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So you’ve decided upon the idea and thought long and hard about the name – now it’s time to get your new business up and running. You may have an amount of capital from investors, which needs putting into a business account. It’s also now time to seriously consider applying for a business credit card that can compliment that initial capital investment.
Many new business owners are unsure as to why they might need a business credit card. Surely it’s just as easy to put any funds into a personal account and run the business from there? Unfortunately, this couldn’t be further from the truth. Separating personal and business finances should be a priority for all new business owners. Not only will it minimise the amount of paperwork necessary during accounting periods, but it will also look far more professional to the Inland Revenue Service when it comes to submitting accounts. Business credit cards also offer spending reports, allowing you to identify spending habits – an advantage which most personal credit cards do not offer. Having separate accounts makes finances easier to manage and also makes it far simpler when it comes to things like declaring expenses – something that the majority of employees have to do at some point. In addition, you can request further credit cards for employees; a facility that is not possible with a personal credit card. These cards can have spending limits attached to them and transactions can be tracked online to ensure that all employee spending is necessary and within the set limits. In addition, the business owner can see exactly what has been spent, even if an employee forgets to submit the appropriate receipts.
A business credit card also allows a new business to qualify for particular deals and discounts that are designed with companies in mind. These can include perks such as reward schemes on certain products and services or offers on Airmiles or travel insurance. These benefits can be particularly advantageous to small and medium-sized businesses if the card is selected with the perks in mind. For example, a business whose employees travel a lot might choose a card where travel insurance is discounted.
The security offered to a new business through a business credit card is also a very important factor. These cards offer protection against fraud, theft and there are even capabilities that offer protection against employee misuse. Card security can give the new business owner far more peace of mind and prevent unnecessary expenditure in the event of the ever-present threat of Internet fraud or ID theft.
The most vital aspect of a business credit card for a new business is the credit itself. Credit can be used for a variety of reasons, not least of which is managing the company’s finances during times of restricted cash flow. As the credit does not touch the business’s cash account, supplies can still be bought and services paid for whilst you’re waiting for customer balances to be settled. Of course, the APR and monthly repayments have to be considered, but there are plenty of introductory offers out there to suit even the most lowly of beginnings and these are often matched by cheap rates once the introductory offers have expired. Using credit also helps to build up a company’s credit rating and opens the door for further business credit and greater sets of benefits and perks.
It may appear easier to simply trust your company finances to your personal credit card, but the advantages of a business credit card specifically designed for your business needs are obvious. Business credit cards are designed specifically to deal with the stresses and strains demanded by a company. A personal credit card is not. Finding the right business credit card for you is a process of elimination, comparing and contrasting the deals on offer in the marketplace. With over 500 business credit cards available, comparison websites are an extremely useful resource to help you make the right decision and provide your company with a practical, useful and valuable asset.
New Credit Cards
With its compact size, slim profile, and removable pocket clip, the Boker Small Knife offers a variety of carry options. It fits perfectly in the credit card compartment of your wallet, can be carried via clip in the pocket of your shirt, or on a ball chain (included) around your neck. This extremely lightweight knife also features a reliable and sturdy frame lock mechanism, titanium liner and high performance 440C stainless steel blade. The finger coils and handle end are made of G-10 and provide a surprisingly ergonomical and comfortable grip. The perfect everyday companion!
Most helpful customer reviews
26 of 26 people found the following review helpful.
 Stay Away
By Flouss
Watch Video Here: http://www.amazon.com/review/RGPWBNP99LSX5 I have purchased this knife to carry in my wallet as a backup knife in case if I forget my pocket knife at home.
Pros: It does fit(!) perfectly in a credit card pocket of the wallet. Folded, it is 2/3 of the credit card size and thickness is about 3 credit cards put together. Only one thing I had to do–remove the pocket clip with the Torx screwdriver.
Cons: This knife is complete junk. You better watch my video. I did send them the knife back, they send me the confirmation that they have recieved the knife…now I got the following message: The A2Z Emporium has closed your return request. The reason for the closure of your request is: Issued refund without return.
28 of 29 people found the following review helpful.
 Overpriced Novelty
By J3
Well, first let me say some nice things about this item.
It IS unique, It is sturdy. The black neck-chain is very well made. The blade steel is not bad, it is 440=C, a fairly standard and serviceable steel for lower priced knives.
Now, on to my disappointments. I must stress that since there are only two reviews now, including mine, I have no way of knowing if my knife was a fluke, or if this is the norm. But here we go.
Right out of the box, the blade on mine was dull. It would have probably been sufficient to cut a stick of butter, or spread jelly, but that is about it. I DID get an edge on it after about five minutes with a stone, but should one not expect a Boker knife to have a reasonably sharp blade out of the box? And for the price, should the owner have to work it over to make it functional?
On to the design. The knife is not touted as a pocket knife, really, but the clip on the back would indicate that it could at least be carried in or clipped to, a pocket. BUT :
Unless you have a strong masochistic urge, I would NOT carry this blade in a pocket. Wallet, maybe; credit card case, sure. Cell phone holster, probably.
But the edge of the blade, when the knife is closed, sits about 1/16 inch above the surface of the handle, and over one inch of that sharp edge is exposed to your fingers. Or to your Gummi Bears, your pet cockroach, a hard boiled egg or whatever else may be in your pocket. For those who know woodworking tools, think about a wood plane. For those more familiar with cooking implements, think of a mandolin. When this knife is closed,the blade is just high enough above the handle surface to allow skin, cloth or other material, to be nicked, sliced or peeled. This regrettable hazard could have been avoided if the carbon-fiber strip used to guard the point, had just been extended another inch and a quarter, to cover that raw edge.
I plan to make some modifications so that I can carry this blade, as I’m not much on returning things. But honestly, if I needed a very sharp, small blade to carry in my wallet, cell phone case or a credit card case, and if I had advanced knowledge of this Boker knife’s limitations, I would instead choose:
A single edge razor blade in its cardboard sheath – less than two dollars for a box of twelve. Or
a scalpel blade, or X-Acto knife blade, of a size and shape of my choosing, less than one dollar, and easily carried in cardboard, or heavy foil and a small piece of duct tape.
And I would keep the difference in price to invest in the gold market or maybe start a chinchilla ranch. No, not to sell them, just to let them roam free.
2 of 2 people found the following review helpful.
 not so sharp
By mattp
this knife is decent for what it is, but right out of the box mine was dull and the tip was not even ground down. i had to take a harsh diamond plate to it. not worth $20
See all 6 customer reviews…
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