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Separation. Business and personal expenses on separate instruments is the single largest practical benefit. It simplifies bookkeeping, supports expense claims, and matters if the business is ever reviewed.
Employee cards. Multiple cards on one account with individual limits and consolidated reporting.
Higher limits, generally, since the assessment includes business revenue.
Expense reporting integrated with accounting software on many products.
An important distinction in the business market.
A charge card must be paid in full each month. There is no revolving balance and frequently no preset spending limit, with charges assessed against spending patterns and payment history instead. Because there is no revolving balance there is no purchase interest rate, so any card comparison showing an APR for a charge card is showing something that does not exist.
A business credit card revolves like a personal card, with a limit and a purchase rate.
The charge card suits a business that clears monthly and wants flexible spending capacity. The credit card suits one that occasionally needs to carry.
Most Canadian small business cards carry a personal guarantee. The business is the account holder and the owner is personally liable.
That has two consequences: the owner's personal credit is assessed on application, and business card debt can affect the owner personally if the business fails. It is not the ring-fence people assume.
For genuinely short-term expenses cleared monthly, a card is efficient and often rewarding.
For working capital gaps carried across weeks or months, a business line of credit costs materially less. Business card rates sit well above business line rates, and the difference across a carried balance is significant.
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