Small-business owners and entrepreneurs can benefit greatly from having a business credit card, and for more reasons than one. For starters, a business credit card extends a line of credit business owners can use to improve their cash flow, and some cards even offer 0 percent APR for a limited time.

Business credit cards also make accounting for spending considerably easier, mostly because every purchase the business owner and their employees make will be fully documented on their account statement each month.

But other lesser-known perks also exist, and can be highly valuable for the right business owner. As you compare business credit cards to find the right fit, look for options that offer some (or most) of the following.

Free employee cards

Many business credit cards give you the option to dish out cards to all your employees at no additional charge, which is a major plus. One example is the Capital One Spark Miles for Business. With each employee having a credit card, you’ll spend less time reimbursing employees for business purchases they had to pay for themselves. You’ll also get a full accounting of every purchase each employee makes on your account statement each month.

Having a dedicated credit card for trusted employees can also help you earn cash back or other rewards on all your business spending instead of just some. Also note that rewards employees earn go into the primary cardholder’s account, so they can be used by the business owner in any way they prefer.

Accounting software

Some business credit cards also offer in-depth reporting on your business expenses each year, including the Capital One Spark Cash Select. This small-business credit card also makes it easy to download your spending records into multiple software programs such as Quicken, QuickBooks and Excel. WebBank’s new Capital on Tap Business Credit Card promises similar integrations with tools like Xero, FreeAgent, Quickbooks and more.

Having a way to automatically upload your business purchases into a software program will save you considerable time, as opposed to inputting that information manually. Plus, being able to automatically sync your credit card with accounting software means you are less prone to mistakes and other accounting issues.

Software and service discounts

Some business credit cards also offer annual credits for select software programs or discounts on certain kinds of services. The Business Platinum Card® from American Express is the best example since it offers the following credits and discounts:

  • Up to $400 in Dell Technologies statement credit per year
  • Up to $360 in statement credit for Indeed hiring and recruiting products and services
  • Up to $150 in statement credits for purchases made with Adobe each year
  • Up to $120 in wireless phone service credits each year

Note that these benefits come standard for cardholders who sign up for this card and pay the annual fee. Another similar perk is the opportunity to earn rewards on the software and services you’re already paying for. The American Express® Business Gold Card, for example, earns 4X points on up to $150,000 per year in two select categories your business spends the most in each billing cycle. Categories include advertising (purchased in the U.S. to promote your business online, on TV or radio), U.S. shipping costs and U.S. computer software, hardware and cloud data purchases made directly from select providers, and more.

Consumer protections

For many small-business owners, a broken or stolen piece of equipment — from a laptop to a sewing machine — can bring sales to a halt. And if money is tight, you may be unable to afford a replacement. But did you know that business credit cards often supply a benefit that can help in such a situation?

The Ink Business Unlimited® Credit Card is a good example in this category since cardholders automatically get purchase protection worth up to $10,000 per claim and $50,000 per account each year. This coverage is good for up to 120 days of the purchase date of the affected item, and it applies to most instances of damage or theft.

This card also adds extended warranties on eligible items you purchase that already come with a manufacturer’s warranty. Specifically, this coverage adds one year of additional warranty protection to manufacturer’s warranties of three years or less.

Travel benefits and rewards

Travel rewards and perks are no secret, but it helps to consider the specific ones you’ll need for business travel. Are you often paying for Wi-Fi to work during long flights? Would lounge access help you wait out long layovers more comfortably? With the right credit card, you can access amenities that make your business travel less expensive and more convenient.

Select business credit cards offer perks like airport lounge access, credits for TSA PreCheck, trip cancellation insurance and more. Perks like these can save you money and make your travel more comfortable, which is important if you own a business that requires frequent flying. As an example, the Ink Business Preferred® Credit Card from Chase offers trip cancellation and interruption insurance worth up to $5,000 per person and $10,000 per covered trip, as well as primary auto rental coverage you can use in place of your own car insurance.

Here are a few popular business credit cards and their travel-related benefits. Note that each card defines benefits and coverage differently, so always read the fine print before applying.

Airport lounge access TSA Precheck or Global Entry credit Annual travel credits Priority boarding Free checked bag Companion pass In-flight Wi-Fi credit Rental car insurance Travel interruption/cancellation insurance Lost luggage insurance
The Business Platinum Card® from American Express

American Express® Business Gold Card

Trip interruption for 12-hour or more delays

Delta SkyMiles® Reserve Business American Express Card

Southwest® Rapid Rewards® Performance Business Credit Card

Four priority boardings per year

Capital One Spark Miles for Business

Ink Business Preferred® Credit Card

The bottom line

Choosing a business credit card is never easy regardless, but you may have trouble deciding if you want as many features and perks as you can get. After all, most business credit cards offer some of the benefits above but not all of them. This means you’ll have to do some research to find the right business credit card for your needs. In the meantime, you may have to prioritize some credit card perks over others you want.

To find the best card for your small business, you’ll want to compare the offerings of the best business credit cards. From there, think about which benefits you want the most and sign up for a card that offers them for free.