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Q: I am looking for a business card, but I don’t really like American Express. What other card companies offer a good business card and what should I look for when applying for one?
A: It should not be hard to find an alternative business card to American Express as practically all credit card companies offer business credit cards. By conducting a little research and comparison, you can find the one that best meets your business needs.
Of course, you want to look for a business card that offers a low interest rate, as this, along with additional fees and finance charges is what will determine your monthly payments. Make several comparisons, and be sure to read the terms and conditions so that you will know if there are any restrictions or limitations to the interest rates.
Next check the finance charges and other fees associated with the business card. A good interest rate won’t do much good if these additional expenses are high. You might want to choose a card with a slightly higher interest rate but lower annual fees and other charges.
Also look for cards with good credit limits. Low interest rates and other things won’t help much if you are limited in your spending power.
Once you have found a business card with good interest rates and credit limits and low fees and finance charges, then you can concentrate on such things as “perks”. These can include rewards programs, discounts for making purchases or other transactions through specific companies or retail outlets, and other benefits.