Come Home with the Right Credit Card


If you are running a home Internet business, you are part of a growing movement nationwide.

Whether it was due to a job loss or just the desire to start your own venture, more and more Americans are finding home is the place to be when it comes to work. With that said, lots of responsibilities come with operating a home business.

For starters, overseeing your home Internet business clearly means you are the boss.

Yes, that is a great thing to have if you are able to, but it also means that the buck stops with you. There will be plenty of decisions to be made from financial to promoting your business, so it is safe to say that things will never be boring.

Making the Proper Financial Moves

One of the biggest responsibilities in having your own business from your home is finances.

Unlike when you’re working for someone else, you won’t have a paycheck coming in every two weeks (as in many FT situations) or a monthly payment that is often the case for independent contractors. You also will not have someone (employer) to turn in a monthly expense report to.

If you’re working for someone and you are charged with spending money to meet with clients (meals, conferences etc.) or in some cases purchasing office supplies, you oftentimes will be provided with a company credit card or use your own, then be reimbursed by your work.

With that in mind, having the right credit card for your home Internet business is not something you should take for granted. Given you’re probably watching your dollars to begin with, using a card that is financially rewarding to you and your business is critical.

In the event you’re still searching for the right business credit card, make sure you do the following:

1. Shop around – Face it, not all credit cards and providers are the same. Take the time to shop around and find the best deal;
2. Referrals – Turn to friends and family, it even does not hurt to check with others running home businesses to see which cards and providers they prefer;
3. Know your needs – What is your primary goal of having a business credit card? Is it for merchant transactions, any employees that may work under you, or both? Know what you need it for before shopping around.

As Jeffrey Weber of points out, “Because of the difference in the length of rates offered, the key to consider when you choose a 0% APR credit card is whether you will be spending a lot on the new card or primarily using it for zero percent balance transfers. If you will make occasional purchases, then seek out the card with the longest balance transfer. However, if you will be doing a small balance transfer but making many purchases, select a card with a longer 0% rate on purchases.”

No matter what your company credit card needs are, shop around and select the best option to keep your home Internet business moving forward.

Photo credit: Image courtesy of jannoon028 at

About the Author: Dave Thomas writes for a variety of websites on topics such as human resources and running a small business.

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