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If you want to start up a new company or manage your existing business more efficiently, consider applying for a business credit card. They have all necessary services and features to streamline your expense management, reduce paperwork and finance your business to thrive and grow. You can also apply for a corporate credit card if this type of plastic fits your company better. Many people think that business and corporate credit cards are the same plastics but with different names. Actually, it is not so. Read about their differences to make the right choice.

"Business credit card" is a general definition which means all credit cards designed for satisfying business people's needs. These plastics can be divided into two sub-types: small business credit cards and corporate credit cards. No matter what size of business you are running; there is always a business credit card that will work for you.

Small business credit cards are developed to fulfill the needs of small and medium sized businesses. They give their users numerous advantages: you can separate your business expenses from personal ones, create monthly and annual reports, track cash flow and earn substantial credit card rewards.

The small business credit card offers and terms are publicized for everyone to see. So if you want to apply for a small business credit card, you can go online and choose the plastic that suits the needs of your daily business operations best.

Corporate credit cards, as it follows from their name, are aimed at corporations, for example universities or state government departments. Corporate credit can be used in different areas of business: to buy a real estate property, equipment, machinery, or to support a company's marketing campaign.

A corporate credit card can be customized to match the specific needs of a corporation. If a company wants to apply for a corporate credit card, the management and the credit companies discuss what specific options and services the company needs to manage its finances better. That's why consumers and small business owners do not see corporate credit cards advertised in traditional media or Internet.

Corporate credit cards let companies order additional plastics for their employees. Since corporations employ a large number of personnel, its expenses are more complex. The credit cards let them track, review, approve and reimburse their employees expenditures through custom designed software programs.

The next difference of corporate and small business credit cards is who must pay off the credit card balance. For small business credit cards, the payments should be made by the person who applied for the credit card. The payment responsibility for corporate credit cards is placed upon the managers or CEOs who run the corporation.

Even if the differences between business credit card types can be a bit confusing, it won't probably be a mistake to conclude that credit cards advertised in the mass media or online are targeted at small or medium sized business sector. If you or your company needs a credit card, you can browse a wide selection of beneficial business credit card offers from Citibank, Discover and Advanta on our site and apply online for the credit card that will work best for your company.