Check repayment capacity.
If the business cannot clear balances reliably, rewards are not the priority.
Buyer Guide
How to choose a business credit card.
A business card can help operations or damage cash flow. Start with repayment discipline, then compare fees, rewards, controls, records, and eligibility.
Steps
Use this order.
Compare real cost.
Interest, annual fees, late fees, FX fees, cash advance rules, and repayment dates.
Review controls.
Employee cards, limits, approvals, receipt capture, categories, and exports.
Track records.
Statements, receipts, fees, interest, rewards, and tax/accounting evidence.
Next
Compare the cards.
Educational only. Verify official terms and consider qualified advice before applying for credit.
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