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Our Pick Of The Best Business Credit Cards

Bethany Garner
Editor

Published: Jul 5, 2024, 11:00am

Laura Howard
Editor

Reviewed By

Important Disclosure: The content provided does not consider your particular circumstances and does not constitute personal advice. Some of the products promoted are from our affiliate partners from whom we receive compensation.

If you require any personal advice, please seek such advice from an independently qualified financial advisor. While we aim to feature some of the best products available, this does not include all available products from across the market. Although the information provided is believed to be accurate at the date of publication, you should always check with the product provider to ensure that information provided is the most up to date.

If you own or run a business, you may benefit from a business credit card. A business credit card – which will be in your company name rather than your personal one – can offer a flexible way to borrow money up to pre-set allocated credit limit.

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What are the best business credit cards in 2024?

We’ve scoured the market (July 2024) to find what we believe to be the best deals to suit various purposes, from low fees and interest rates (APR), to cashback and rewards. You can find out more about how the cards are ranked in our methodology section below, and more information at our Frequently Asked Questions.

FEATURED PARTNER OFFER

BEST FOR POINTS

The American Express® Business Gold Card

The American Express® Business Gold Card
5.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Representative APR (variable)

N/A

(charge card)

Annual fee

£195

(free for first year)

Key perks

Earn 1 Membership Rewards® point per £1 spent

The American Express® Business Gold Card
Apply Now

On American Express's Website

Representative APR (variable)

N/A

(charge card)

Annual fee

£195

(free for first year)

Key perks

Earn 1 Membership Rewards® point per £1 spent

Why We Picked It

If you want to claim rewards for your business spending, The American Express® Business Gold Card is more than worthy of consideration.

For every eligible £1 spent on the card, you’ll earn one Membership Rewards® point. When you use the card to book flights, hotels, and car hire through American Express Travel, you’ll also get an additional one point per £1 spent.

And if you spend £20,000 per quarter, you will rack up a further 10,000 Membership Rewards® points.

Once earned, points can be traded for rewards such as shopping gift cards, flights and upgrades, or dining out.

You can request additional complimentary Cards for your employees at no extra cost.

As a charge card, there’s no set spending limit or interest rate, but you’ll need to pay off your balance in full every month to avoid being hit with fees.

Pros & Cons
  • Collect 1 Membership Reward® point for every eligible £1 spent
  • Membership Rewards® points bonus every quarter
  • Request complimentary employee cards at no extra cost
  • Up to 54 days interest-free on spending
  • £195 annual fee (waived for the first 12 months)
  • Balance must be paid off in full every month
  • Late payment fees
FEATURED PARTNER OFFER

BEST FOR LOW APR

capitalontap credit card

capitalontap credit card
5.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

APR (variable)

15.5%*

(minimum APR – representative APR 35.2%)

Annual fee

£0

£99 to join Business Rewards programme

Key perks

1% unlimited cashback

Representative example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 35.2% p.a. (variable), the APR could be 35.2% (variable). Credit available subject to status.

capitalontap credit card
Apply Now

On capitalontap's Website

APR (variable)

15.5%*

(minimum APR – representative APR 35.2%)

Annual fee

£0

£99 to join Business Rewards programme

Key perks

1% unlimited cashback

Representative example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 35.2% p.a. (variable), the APR could be 35.2% (variable). Credit available subject to status.

Why We Picked It

Capitalontap combines a low APR with zero fees. But your business will only qualify for the lowest APR deal if it has an excellent credit rating.

The APR offered on this card can be as low as 15.5% APR. But bear in mind this is the best case scenario (available to those with the best credit scores) and you may be offered much higher. Be aware that the representative APR on this business credit card is high at 35.2%.

You can request unlimited additional cards for your company, while cardholders get unlimited 1% cashback on purchases. Credit limits are available up to a maximum of £250,000.

Account holders who sign up to the Business Rewards program, which costs £99 per year, can also collect one point for every £1 spent. There’s a welcome bonus of 10,000 extra points if you spend £5,000 or more in the first three months. Points can be redeemed for extra cashback, e-giftcards, or Avios points.

Pros & Cons
  • APRs as low as 15.5% (variable)
  • Earn reward points to spend on cashback, Avios, or e-giftcards
  • Unlimited 1% cashback
  • Card compatible with accounting software
  • Only businesses with a £24,000+ turnover are eligible
  • Must be a private limited company or partnership
  • You could be offered a much higher APR
FEATURED PARTNER OFFER

BEST FOR SMALL BUSINESS

Santander Business Cashback Credit Card

Santander Business Cashback Credit Card
5.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Representative APR (variable)

23.70%

Annual fee

£30

Key perks

Unlimited 1% cashback

Representative Example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 18.90% p.a. (variable), the representative APR is 23.70% (variable). Credit available subject to status.

Santander Business Cashback Credit Card

Representative APR (variable)

23.70%

Annual fee

£30

Key perks

Unlimited 1% cashback

Representative Example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 18.90% p.a. (variable), the representative APR is 23.70% (variable). Credit available subject to status.

Why We Picked It

With low annual fees and the scope to add up to three additional cardholders at no extra cost, this card is ideal for small but growing businesses. In fact, you will need to be a sole trader or in a business with no more than two partners, members, or directors to qualify.

The main account holder can manage credit limits for all additional cardholders.

The card also offers unlimited 1% cashback on all business purchases, so the £30 annual fee will be offset so long as you spend at least £3,000 a year.

Bear in mind that you’ll need a Santander Business current account to apply.

Pros & Cons
  • Unlimited 1% cashback
  • Add 3 additional cardholders at no extra cost
  • No foreign exchange fees
  • £30 annual fee
  • No points earning system
  • Need to be a Santander business current account holder to be eligible
FEATURED PARTNER OFFER

BEST FOR BASIC

American Express® Basic Business Card

American Express® Basic Business Card
4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Representative APR (variable)

N/A

(charge card)

Annual fee

£0

Key perks

No annual fee

American Express® Basic Business Card

Representative APR (variable)

N/A

(charge card)

Annual fee

£0

Key perks

No annual fee

Why We Picked It

This no-frills charge card from American Express comes with no annual fees, and no spending limit. It could be a good option for smaller businesses and sole traders, as you don’t need a minimum turnover to be eligible.

As a charge card, there’s no interest to pay — but watch out for late payment fees that kick in if you don’t pay off your balance in full every month.

You can request additional complimentary Cards for your employees at no extra cost.

Pros & Cons
  • No upper spending limit
  • No annual fee
  • Request additional Cards
  • No minimum turnover to be eligible
  • No cashback
  • No rewards
FEATURED PARTNER OFFER

BEST FOR MANAGING SPEND

RBS Business Plus credit card

RBS Business Plus credit card
4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Representative APR (variable)

29%

Annual fee

£70

per cardholder

Key perks

Up to 2% cashback

Representative Example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 13.90% p.a. (variable), the representative APR is 29.0% (variable). Credit available subject to status.

RBS Business Plus credit card

Representative APR (variable)

29%

Annual fee

£70

per cardholder

Key perks

Up to 2% cashback

Representative Example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 13.90% p.a. (variable), the representative APR is 29.0% (variable). Credit available subject to status.

Why We Picked It

The Business Plus credit card from Royal Bank of Scotland (RBS) offers a generous cashback incentive of up to 2%, depending on what you purchase. You’ll get at least 0.5% cashback on all purchases, 1% on eligible fuel and accommodation, and 2% on eligible trade or business suppliers up to an annual limit of £400.

But you’ll have to be an RBS business bank customer to get the credit card.

The card comes with an annual fee of £70 for each cardholder, so you’ll need to be spending enough to offset this cost with cashback.

The card can help a business manage their expenses and spending through the ClearSpend app, which is free for card holders. It can help you analyse card spending and draw up reports.

This card could also be a good option if you or your employees frequently travel abroad, since there are no foreign exchange fees to pay. You’ll also get access to RBS’ ClearSpend app, which lets you manage transactions and credit limits for all cardholders.

Pros & Cons
  • Up to 2% cashback on eligible purchases
  • No foreign exchange fees
  • ClearSpend app lets you view and manage spending
  • £70 annual fee per cardholder
  • No points earning system
  • Need an RBS business bank account
FEATURED PARTNER OFFER

Best for flexibility

Funding Circle FlexiPay

Funding Circle FlexiPay
4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Representative APR (variable)

N/A

transaction fees from 3.90% apply

Annual fee

£0

Key perks

Use for all business spending

Funding Circle FlexiPay

Representative APR (variable)

N/A

transaction fees from 3.90% apply

Annual fee

£0

Key perks

Use for all business spending

Why We Picked It

Funding Circle’s FlexiPay card offers greater flexibility than a traditional business credit card. As well as purchases, it can be used for a range of other business expenses – including recurring bills, VAT, rent, supplier payments and even wages.

Bear in mind that if you’re paying bills or a supplier, the minimum transaction value is £100, athough there is no minimum for other types of spending.

The card comes with no annual fee, and there’s no interest to pay. Instead, customers are charged a set fee for each transaction. Fees start at 3.9%, but could be higher.

Once a purchase or transaction has been made, cardholders repay in regular monthly installments over three, six, nine or 12 months.

You can keep track of spending and repayments online, or via the FlexiPay app.

Pros & Cons
  • Multiple uses
  • 0% interest
  • No annual fee
  • Repayment periods up to 12 months
  • Transaction fees apply
  • Employee cards not available
  • £100 minimum transaction for bill and supplier payments
FEATURED PARTNER OFFER

Best for spending in Europe

Metro Bank Business Credit Card

Metro Bank Business Credit Card
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Representative APR (variable)

18.9%

Annual fee

£0

Key perks

Fee-free spending in Europe

Representative example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 17.44% p.a. (variable), the APR could be 18.9% (variable). Credit available subject to status.

Metro Bank Business Credit Card

Representative APR (variable)

18.9%

Annual fee

£0

Key perks

Fee-free spending in Europe

Representative example

The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.

At an assumed credit limit of £1,200, at a purchase rate of 17.44% p.a. (variable), the APR could be 18.9% (variable). Credit available subject to status.

Why We Picked It

If you regularly travel within Europe for business, this Metro Bank credit card could be worth considering. It charges no fees when using your card within 35 European countries, including France, Germany, Italy and Spain.

Bear in mind that outside Europe, a 2.99% transaction fee applies, however.

There’s no annual fee, and the card charges one of the lower APRs, at 18.9% – which applies to all customers. Provided you pay your bill in full each month, purchases are interest-free for 56 days.

You can also request additional cards for employees.

You’ll need to have a Metro Bank Business bank account to be eligible for this card.

Pros & Cons
  • Low APR of 18.9%
  • Fee-free spending in Europe
  • Add additional cardholders
  • No monthly fee
  • Non-sterling transaction fees apply outside of Europe
  • No cashback or business perks
  • Must have a Metro business bank account

Summary: Our Pick Of The Best Business Credit Cards


COMPANY FORBES ADVISOR RATING ANNUAL FEE KEY PERKS BEST FOR LEARN MORE
The American Express® Business Gold Card 5.0 5-stars-removebg-preview £195 (free for first year) Earn 1 Membership Rewards® point per £1 spent BEST FOR POINTS Learn More On American Express’s Website
capitalontap credit card 5.0 5-stars-removebg-preview £0 (£99 to join Business Rewards programme) Unlimited 1% cashback BEST FOR LOW APR Learn More On capitalontap’s Website
Santander Business Cashback Credit Card 5.0 5-stars-removebg-preview £30 Unlimited 1% cashback BEST FOR SMALL BUSINESS View More
American Express® Basic Business Card 4.5 4.5-removebg-preview-1 £0 No annual fee BEST FOR BASIC View More
RBS Business Plus credit card 4.5 4.5-removebg-preview-1 £70 per cardholder Up to 2% cashback BEST FOR MANAGING SPEND View More
Funding Circle FlexiPay 4.5 4.5-removebg-preview-1 £0 Use for all business spending BEST FOR FLEXIBILITY View More
Metro Bank Business Credit Card 4.0 4-removebg-preview-2 £0 Fee-free spending in Europe BEST FOR SPENDING IN EUROPE View More

Why you can trust Forbes Advisor’s ratings

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate product providers, so all companies and products are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.

  • Market-wide survey of leading business credit card companies
  • Rigorous assessment of card features and benefits
  • Thorough analysis of pros and cons

What is a business credit card?

Business credit cards are available to businesses of any size and are sometimes referred to as ‘company credit cards’. They work in the same way as a personal credit card but, instead of being issued in your name, they are issued to your business.

A credit card gives your business access to a revolving line of credit with a set credit limit. There are no set repayments for the money borrowed, but you’ll need to make at least the minimum repayment each month.

Like a personal credit card, a balance on a business credit card will incur interest if it’s not repaid in full each billing cycle.

You can have multiple cards issued for staff who can use them to pay for business expenses. It’s advisable to set down clear rules about which expenses can be put on credit cards and how much employees can spend. The company will be responsible for repaying the debt, not the individual employee.

How do I find the best business credit card for my company?

There are a range of alternatives when it comes to business credit cards. Some providers specialise in certain types of business, while others specify a minimum or maximum turnover.

But you’ll also need to think about what you want from the card.

For example, if you plan to pay off the balance in full each month, you may as well find one that offers cashback or rewards on spending – and these perks can be much more attractive on a business credit card than a personal credit card.

Whether you want just one card for the whole business or supplementary cards for each employee will also be a consideration. Some cards charge one single annual fee, for example, while others apply annual fees separately to every cardholder.

Once you’ve identified providers offering suitable business credit cards for your requirements, compare deals and check whether you’d be eligible. Most providers carry out a soft credit check which won’t show up on your credit report, but it’s worth doing some homework on how this works regardless.

How to apply for a business credit card

  • Get pre-approved. Most business credit card providers initially carry out a soft credit search which will not be visible on your business credit report. This enables you to find out if you’re eligible before making an official application which will be visible
  • Check your personal credit score. In some cases, your personal credit score might also be searched
  • Research credit card options. There is a wide range of business credit card options available, each with different fees, interest rates, rewards, benefits and promotions
  • Pick the best card for your needs. Once you’ve looked at choices, you’ll need to narrow it down to one card that fits your business’ priorities
  • Complete the online application. You’ll need to provide information such as your company name and registration number, annual turnover, accounts, and tax statements
  • Submit your application. Many credit card decisions come instantly, though a few may take a few days to process
  • Receive your business card. This can take up to seven business days – although you may be able to use a digital version of the card sooner.
Pro Tip

Kevin Pratt, editor Forbes Advisor:

“Whether you have one credit card for the whole business or issue one or more team members their own cards, remember it’s the business that is responsible for the entire debt and not the individual.”

What types of business credit cards are available?

Some of the most common types of business credit cards include:

  • low interest rate cards: come with a low, or zero, introductory interest rate on new purchases. As a result, they can be useful if a business is looking to purchase a larger value item as they provide a longer period over which to repay the debt. However, the interest rate will increase after the introductory period ends
  • cashback and reward cards: provide cashback as a percentage of spending, or points and other rewards These may appeal to businesses who have high expenditure and the means to repay the balance in full each month
  • travel cards: don’t charge foreign exchange fees on overseas purchases and may be attractive to businesses with extensive travel requirements.

What are the pros and cons of business credit cards?

Pro

  • Convenience: credit cards are an easy way for employees to pay for business expenditure
  • Line of credit: business credit cards can offer an interest-free period of up to 56 days, depending on the provider
  • Monitoring expenditure: businesses can set credit limits for each employee’s card and track expenditure
  • Foreign exchange transactions: some credit cards offer more favourable foreign exchange rates than other forms of payment
  • Simple administration: businesses pay one combined bill per month and itemised statements can be linked to accounting software

Cons

  • Unauthorised spending: although credit limits cap overall spending for each employee, credit cards could be used for personal, rather than business, expenditure. Businesses also have to honour payments made by employees on credit cards
  • Risk of expensive debt: while credit cards can be a useful tool to manage cash flow, there is a risk of overspending and interest charges can add up if outstanding balances aren’t repaid in full each month
  • Fraud: as with all credit cards, there is a risk of fraudulent use.

 Interest rates on business credit cards tend to be higher than on personal credit cards, so avoid building up a balance if you possibly can. Money wasted in interest payments would be much better spent on growing and developing your business.

How popular are business credit cards?

According to the most recent British Business Bank Finance Survey, 39% of British small- to medium-sized businesses sought finance in the last three years, including 35% which sought finance that was not government-backed.

Of the SMBs that sought finance in 2022, just over a one-in 10 (12%) got a business credit card. You can see how this compares to other kinds of business finance in the chart below.

What are the alternatives to a business credit card?

There are a number of alternative financing options available to businesses. One option is a business loan, typically for a fixed period of time over which the business repays both the capital and interest. We’ve researched this in our pick of the best loans for small businesses and start-ups.

Another option is to agree an overdraft facility to a business bank account, although this will depend on the provider and the credit history of the business. This is effectively a line of credit and interest is charged on the overdrawn amount.

What’s our methodology?

To rank these business credit cards, we’ve considered the following criteria:

  • Interest rate on purchases: as measured by representative APR (variable). We also looked at whether the cards had a monthly or annual fee
  • Availability: whether cards are available to everyone or just existing business banking customers. We have aimed to focus on cards that don’t require you to be an existing customer, although some in our list do have this as a requirement
  • Cashback: a small percentage of your card spending that is credited to your account
  • Any other perks or benefits: such as reward points, low or no fees for overseas use and budgeting tools.

As both fees, perks and other criteria can vary considerably between cards, we’ve looked at what we believe to be the best business credit cards for the following purposes.

  • Cashback and points
  • Low APR and fees
  • Managing spending
  • No-frills basic use
  • Small but growing businesses

Frequently Asked Questions (FAQs)

Why get a business credit card?

Business credit cards can be useful for several reasons. These include:

  1. keeping your business expenditure separate from your personal spending
  2. controlling your cash flow
  3. borrowing money or spreading the cost of business purchases
  4. managing employee expenses
  5. buying fuel for drivers in the company
  6. building your company’s credit history
  7. integration with accounting software
  8. earning rewards and cashback
  9. removing the requirement for petty cash

Can my business get a business credit card?

Business credit cards are available to all kinds of business including sole traders and start-ups, limited companies and partnerships, small to medium-sized businesses (SMEs) as well as large firms.

Each business credit card will have different eligibility criteria. These might relate to:

  1. business size
  2. company turnover
  3. holding a bank account with the same provider
  4. the business being registered in the UK
  5. credit status and checks
  6. a personal guarantee from the business owner
  7. certified company accounts

If you are setting up a new business and so don’t have evidence of turnover or a business credit profile, your own credit score and financial situation will come under more scrutiny and you may be asked to provide a personal guarantee for the company credit card.

How much do business credit cards cost?

Some business credit cards come with an annual fee, although this is often waived in the first year.

Interest rates on business credit cards tend to be slightly higher than personal credit cards. But you can avoid paying any interest at all by repaying the card balance in full each month. Interest rates may differ depending on whether you are making a purchase, withdrawing cash or using the card abroad.

Overseas transactions on a business credit card may also be subject to foreign loading fees and currency conversion fees.

Some business credit cards offer 0% interest introductory offers on purchases or balance transfers.  Supplementary or extra business credit cards might be free – or there might be a fee per card.

Business credit cards will levy additional fees if you go over your credit limit, or don’t make at least the minimum repayment each month.

Do business credit cards offer rewards?

Yes, and these can be a lot more attractive than the rewards on personal credit card. Typical rewards on business credit cards include:

  1. cashback on purchases
  2. discounts at selected retailers
  3. reduced membership fees of business organisations
  4. membership points or air miles

Can a business credit card affect my personal credit?

While the business, rather than the individual, is responsible for debts incurred, business credit cards can also affect an individual’s personal credit score.

Lenders may check an individual’s credit report as part of their initial assessment, which could have a negative impact on their personal rating. In addition, business credit card providers may share account activity with consumer, as well as commercial credit reference agencies.

Most business credit cards require a personal guarantee, meaning that business owners become personally responsible for any debts the business defaults on. An individual’s credit score may therefore be damaged if the card provider seeks to recover any debts from the individual.

Can I use a personal credit card for business expenditure?

It is possible to use a personal credit card for business expenditure. It can also be a useful way to manage cash flow for early-stage businesses that do not yet have access to credit.

However, the individual is liable for any debts on a personal card, rather than the business, and it may be difficult to track personal and business expenditure separately.

In the longer term, it also reduces the opportunity for a business to build its credit history and makes it more difficult to monitor employee expenditure.

Can I get a business credit card with bad credit?

Credit card providers are legally required to ensure they lend responsibly so will assess a business’s credit history as part of the application process. This can create an issue for businesses with poor, little or no credit history.

However, businesses can take steps to improve their chances of being accepted by ensuring that personal and business debt repayments are made on time.

They can also use eligibility checker tools provided on providers’ websites which show the likelihood of an application being successful. This requires only a ‘soft’ rather than ‘hard’ check, which can have a negative impact on a credit score. However, a hard check will still be carried out as part of the formal application.

Alternatively, individuals can offer personal guarantees on business credit cards, but this can be a high-risk option due to the individual taking personal responsibility for any business debts.

There are also business credit cards targeted at businesses with bad credit scores, but these tend to have much higher interest rates, lower credit limits and more onerous terms.

How do I open a business credit card?

The application process will be different for every credit card provider. You can usually apply online, by phone, on a banking app, or by visiting a branch.

To apply for a business credit card, you will need to provide some, or all, of the following:

  1. business details including company name and registration number
  2. your personal details
  3. desired credit limit
  4. financial details such as company turnover, accounts and tax statements

How do I build a business credit score?

A strong business credit score can help you secure the credit you need at an affordable rate.

You can help your score by paying all bills on time, keeping up with any debt repayments (a business loan for example), and ensuring your business and personal finances are kept separate.

Good record keeping, particularly filing taxes and business accounts on time, can also support your business credit score.

Our guide explains more about business credit score, including how you can make regular checks.

Business Credit Cards
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Bethany Garner Editor

I’ve been writing for a broad array of online publications for four years, always aiming to make important insights accessible. It’s my goal to ensure that as many people as possible can make informed decisions about their money, and get the most out of their finances with the least amount of stress.