Getting a business credit card is easier than you think Here’s how.

But if you want a business credit card with higher rewards rates along with enhanced features and benefits — like complimentary airport lounge access and anniversary credits — you’ll likely have to pay an annual fee. But if your spending habits fit well with the credit card, the rewards and other benefits may offset the annual fee. You are not required to use a business credit card for business expenses, but there are benefits to doing so.

TrueBlue Mosaic, which includes a second checked bag, free inflight alcoholic beverages, free upgrades and more, is in reach when you spend $50,000 on the card each year. That said, JetBlue’s domestic route map is mostly made up of cities on the coasts, making the card less appealing to someone who doesn’t live near an airport the airline serves. It’s easy to accumulate a lot of rewards with the IHG One Rewards Premier Business Credit Card. What’s more, you’ll get a free night when you book award stays of four or more nights, making it a solid choice for longer business and personal trips. Whatever card you pick, we hope you enjoy your new spending power―and the rewards and perks that come with it. It earns up to 5x points and gets you some other travel and technology perks.

United Club℠ Infinite Card

Additionally, American Express has one of the most robust benefits programs out there with protections including purchase protection² and extended warranty coverage². For a modest $95 annual fee, the Hilton Honors American Express Business Card delivers remarkable value to Hilton loyalists. The 10 complimentary lounge visits issued each Priority Pass Membership year with this card are worth about $300 annually, plus you’ll earn Hilton Honors Gold status. Frequent business travelers who spend generously within the bonus categories will find extreme value in this card. We’ve found great credit card picks for all sorts of businesses and needs, but you’ll have to figure out which one works best for your specific business.

Those who routinely make purchases of $5,000 or more may find the rewards potential on the  Ink Business Premier hard to beat. You’ll also earn big rewards for travel booked through the Chase Ultimate Rewards® travel center. If you’re after the highest rate of cash back alone, it’s possible that another card would provide more value. The World of Hyatt Business Credit Card marries an ongoing earnings structure with the ability to use card spending as an extra boost toward earning status with the chain. With a generous welcome bonus, an anniversary night awarded upon renewal and the fourth night free on award bookings, the IHG One Rewards Premier Business card offers a myriad of ways to be rewarded.

Best for Earning Rewards on Office Supplies: Ink Business Cash® Credit Card

A personal guarantee promises the card issuer that if your business can’t pay back your balance, you — the individual — will. As a result, late payments may impact not only your business credit, but your personal credit, too. There are a few business credit cards that don’t require a personal guarantee, though. The Credit Card Accountability Responsibility and Disclosure Act of 2009 (Card Act) created new consumer protections for credit card users, like limiting credit card fees and sudden changes to interest rates. But the rule doesn’t extend to business credit cards — which means interest rates can change with little warning and you may encounter fees that you’re not used to on personal credit cards.

Zero-interest business credit cards let business owners take advantage of promotional APR offers. During this time, you can avoid interest charges for up to 12 or 18 months depending on the offer. Business credit cards are revolving lines of credit that help cover short-term what is business credit cards expenses and assist in building business credit. They give business owners the chance to earn rewards on all eligible business-related spending and may even offer bonus cash back, points or miles in select categories like business travel or office supplies.

Chase Freedom Unlimited®

Earn 2X points on dining, takeout, restaurant delivery and cell service providers. The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. Separating business spending from personal spending can save owners a significant amount of bookkeeping time. This proves particularly useful for periodic accounting, applying for a loan, and during tax-filing times throughout the year. Sign in to activate a Chase card, view your free credit score, redeem Ultimate Rewards® and more.

You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. Let’s face it — there’s a lot of jargon and high-level talk in the credit card industry. Our experts have learned the ins and outs of credit card applications and policies so you don’t have to. With tools like CardMatch™ and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions.

After putting herself through college, Mariah became interested in using personal finance to achieve financial freedom—whether that means paying down debt or using credit card points to take a dream vacation. She’s written and edited hundreds of articles about the topic and feels passionately about helping other millennial and Gen Z women live their best lives. If you want to check your business credit for free, CreditSignal® is a tool from Dun & Bradstreet that monitors your credit file for changes. It comes with a 14-day introductory period where you can see credit scores and ratings for free.