Businesses of all sizes often require access to credit for various financial needs such as making purchases,improving cash flow , or covering unexpected expenses. While many entrepreneurs use personal credit cards for their business expenses, it's often more beneficial and financially responsible to obtain a dedicated business credit card.

In this guide, we'll explore why and how to get a business credit card
using just your Employer Identification Number (EIN), review the most popular types of cards, and then finish off with some expert advice for new cardholders.

Obtaining a business credit card with your EIN can be a smart financial move for your business. Here’s a breakdown of the major benefits that come with taking the leap:

1. Separation of personal and business finances: one of the most significant benefits of using a business credit card with your EIN is that it allows you to keep your personal and business finances separate. This separation is crucial for legal and financial reasons and can simplify accounting and tax preparation.

2. Build business credit: establishing a positive credit history for your business can help you secure better financing options and terms in the future, not to mention build your business's credit profile.

3. Higher credit limits: business credit cards typically offer higher credit limits than personal cards. This can be essential for businesses that require access to substantial funds for operations, inventory, or expansion.

4. Rewards and benefits: many business credit cards come with rewards programs tailored to business spending, offering cash back, travel rewards, or discounts on business-related expenses.

5. Liability protection: using a business credit card can provide personal liability protection. In most cases, the business owner's personal assets are not at risk if the business defaults on its credit card debt.
Now that the main benefits of EIN-only business credit cards are clear, let’s dive into how to score your own!