Editor’s note: This is a transcript of the audio file.

Thinking about getting a credit card for your small business?

Business cards offer nice benefits, but it’s important to weigh the costs, risks and fine print. I’m Janet Stauble with your Bankrate.com Personal Finance Minute.

Business cards help owners separate business and personal expenses, see operating costs clearly, connect receivables and payables and establish a business credit history.

Small-business credit cards are best for companies with annual revenues up to $10 million that can support debt. A dentist who wants to buy a piece of used equipment or an attorney who needs office furniture would be ideal customers.

Some cards have no annual fee. Others charge nearly $100 a year or more.

Most issuers require average to excellent credit to qualify. An owner with poor credit will likely be declined for a business card regardless of the company’s strengths. After all, if the business can’t pay, issuers go after the owner.

Just beware that business cards come with fewer federal protections and disclosure requirements.

Want to learn more? Log onto Bankrate.com. I’m Janet Stauble.