4 benefits of a business credit card

Many small business owners switch from a personal credit card to a business credit card as a way to simplify accounting – at least initially. And while keeping personal and business expenses separate will save time when you balance your books, there are many other surprising benefits to a business credit card. 

1. Buy what you need, when you need it 

Business credit cards typically offer a larger line of credit than your personal card, which means you can buy the things your business needs, when you need them. If a critical piece of equipment breaks, you can fix or replace it without having to dip into your cash reserves. Or if you want to stock up on necessary supplies with Quantity Discounts or a vendor’s going-out-of-business sale – you’ll be able to even if you don’t have the cash on hand. 

2. Integrate with accounting software

A business credit card can streamline financial management by simplifying bookkeeping, tax preparation, expense tracking, and budget oversight. The Prime Business Card, for example, seamlessly integrates with leading accounting platforms like QuickBooks, enabling you to automatically sync transactions and categorize expenses—eliminating manual data entry and reducing the risk of errors.¹  for example, seamlessly integrates with leading accounting platforms like QuickBooks, enabling you to automatically sync transactions and categorize expenses—eliminating manual data entry and reducing the risk of errors.¹ 

3. Delegate purchasing responsibility 

Delegating buying to your employees not only allows you to focus on more strategic work, but it also empowers them to make necessary purchasing decisions without waiting for your sign-off. Many business credit cards offer employee cards that link to your business’ main account. You can easily monitor the purchases made on those cards, set spending limits, and receive alerts if an employee uses a card outside the merchant categories you’ve approved.
 

The Prime Business Card makes it easy to track expenses in real-time, store digital receipts, control business spend, and manage accounting reconciliation for multiple employees with these key features:

• Additional cards at no cost: Get additional cards with automatic alerts, limits, and spend reporting. Turn employee purchases into business rewards.

• Built-in fraud protection: Zero liability fraud protection, and real-time alerts to help keep your account secure.

• Virtual cards: Pay for tools, software, and services securely without using your primary card.

4. Invest your rewards back into your business 

Some business credit cards let you earn rewards on your purchases in the form of points, miles, or cash back. While points or miles may be beneficial for some business owners, choosing a card that earns rewards means you can turn around and use them toward business purchases. 

The Prime Business Card is designed to help you manage your business. With 5% back in rewards and no annual fee or foreign transaction fees, you can take control of your cash flow and get access to enhanced benefits designed to help your business thrive. Rewards for the Prime Business Card include:
 

• 5% back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%.¹

• 2% back automatically on your top 3 categories outside of Amazon on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%.¹

• An additional 1% back on eligible purchases when you choose Amazon Day Delivery, bringing the total rewards to 6% back.²

• Unlimited 1% back on all other eligible purchases anywhere Mastercard is accepted.

• No annual fee or foreign transaction fees, so you can do business on your terms wherever you are.¹
  
   

¹_{See No Annual Fee, No Foreign Transaction Fees and Full Terms.}
 

²_{Amazon Day Delivery: This is a shipping offer related to your Prime membership; it is not a discount on items purchased. Offer is available only to Amazon.com customers with an eligible Prime membership and the Prime Business World Elite Mastercard® in the United States. Offer is inclusive of the standard % back offered on Amazon.com purchases with an eligible Prime membership. e.g., Prime Business World Elite Mastercard® cardholders with an eligible Prime membership earn 5% back at Amazon.com, plus an additional 1% back or more when they select Amazon Day Delivery at checkout, bringing the total rewards on such purchases to 6% back or more. Offer only applies to products shipped by Amazon. Offer is not eligible for the purchase of software subscriptions, gift cards, digital video games or memberships. If you cancel your Amazon Day Delivery order or change the shipping speed, the offer will not apply to your purchase. Offer is nontransferable, not redeemable for cash, and may not be resold. Offer may not be combined with other offers. Amazon may cancel or modify this offer at any time in its sole discretion.}