As its name implies, a business credit card is only open to business owners and is intended for business use. Unlike with a corporate card, however, your business doesn’t need to be incorporated for you to qualify for a business credit card.
For this reason, everyone from sole proprietors to large company owners could be eligible for a business credit card. Having employees or an office is not required. Even side gigs, such as rideshare driving or online reselling, can qualify as businesses for the purposes of getting a business credit card. See our list of best credit cards for startups for more information.
Business credit cards are meant to be used for business expenses, like purchasing supplies, office furniture or business travel. In fact, most business cards have a stipulation in their terms and conditions that prohibit cardholders from using them for personal expenses.