AZ Business Credit Cards

Business credit cards can vary drastically on terms, with a variety of interest rates, rewards and other features. One thing they all have in common, however, is a monthly payment schedule and ability to help your business grow with the careful use of credit.

It’s also a great way to track expenses and, for small businesses and entrepreneurs, separate personal finance from your business.

Scroll down to learn some tips on how to choose the right card!

Horizon Community Bank offers a variety of business credit cards to help your business achieve its goals. Come in to a local branch to apply for a new business credit card in Lake Havasu City, Mesa, Ft. Mohave, Parker or Quartzsite, or call for current interest rates.

If you’re already a customer, be sure to ask about our multi-product discounts and incentives!

We’re here to help.

So how do you choose a new business credit card?

Taking time to evaluate why you need a business credit card for your Arizona business and how that credit might be used is an excellent place to begin.

Comparing total cost of having the card is also essential. For example, an ability to earn rewards or cash back might seem valuable initially, but not if the interest rate is excessive compared to another card. An annual fee also might not be a bad thing, if it’s balanced with improved benefits and a lower interest rate. Considering the total costs can quickly determine the right fit.

Business Credit Cards imageA few other details are also important to understand. Many don’t realize that consumer protections don’t apply to business credit cards, which is a great reason to be sure to avoid personal spending on the business credit card.

It also might have some sort of personal guarantee of payment. If you provide employees with credit cards and their own spending limits, you might be responsible personally for paying off the balances they incur with your own funds if the business cannot.

It’s often helpful to speak with your banker before deciding, just to be sure you chose the right business credit card for your needs. Ask us today for some no-obligation tips!


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