Pretty simple really. A business credit card works just like your personal Visa or MasterCard. You make monthly interest payments on any amount you borrow against the card but you can use the money for anything and borrow up to the maximum loan amount. As with all credit cards, making your payments on time every month is essential to maintaining a good credit score, while failing to do so may severely impact your ability to borrow through other types of business financing as your business grows.

A business credit card allows you to establish a credit history for your company, separate from your personal credit history, and, just like your personal credit card, carries rewards that you can use for supplies, gas, travel and other expenses.