Guides
Business Credit Cards
How to choose, use and qualify for business credit cards: startups, no personal guarantee, 0% APR, building business credit and Puerto Rico.
How to Get a Business Credit Card With a New LLC (and the Truth About EIN-Only Cards)
Yes, a brand-new LLC or sole proprietor can get a business credit card. What issuers check, what an "EIN-only" card really is, and how to apply step by step.
How to Build Business Credit: D-U-N-S, Paydex and Net-30 Accounts
A step-by-step plan to build business credit separate from your personal credit: EIN, D-U-N-S number, net-30 vendors, cards that report and the scores lenders see.
Corporate Cards (Ramp, Brex, Divvy, Mercury) vs. Bank Business Credit Cards
Corporate cards skip the personal guarantee but ask for cash in the bank. How they differ from bank business cards, who qualifies and which fits your company.
0% Intro APR Business Credit Cards: How to Use Them Without Getting Burned
A 0% intro APR card can finance a purchase interest-free for months. How the math works, a simple payoff plan, and when an SBA loan or line of credit is cheaper.
Business Credit Card vs. Line of Credit vs. SBA Loan: Which One When?
Cards, lines of credit and SBA loans solve different problems. A side-by-side comparison of cost, speed and limits, with real examples of when to use each.
Business Credit Cards in Puerto Rico: Local Banks and U.S. Issuers
Which business credit cards you can get with a business in Puerto Rico: Popular and FirstBank cards, U.S. issuers that accept PR businesses, and ones that don't.
Business Credit Cards for Fair Credit and Secured Business Cards
Options when your credit is fair or rebuilding: fair-credit business cards, secured business cards with a deposit, and corporate cards that skip personal credit.
Cash Back vs. Points: Is a Business Card’s Annual Fee Worth It?
How to compare flat cash back, bonus categories and travel points, and a simple formula to decide if an annual fee pays for itself at your spending level.