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Build And Grow

How a Small Business Credit Card Can Help Your Business Thrive

Bryan Hughes 2022-webBy Bryan Hughes

Bryan is Senior Vice President and Chief Sales Officer at First Bank. He has been a First Bank team member since 2008 and banker since 2003. Bryan is a graduate of the University of Southern Indiana where he earned a Bachelor of Science in Marketing. He enjoys delivering smart solutions to businesses and families to help them bank more efficiently to reach goals and financial success.

Navigating the financial landscape as a small business owner can be challenging, but with the right tools and resources, it can become a lot more manageable. One such tool is a small business credit card, and when used responsibly, it can provide a range of benefits to help your business thrive. From enhancing your financial flexibility, aiding cash flow management, to reaping rewards, and potentially boosting your credit score, we will explore how a business credit card can be a catalyst for your business growth.

Understanding the Benefits of a Small Business Credit Card

Running a small business requires financial flexibility. Unexpected expenses can pop up at any time, and having the means to cover these costs promptly can make all the difference. This is where a small business credit card comes into play. It provides an accessible line of credit that can be used to handle these unexpected costs, allowing business operations to continue smoothly without major disruptions.

Cash flow management is another significant advantage provided by a small business credit card. It allows businesses to make necessary purchases even during periods of low cash inflow. This means that operations can continue without being hampered by temporary financial constraints. Moreover, with a clear record of your spending, tracking business expenses becomes more straightforward, making financial planning and budgeting more efficient.

One of the enticing aspects of a small business credit card is the rewards and incentives attached to it. These could come in the form of cash back, points, or miles, all of which can be reinvested into the business. For instance, cash back can offset some business costs, while accumulated points or miles can be used for business travel.

Lastly, a small business credit card can contribute positively to your business credit score. Much like a personal credit score, a business credit score reflects your business's financial responsibility. By using your card responsibly and making payments on time, you can build a strong credit profile.

Features to Look For in a Business Credit Card

business-credit-cardWhen searching for a small business credit card, it's important to consider the features that best suit your business' needs. The interest rate is one of the most important factors. This is crucial in reducing the overall cost of borrowing, especially if you plan to carry a balance from month to month. But it's not only about the interest rates. A comprehensive rewards program can also add significant value to your card, therefore, look for cards that offer cash back, travel rewards, or points that can be redeemed for business-related purchases.

Another essential feature is robust fraud protection. As a business owner, you need to be confident that your financial information is secure. A business credit card with strong fraud protection measures can provide that peace of mind.

Things to Consider Before Applying for a Business Credit Card

Applying for a business credit card is a significant financial decision, and it's essential to make sure you're prepared and have all the facts. One of the first things to consider is the credit limit you require. A higher credit limit allows for more significant purchases and expenses, which can be beneficial for business growth and expansion. However, ensure the credit limit doesn't tempt you into overspending, leading to debt that could harm your business' financial health.

Understanding the terms and conditions of the credit card is another essential step. This includes knowing the penalties for late payments, any associated fees, and the interest rate after the introductory period. Be sure to read these terms carefully to avoid any unexpected charges or financial setbacks.


Understanding your financial options can bring a wealth of advantages and open new opportunities for your venture. That’s why First Bank is committed to supporting local businesses through expert guidance and competitive solutions, like the First Bank Visa Signature® Business Rewards credit card. Designed to help fuel your business' growth, our card offers robust fraud protection, plus an extensive rewards program allowing you to earn points on every purchase, which can be redeemed for travel, merchandise, or even cash back.

We take the hassle out of banking, partnering with businesses to simplify money management needs through innovative solutions that support growth. Let’s work together to make your business journey a successful one.


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