Business Credit Cards Credit Cards

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Business Credit Cards

When it comes to running a business, most Australians will use a business credit card to help them manage expenses. For many, their business or corporate credit card offers plenty of advantages that will not only provide them with the capital needed for purchases, but also a way to keep track of their expenses for tax purposes.

While this type of credit card is superficially similar to a personal credit card, there are differences that you will need to know about before making the decision to get one of these cards.

What are Business Credit Cards?

Put simply, this is a credit card which is designed for use to your business. It is designed to pay for and keep track of your expenses much like a personal credit card. The card itself will carry an interest rate, carry records of transactions and can be used to make purchases from many different businesses. However, this is the type of credit card that features the name of your business, so it will operate under somewhat different rules that your personal credit card.

There are credit cards made for small businesses that may include entrepreneurs who are starting up their own companies to corporate cards used for businesses that meet certain qualifications. However, most people who use business cards run their own small company where having this type of credit offers real advantages.

Why Use a Business Credit Card?

First, you can separate your personal from your business expenses much easier than before. The business card allows you to make sure that all of your payments and particularly the ones that can be deducted from your taxes are present in one form.

Track Expenses: You can bring up all of your business expenditures in seconds thanks to having them on your card. You can instantly check to see where the money is going and what changes you can make to run your business more efficiently.

Larger Lines of Credit: Generally speaking, a business credit card will carry a larger line of credit than a personal one. This can be quite helpful when you need to pay for large amounts of supplies, new equipment or cover expenses that you may not have planned for originally.

Flexible Payment Options: This is an important advantage as you can pay your bills or purchase items when needed only to pay off the debt at a more convenient time. This way, you can use the credit card to pay for items needed right now and then pay off the debt from the money your business produces.

Reward Programs: Another helpful aspect of business credit cards is that they can offer you bonuses which are geared towards what companies need. Such rewards can be very beneficial when it comes to ensuring your business stays on track.

If there are any issues that Australian business owner run into with their credit cards, it is that the interest rates might change or new rules can be put into place which may alter how you make purchases. However, these are generally small and rare occurrences which do not detract from the overall value of the business credit card.

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ANZ Banking Group Limited

10/833 Collins St
ANZ Centre
Melbourne, Victoria 3000

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Bank of Queensland Limited

259 Queen St
Brisbane, Queensland 4000

Bank of Queensland Limited is one of the oldest financial institutions of Australia and has its headquarters in Brisbane, Queensland.

Bendigo and Adelaide Bank Limited

The Bendigo Centre
Bendigo, Victoria 3550

Bendigo and Adelaide Bank Limited came into existence in 2007, when the merger between the Bendigo Bank and Adelaide Bank took place.

BOQ Specialist Bank Limited

2 Chifley Square
The Chifley Tower
Sydney, New South Wales 2000

Known widely as the specialist banking service provider, BOQ Specialist Bank Limited has been in the business of providing professional, dedicated and

Commonwealth Bank of Australia

201 Sussex Street.
Tower 1
Sydney, New South Wales 2000

Commonwealth Bank of Australia is one of the largest banks in Australia, forming one of the top four banks of the country - CBA

Heritage Bank

400 Ruthven St
TOOWOOMBA, Queensland 4350

Heritage Bank is the biggest customer owned or mutual bank in Australia, and has over $8.5 Billion in assets.

Hume Bank

492 Olive Street
Albury, New South Wales 2640

Primarily catering to the customers in Southern New South Wales and North Eastern Victoria, Hume Bank Limited has a strong hold in providing excellent


222 High Street
Kew, Victoria 3101

BankMecu banking products include home loans, car loans, personal loans, business loans, mortgage loans, credit cards, insurance products,

Macquarie Bank

50 Martin Place
Sydney, New South Wales 2000

Macquarie Bank Limited is the largest investment bank in Australia, and also one of the top merger and acquisition advisers in the country.

National Australia Bank

800 Bourke Street
Docklands, Victoria 3008

NAB - National Australia Bank head office featuired in the Australian Financial Services Directory

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