Small business owners who own business credit cards have a special privilege to earn rewards and perks. As they use their credit cards to purchase supplies or pay business bills, they have the chance to earn rebates, discounts and other bonuses. How can you get more from your credit card?

Choose the Right Business Reward Credit Card

First, it’s very important to use the right business reward credit card. Since every business has its own unique demands in financing, it is very important to find a credit card with features and rewards that complement your spending style.

Small business credit cards offer a variety of reward programs. There are Frequent Flyer Miles Rewards Business Credit Cards, Gasoline Rebates Credit Cards for Business, and Cash Back Reward Business Credit Cards. Most business reward cards are also sponsored by suppliers or merchants that cater especially for small businesses. Y

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Business credit cards with rewards are categorized into three basic types – Miles Rewards, Gas Rebates and Cash Back credit cards. Credit card companies introduce varying reward programs to give cardholders more choices. Since small businesses have different demands, it is essential for them to get a credit card that complements their spending style.

Miles Rewards Business Credit Cards

Many entrepreneurs travel across the United States and even abroad to meet new clients, purchase stocks, attend seminars, etc. This is where a business credit card with miles rewards can be a practical choice. As the entrepreneur use his/her miles reward business card in purchasing airline tickets or paying hotel accommodations, car rental fees or other travel-related expenses, he/she earns points as well. Points are converted into mileage and as the number of points accumulates, the cardholder can enjoy great savings and even the chance to travel for free. <

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One of the most common complaints among credit cardholders is that changes have suddenly been made in the rates, fees or credit limits of an account. The customer usually reacts with the question, “Can they do that?” Despite the difficult personal hardships or the devastating effects these changes can cause on a household, the answer is almost always, “Yes, they can.”

The ability for an issuer to make changes in your credit card account starts with the terms and conditions, the complicated fine print that is included in credit card offers that explains the rights of the issuer. Issuers can make changes to these terms at any time as long as they notify cardholders, usually with a mailed notice or an insert in the monthly bill. However, it is often easy for cardholders to miss important terms in the application or overlook the notifications, making it easy for customers to be caught by surprise by changes to their account.

“The terms and conditions of credit cards are tedious to read but they tell you almost everything that the issuer can do to your account,” says Bill Hardekopf, CEO of LowCards.com and author of The Credit Card Guidebook.

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Scrapbooking is one of today’s most popular hobbies or crafts. Why? Scrapbooks, whether paper or digital, are one of the best ways to preserve photographs and other memories of a person’s life and family. While today’s scrappers base their scrapbooks on photographs of special events in their lives or the lives of their family members, scrapbooks were being made long before the advent of photography.

So why choose scrapbooking for a hobby? The main reason to choose scrapbooking for a hobby is to provide a history of one’s life and special events. While the popularity of scrapbooking has skyrocketed in the past several years, people have been keeping scrapbooks for many centuries. Scrapbook fans are essentially historians who keep and preserve the special events of their lives. So scrapbooking has been a historically important craft for a very long time.

People have been keeping some sort of scrapbook for hundreds of years. Starting in the 1400s, many recipes, letters, poems and other important pieces of paper were saved in albums. Early scrapbooking crafters collected their precious memorabilia and attached their memories to pieces of paper. These p

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We often hear that credit cards for business are great tools for making your life easier as a business owner. However, just as there are risks in using personal credit cards, the incorrect use of business credit cards can also be a disadvantage. Today, let’s discuss these possible risks so you’ll know how to avoid them.

The Drawbacks of Business Credit Cards

The personal liability clause. All business credit cards you have a personal liability clause which makes you, the business owner, personally accountable for all the charges in your account. This means, your personal credit history will be directly affected depending on how you manage your account.

Do you have employees working for you? Issuers of business credit cards allow the distribution of employee credit cards. These cards are linked to the primary cardholder’s account. This means, the business owner is held responsible for debt repayment regardless of who made those purchases. If one of your employees happen to misuse your business credit card for his/her personal benefit, you will be paying the consequences. You m

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