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Why Your Small Business Needs a Dedicated Credit Card

As a small business owner, you keep a close watch over everything that has to do with your business, including the finances.

small business owner on phone

As a small business owner, you keep a close watch over everything that has to do with your business, including the finances.

It can be tough to juggle business purchases and payments, and it might seem like a dedicated credit card would be just another bill to pay, but a business credit card can have real benefits for your small business.

Here are some of the key reasons we recommend getting a business credit card.

Added Security for Your Business

One of the major reasons we recommend dedicated credit cards to our business customers is security. A dedicated small business credit card can actually serve as an added layer of protection from fraudulent use in the event your card is ever lost or stolen. If your business credit card account is ever compromised, and you notify your credit card provider promptly, your funds should be returned to you. That is an assurance you don’t necessarily have if you’re using other types of business cards.

Kennebunk Savings Business Credit Cards come with Visa’s Zero Liability, identity theft and fraud protection, so you can have peace of mind knowing that your credit card account has multiple layers of protection.

Employee Cards offer Flexibility and Control

Do your employees make business-related purchases? Whether they’re paying for gas to drive to a sales meeting or picking up supplies for the business, it can be difficult to keep track of the reimbursement process or share a single business card between multiple users.

Small business credit cards give you the ability to issue employee cards with varying credit limits, all tied to a single account. So Jenna in purchasing can have her own card with a $5,000 limit, while John in sales can have his own card with a $1,000 limit. You can control the card credit limits and where individual cards can be used. And you can view all the card transactions through an online expense management tool, keeping an eye on how much employees spend on business expenses.

Credit Card Rewards for Businesses

Like personal credit cards, some business cards come with rewards, like cash back and points programs. For example, with the Kennebunk Savings Visa® Business Cash Card you can earn cash back on office supply purchases, phone and internet services, and restaurant and gas purchases. In the small business world, those rewards can add up quickly.

For more information on Kennebunk Savings’ business credit cards, click here and check out our Business Credit Cards page or contact us at 1-800-339-6573.

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