When you decide to start a small business, you find out pretty quickly that it takes more than skills and dedication in your respective area of work. Besides being good at what you want to do, you also need to known your accounting and financing issues, no matter how annoying and boring these may be. And credit card problem for small businesses needs careful handling, just like that of a regular, personal credit card.

Choosing right type of credit card is vital for success of a small business. Even if you don't have access to a corporate credit card, a small business card can be a major tool on path to success. When you apply for a small business credit card, lenders will analyze your request from a variety of points of views. While their evaluation of risk may vary according to various local factors, they will all take into account "five Cs": capital, capacity to make payments, collateral, conditions and character.

Capital, meaning your personal investment in business, outlines not only size of business, but also how much risk you are willing to take. Balance risks carefully - too much means you will be rated reckless, too little, and lenders may think you are not serious about this. The capacity to repay loan is, of course, critical for lender and will be carefully analyzed. The collateral or guarantees will show that you have a backup plan for returning loan, in case things go wrong. The conditions represent general situation in your geographical area and your respective line of business - mostly things that you cannot control (but you can make them look better in carefully planned business plan). Last but not least, character is impression you make on lenders - how trustworthy and business-oriented you appear to them.

If you take all these into account, your application is more likely to be successful right from start. Of course, you also need to consider, carefully, which type of business card suits your needs.

We spend money every single day on many different types of products and services and banks' newest offer is that of saving when spending if you use their services; that is if you pay for your expenditures with special credit cards. These credit cards are part of a wide offer and best thing to do is read as many bank-offers as possible before choosing a particular card. Maximizing credit card rewards is not only for economists, it can simply be achieved by anybody who informs himself on credit cards, carefully chooses a suited card and manages it correctly.

When you think of maximizing you should think of getting best out of something. Maximizing credit cards means receiving best reward for your spent money. This usually means choosing more than one type of card and sometimes more than just one issuer. Some types of credit cards offer rewords and money-back on purchases only if you buy a certain type of product with them; for example gas cards will only offer a bonus program for gas purchases and no reward on supermarket purchases. In order to maximize your credit card rewards you will also need a card that offers rewards on supermarket or store purchases.

Another very important thing to do in order to bring rewards to a maximum is carefully read fine print about credit card before you sign any deal. Many credit cards offer a 0% intro APR for 6 months or a 0% interest rate for an entire year; still do not let yourself beguiled, keep reading and see what happens after that promotional period of time. You may also want to check annual fee policy and only choose a credit card with no annual maintenance fee - there are many types available form all large issuers. Anther thing to look out for is "limit condition" as there are cards that only actually offer rewards after you have passed over a certain minimum limit of expenditures and other cards that stop offering rewards once you surpass limit. Thus, read carefully flyer and only after that choose a card suited for your needs.