CREDITCARDS - BUSINESS
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Little Known Rewards You Can Get
From Business Credit Cards
From Business Credit Cards
by: Debbie Dragon
Many small business owners might feel the need to shy away from
credit cards, to avoid the temptation to overspend or because they
prefer to pay for everything in cash. What business owners may not be
aware of, however, are the often-overlooked “extras” that come with
business credit card rewards programs.
Think about the typical credit card rewards program- it may offer one
point per dollar spend on the card, and be rewarded in the form of cash
back or points redeemable for merchandise or travel. While these can be
beneficial when used correctly, credit cards can offer a whole range of
additional benefits to the business owner.
Get a Mini-billboard! Some credit cards are customizable, and literally
let you put your business name and/or logo directly on the card. Every
time you take your credit card out to make a purchase, you are placing
your company in front of prospective customers.
Client gift possibilities just by re-gifting the rewards you earn.
Whenever your credit card rewards program offers you gift certificates
as rewards, you can use these as a wonderful client gifts. Enclose them
in a nice card and mail to a deserving client.
Reduce the amount of money you owe. For any credit card that offers
cash back rewards; look for one that offers the rewards in the form of a
credit posted to your credit card account. This actually reduces the
amount you have to pay for your purchases; and a 5% cash back rewards
card is the same as shopping a 5% off sale!
Manage your employee spending. If you have employees that must
make purchases on behalf of your business, you can select a business
credit card that offers free employee credit cards on your account, with
customizable limits. This means you can limit the amount of purchases
people are allowed to make, and you don’t have to keep as close an eye
on it. Most business credit cards offer quarterly statements, with
purchases divided by each individual credit card on the account- making
it easy to see who’s buying what and how much it’s costing you!
Travel benefits. For anyone who travels, no matter how infrequently,
you should never discount the travel benefits that come with credit
cards. From travel accident insurance coverage to lost baggage
coverage, these benefits can save you hundreds of dollars if you ever
need to use them; and don’t cost you anything to have them when they’
re included with your business credit card.
Personal assistant. Some credit cards even come with a concierge
service, which is similar to having a personal assistant at your disposal,
24 hours a day, 7 days a week. Call the phone number on your card and
you can have someone help you with directions, make last minute
reservations at a local restaurant, get your travel arrangements
scheduled, or send your wife flowers- all while driving to your next
appointment.
As a small business owner, using business credit cards can offer you
a wide range of benefits that are not as well known to the majority of
people. Before you rule out a credit card you should look into the
“extras” and see whether or not they’ll benefit you and your business.
Many small business owners might feel the need to shy away from
credit cards, to avoid the temptation to overspend or because they
prefer to pay for everything in cash. What business owners may not be
aware of, however, are the often-overlooked “extras” that come with
business credit card rewards programs.
Think about the typical credit card rewards program- it may offer one
point per dollar spend on the card, and be rewarded in the form of cash
back or points redeemable for merchandise or travel. While these can be
beneficial when used correctly, credit cards can offer a whole range of
additional benefits to the business owner.
Get a Mini-billboard! Some credit cards are customizable, and literally
let you put your business name and/or logo directly on the card. Every
time you take your credit card out to make a purchase, you are placing
your company in front of prospective customers.
Client gift possibilities just by re-gifting the rewards you earn.
Whenever your credit card rewards program offers you gift certificates
as rewards, you can use these as a wonderful client gifts. Enclose them
in a nice card and mail to a deserving client.
Reduce the amount of money you owe. For any credit card that offers
cash back rewards; look for one that offers the rewards in the form of a
credit posted to your credit card account. This actually reduces the
amount you have to pay for your purchases; and a 5% cash back rewards
card is the same as shopping a 5% off sale!
Manage your employee spending. If you have employees that must
make purchases on behalf of your business, you can select a business
credit card that offers free employee credit cards on your account, with
customizable limits. This means you can limit the amount of purchases
people are allowed to make, and you don’t have to keep as close an eye
on it. Most business credit cards offer quarterly statements, with
purchases divided by each individual credit card on the account- making
it easy to see who’s buying what and how much it’s costing you!
Travel benefits. For anyone who travels, no matter how infrequently,
you should never discount the travel benefits that come with credit
cards. From travel accident insurance coverage to lost baggage
coverage, these benefits can save you hundreds of dollars if you ever
need to use them; and don’t cost you anything to have them when they’
re included with your business credit card.
Personal assistant. Some credit cards even come with a concierge
service, which is similar to having a personal assistant at your disposal,
24 hours a day, 7 days a week. Call the phone number on your card and
you can have someone help you with directions, make last minute
reservations at a local restaurant, get your travel arrangements
scheduled, or send your wife flowers- all while driving to your next
appointment.
As a small business owner, using business credit cards can offer you
a wide range of benefits that are not as well known to the majority of
people. Before you rule out a credit card you should look into the
“extras” and see whether or not they’ll benefit you and your business.
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