With more than 600,000 new small businesses started each year, it’s safe to say that the dream of being a successful company owner is a strong one. If you are considering starting your own company, or are already the proud owner of a company- here are 7 reasons why your small business needs a charge card account:

1. Keep your personal finances and business finances separate. It’s easier than you think to accidentally mix up your funds. Utalizing a chargecard account that is used only for your company expenses and purchases eliminates the problem of labeling every transaction in your personal checkbook or on your personal charge card statements at the end of the month.

2. Build credit in the name of your business. If you obtain a credit card account in your company name, the more you use it and make on-time payments, the stronger you will build the credit score of your company. After several months of building a good credit history, you may be able to obtain small company loans or other sources of financing if necessary.

3. Get stuff for free. There are numerous rewards programs with charge card accounts. If you choose one that works for your company, you can easily earn the things you usually buy for free. For example, some rewards chargecards offer you a way to earn office supplies at a discount. The key to making a rewards program successful is to choose one with no annual fee and pay your balance off in full each month. If you travel regularly for business, it would make sense that you get a card with travel rewards- either earn miles towards free flights, or get free or discounted hotel rooms.

4. Easy record keeping. Owning a small company means you are allowed to deduct certain purchases on your taxes, but only if you have good records to prove you’ve made those payments. A chargecard with an annual, itemized statement will make tax season a snap, regardless of the number of transactions you’ve made on your card.

5. Additional credit cards for employees. As your business grows, you may find the need to allow key employees within the organization the ability to make purchases or pay for company expenses on your behalf. Most credit card account companies will allow you to obtain additional cards in other people’s names. Your transaction listings and statements will show which credit card made each purchase, allowing you to see at a glance whether the employee use of credit is being abused or not.

6. Concierge services. Depending on the charge card you choose, you may benefit from additional services like reservation assistance, verification of flights, and even a personal shopping service. Did you forget to get your wife flowers for your anniversary? A quick call to your chargecard account concierge service and they can make the arrangements for you.

7. Travel benefits. In addition to the potential to save cash on travel costs with a credit card rewards program, most credit card accounts offer travel accident insurance that helps cover you for things like lost luggage or flight cancellations.
To get a charge card go to JemCreditCards.com. I advise Chase Cards

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