{"id":91264,"date":"2024-12-17T18:53:28","date_gmt":"2024-12-17T23:53:28","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=91264"},"modified":"2024-12-17T18:53:29","modified_gmt":"2024-12-17T23:53:29","slug":"3-game-changing-secrets-of-business-credit-cards-for-entrepreneurs","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/cash-flow-management-and-financials\/3-game-changing-secrets-of-business-credit-cards-for-entrepreneurs\/","title":{"rendered":"3 Game-Changing Secrets of Business Credit Cards for Entrepreneurs"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>You work hard to run your business. You wear several hats, put in long hours and are constantly finding new ways to keep your customers happy and your bottom line strong. Could you use a hand to protect your assets and optimize your cash flow? Your business credit card might just be the tool you need.<\/p>\n\n\n\n<p>Discover how powerful a business credit card can be for your business. It\u2019s time to get to know your card\u2019s perks so you can take full advantage of what\u2019s available to you.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>While many business credit card benefits are obvious, there are several advantages that aren\u2019t as widely known \u2013 but can make a meaningful difference in your business operations and cash flow.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Some of the best business credit cards can help you make better-informed decisions, thanks to tracking and monitoring features that let you stay on top of your cash flow.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Rewards and cash back programs can help you save money and reinvest in your business.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Built-in insurance coverage can protect your business finances, equipment, belongings and employees.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Three ways a business credit card works <em>almost<\/em> as hard as you do<\/h2>\n\n\n\n<p>Chances are you\u2019re already using a business credit card for your business expenses. You recognize the value of separating your business and personal costs and acknowledge the convenience of this method of payment. But beyond the administrative upside, there are considerable advantages to using a hard-working business credit card.<\/p>\n\n\n\n<p>Here are some of the advantages you might not be aware of.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Track, monitor and control your business cashflow with your business credit card<\/h3>\n\n\n\n<p>As a business owner, a clear view into your business\u2019 finances is essential to your ability to effectively make decisions, plan for the future and run a thriving business. A high-performing business credit card program enables you to not only stay on top of your cashflow, but also provide valuable insights to help you maximize it.<\/p>\n\n\n\n<p>While business credit cards in Canada have different features, some of the more sophisticated card programs come with the following.<\/p>\n\n\n\n<p>Tracking and reporting capabilities:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Many of the best business credit cards make it easier to stay on top of your business cashflow with the ability to track spending, categorize expenses and add receipts through online reporting tools. With this line of sight into your business spending, you can see exactly how much money is going out, and for what purpose, leading to more informed decision-making around business expenses.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>In many cases, you can connect your business credit card to your accounting software. This functionality allows you to automatically transfer data, saving you the time and effort that comes with manually entering expenses, thereby increasing efficiency.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Interest-free grace periods:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>If your business is like most, you face occasional cash flow crunches: as you wait for receivables to come in, you have payables looming and not enough cash to comfortably make your payments. With a business credit card, you can smooth out your cash flow by making use of interest-free grace periods. In fact, some business credit cards have extended grace periods, which provide more time to pay for expenses.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Employee business cards:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Whether you have five, fifty or five hundred employees with spending authority, you want visibility into what they\u2019re purchasing. With many card programs, you can customize each of your employees\u2019 business credit cards so you can control where, when and how they are used. This line of sight offers the peace of mind that comes with knowing your employees are using their cards appropriately and for business-approved expenses.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>For additional oversight and control over employee spending, you can set and manage limits on employee cards, implement restrictions and review transactions in real-time.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-light-grey-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Pro Tip<\/strong>: Want to use your credit card to pay a supplier that doesn\u2019t accept credit cards? Don\u2019t let that get in your way \u2013 there are options! The accounts payable platform <a href=\"https:\/\/www.rbcroyalbank.com\/business\/paying-and-receiving\/payedge\/index.html\">RBC PayEdge<\/a>, for instance, transforms credit card payments into electronic payments to suppliers on your behalf.<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">2. Access perks, rewards and cash back to reinvest in your business<\/h3>\n\n\n\n<p>Many business credit cards come with perks that can be used to support your business. The trick is to match your credit card features with your specific needs. Consider these examples:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You travel frequently for business<\/strong>: There are cards that offer access to premium rewards programs that enable you to redeem points for travel and access to airport lounges around the world, plus other valuable airport, dining and spa offers.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your business is seeking solutions to optimize operations<\/strong>: Some card programs, through their banking relationships, offer partner perks such as discounts on software services, payment processing and marketing tools, which can help you save on essential business expenses.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You have capital purchases to make:<\/strong> Some rewards programs offer the flexibility to redeem rewards points for merchandise and gift cards. There may also be the opportunity to save money on popular tech brands.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You could use a cash flow boost:<\/strong> Business credit cards with cash back programs provide a percentage of cash back on eligible purchases, which you can use to bridge financial gaps or reinvest in your business.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group mar-b-hlf has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h4 class=\"wp-block-heading\">Insights to make the most out of your business credit card<\/h4>\n\n\n\n<p><em>\u201cIt\u2019s important that business owners review their transactions and processes to see where it makes sense to use their credit card. For example, if you\u2019re buying inventory in bulk, your business credit card can give you a grace period to hold onto your money for longer. You don\u2019t need to lay out your capital right away, so if it takes time to sell your goods, you\u2019ll have a nice cash flow cushion. Or if you want to give your employees a way to pay for business expenses, but want some visibility and control when it comes to their spending, a business credit card can help you keep an eye on things. And if you or your employees travel a lot for business, consider a business card that offers protection with a suite of insurances, or one that earn points that you can redeem for business items.&nbsp; It pays to read the fine print, so you\u2019re aware of the many benefits of your business credit card.\u201d<\/em><\/p>\n\n\n\n<p><strong>Athena Varmazis, Senior Vice President, Cards, RBC.<\/strong><\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">3. Use your credit card to help protect your business<\/h3>\n\n\n\n<p>You\u2019ve worked hard to build your business \u2013 and your company\u2019s finances, equipment and employees deserve protection. Here\u2019s how your business credit card can help:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Travel insurance. Some business credit cards come with extensive travel insurance coverage, which can help you recoup travel costs in the event of an unexpected situation or cover costs associated with the loss or theft of your belongings. In addition to providing much-needed protection, these built-in benefits can help you save money on separate travel coverage. Take time to read the details of what your card offers when it comes to: \u00a0<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip cancellation coverage \u2013 should you need to call off a trip due to a covered event<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Baggage insurance \u2013 in the case of lost or stolen bags<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Hotel\/burglary insurance \u2013 to cover stolen items left in your room<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Car rental coverage \u2013 which\u00a0covers you in the case of any damage to your rental car, including if it\u2019s lost or stolen\u00a0<\/p>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Day-to-day protection for your business, including:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Liability protection \u2013 which helps protect your business against unauthorized charges by your employees<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Mobile device protection \u2013 in case a mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Extended warranties \u2013 which\u00a0lengthen the amount of time an item is covered under warranty<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Purchase and return protections \u2013 which\u00a0safeguard products against theft or damage for a specified period<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>If you want to maximize your business cashflow, gain better insight into your spending and take advantage of valuable benefits that can save you money, it may be time to examine your business credit card options. Don\u2019t miss out! Check out the package that came with your card \u2013 or look up details online \u2013 to learn more about the lesser-known perks come with your card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Find the right business credit card for your needs<\/h2>\n\n\n\n<p>What is the best business credit card for business owners? It\u2019s the one that best fits the needs of your business.<\/p>\n\n\n\n<div class=\"wp-block-group mar-b-hlf has-light-grey-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h4 class=\"wp-block-heading\">Not sure which credit card is best for your business? <\/h4>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/small-business.html\" data-dig-id=\"LP-91264-aa486684\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Help me Choose\" class=\"rbc-link-format standalone-link\" data-icon-class=\"standalone-link\">Help me Choose<\/a><\/p>\n\n\n\n<p>Use the help me choose tool to find the right card for your business. <\/p>\n<\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/business-choose-a-credit-card.html.\" data-dig-id=\"LP-91264-200ae828\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Try the free Business Card Selector Tool\" class=\"rbc-link-format\">Try the free Business Card Selector Tool<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/small-business.html\" data-dig-id=\"LP-91264-74589102\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Explore RBC business credit cards\" class=\"rbc-link-format\">Explore RBC business credit cards<\/a>\u00a0and find the one that\u2019s best for you.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/business\/credit-cards\/compare-credit-cards.html\" data-dig-id=\"LP-91264-b3697ea3\" data-dig-label=\"Compare options\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Compare options<\/a>\u00a0to match the card to your specific needs.<\/p>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Your business credit card comes with perks that can help you save money and run your business better. Get to know the benefits so you don\u2019t miss out!<\/p>\n","protected":false},"author":80,"featured_media":91275,"parent":57333,"menu_order":0,"template":"wp-custom-template-optimizely-mmm","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[157],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[35],"rbc_difficulty_level":[33],"rbc_mmm_category":[305,386,387,324,326,390],"class_list":["post-91264","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-entrepreneur","rbc_content_type-article","rbc_lob_group-business","rbc_difficulty_level-beginner","rbc_mmm_category-business","rbc_mmm_category-cash-flow-management-and-financials","rbc_mmm_category-making-and-receiving-payments","rbc_mmm_category-managing-your-business","rbc_mmm_category-right-sized-business-advice","rbc_mmm_category-small-business"],"acf":{"contently_publication_id":"","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Your business credit card comes with perks that can help you save money and run your business better. Get to know the benefits so you don\u2019t miss out!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/cash-flow-management-and-financials\/3-game-changing-secrets-of-business-credit-cards-for-entrepreneurs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Your business credit card comes with perks that can help you save money and run your business better. 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