In the United States, there are more small businesses than there are major corporations. Still, small business credit card services are much tougher to find than ones who specialize in consumer or large business credit cards. Since small businesses can fall between personal credit lines and larger business credit cards, small business credit card services can be trickier to deal with and more selective.
Some small business credit card services will offer a business credit card in a business’s name, but will actually base their decision to issue the card on the credit of the small business owner. Even though the small business credit card services will issue a card with lower interest rates and business-related discounts and rewards, the real pressure for keeping the credit card in good standing will not be with the small business itself, but the owner of that business. Should anything go wrong and the credit card account becomes delinquent, the credit rating to of the business will not be damaged; instead, the credit record of the card holder will take a hit.
That is not to say that small business credit card services will not be willing to issue a card on the merits of the business; it is just more difficult of a process to follow. In order for small business credit card services to actually issue a credit card to a company, the small business must actually have a credit record of its own. In order to receive a credit record, the business must have real lines of credit that they have been extended by other companies, showing their worthiness and capability of using credit and paying it off. If the company is able to do so--and is able to use the companies that have extended them credit as a reference--they will be more likely to have small business credit card services issue a card to the company directly.
Small business credit card services are in the market to help small companies succeed, so if a company is able to find one and has established credit, they will likely be able to do business with them in a mutually beneficial fashion.