Business credit card vs. small-business loan: Which is better for you?
If you need capital for a business, consider a small-business loan or credit card.
Erica Sandberg is a contributor to Bankrate covering credit cards, rewards credit cards, travel credit cards, business credit cards and debt management. She is the author of “Expecting Money: The Essential Financial Plan for New and Growing Families” and previously produced “Making It In San Francisco” on KRON4 and the “Adventures in Money” podcast.
In addition to Bankrate, Sandberg’s work includes contributions to Discover, Experian, First Republic Bank and U.S. News & World Report, and she has represented Chase, Western Union, the Better Business Bureau and Learning Resources in various media campaigns. She has also been quoted in several leading outlets, including the Los Angeles Times, the San Francisco Chronicle and The Wall Street Journal.
Sandberg began her career at Consumer Credit Counseling Service (CCCS), where she helped individuals and families overcome their debt issues and developed budgets, then transitioned to the agency's primary media spokesperson.
Sandberg devotes her time to causes that move her, including to Downtown Streets Team where she helped people experiencing homelessness fix their credit problems, open bank accounts and prepare for a financially independent future. Her volunteer board experience includes the San Francisco Police Department’s Community Advisory Board on Homelessness, San Francisco SAFE (Safety Awareness for Everyone) and the Salvation Army Harbor Lights Center advisory board.
If you need capital for a business, consider a small-business loan or credit card.
Check out our picks for the best points cards for business.
Learn how you can use your credit card to earn elite status with each of the major U.S. carriers.
Small businesses are vital for the local economy.
If you have a lower credit score, a business card isn’t necessarily out of reach.
A business credit card can help manage the cost of your business, whatever the gig.
For many entrepreneurs, bringing a business to fruition is no small financial feat.
Try to transfer any balance left when your promotion ends to a new 0 percent card.
Here are the best credit cards with no annual fee. Read reviews from personal finance experts and compare offers from our partners to find the best card for you.
Bankrate's experts compare hundreds of the best credit cards and credit card offers to select the best in cash back, rewards, travel, business, 0% APR, balance transfer and more. Let Bankrate, a leader in personal finance advice, help you find the best credit card today.
Whether you’re looking for miles to help pay for travel or cash back to fund a new purchase, the best credit card sign-up bonuses can help you make it happen.
The Mastercard Black Card comes with many of the upscale perks we’ve come to expect from an expensive travel card.
The United Explorer card helps you earn frequent flyer miles with every purchase. Read more to learn how you can boost your travels with the Explorer card.