: Most issuers require you to be personally liable if the business cannot pay the debt.

: You can earn high rewards on categories like shipping, office supplies, and digital advertising.

: Business cards are not covered by the CARD Act, meaning issuers can sometimes change interest rates without the same notice required for personal cards.

: Using these cards responsibly helps establish a credit history for your business, which is separate from your personal profile. Cons & Risks

: They often provide significantly higher limits than personal cards to cover large inventory or equipment costs.

Best Business Credit Cards for April 2026 - Intuit Credit Karma