fee


For most business credit cards there are two fees, the company fee and the per card fee. Some credit card companies/banks do not charge an annual fee so a comparison is definitely important her when deciding on the type of card to select.


However, it is important to note that the higher the annual fee on the credit card the higher the credit limit.


Finance charges


Because credit card companies use different yards by which to measure finance charges, it is important that this is taken into account when deciding on a card. Ask if the charge is based on an average daily balance or not.


The APR (Annual Percentage Rate)


Check if after the introductory period is over if you will be placed on a fixed or variable APR. The difference in interest rate between the two can be significant.


Rewards and rebates


Many business credit cards offer cash back rewards; others offer gift certificates, and bonus miles.



Is balance transfer available?


Balance transfer can be a great way to minimize cost; so do check if this available. Query if there are any fees applied to balance transfer.



Value of liability protection


Since business credit cards are used by staff members of a company, it is important to know whether or not there is any liability protection attached to the card and if yes, how much. Business credit cards can be easily abused and this will help protect the business against unauthorized charges.


While not all business cards offer this benefit, it is worth considering before making a final decision whether or the card allows you access and manage your account online.
 
 
About the Author
To compare business credit cards, Eric Wasselman recommends Find Credit Cards. Please see http://www.findcreditcards.org/type/business.php for more information.

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  Some other articles by Eric Wasselman
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The Top 3 Visa Credit Cards
It is not easy to select the top three Visa credit cards as comparison is normally done based on certain ...

The Top 3 MasterCard Credit Cards
According to www.bankrate.com , the top three MasterCard's based on carry a balance were issued by Capital One, Pulaski Bank and Trust Company , ...

The Top 3 HSBC Bank Credit Cards
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The Top 3 Discover Credit Cards
Discover credit cards are another popular credit card. The top three cards according to online research are the Discover Platinum card, The Miles Card from Discover, ...

The Top 3 Citibank Credit Cards
The top Citibank (Citi) credit cards were selected based on the introductory purchase APR (Annual Percentage Rate). • Citi Platinum Select Offering a 0 APR on balance transfer for twelve months and no annual ...

  
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