Small business professional working on her laptop at her store

4 benefits of a business credit card

Get more out of your business credit card using these tips

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. Use data to make better decisions 

The more data you have access to, the more informed decisions you can make about your spending patterns. A business credit card can help by consolidating your monthly purchases, giving you a simple path to analyzing your spend. For instance, the Amazon Business Prime American Express Card offers enhanced data views so you can see Amazon Business purchases listed item by item in an easily downloadable file from your online statement.


3. Delegate purchasing responsibility 

Delegating buying to your employees not only allows you to focus on more strategic work, 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. 


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.  

With the Amazon Business Prime American Express Card, Card Members choose between rewards or extra time to pay interest free on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. Rewards for the Amazon Business Prime American Express Card include: 

  • 5% Back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership.1 Earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter. 

  • 2% Back on purchases at U.S. restaurants, U.S. gas stations and on wireless telephone services that are purchased from U.S. service providers  

  • 1% Back on other purchases 


Amazon Business Prime American Express Card Members also earn rewards for purchases on Employee Cards. Terms apply. 
 

1See Benefit Terms 

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