7 Smart Ways to Use Business Credit Cards at a Startup

John Boitnott
5 min readNov 21, 2019

If you’re considering launching a startup, small business or purchasing a franchise, then you’re probably thinking about your finances. Perhaps you’ve even thought about how business credit cards can help you finance operations and manage cash flow.

Yet, you want to make sure you make smart business decisions about how and when to use credit. After all, you don't want to put what you’re building at risk.

There are many ways small business owners can use a business credit card. When launching a startup, you can use these cards to maximize available credit, extend cash flow and add value.

Here are 7 smart ways using credit cards could help you as a business owner:

1. Business credit cards could help build your credit score.

You can use a business credit card to strengthen your business credit score. Even if you have a strong personal credit history, you’ll need to establish a credit score with the business credit bureaus. A strong company credit profile is important should you need to apply for funding down the line.

Each month, as you use your business card to make transactions and make your credit card payments on time, you build business credit. The better your business credit, the…

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