Business credit cards can be incredibly useful, but only if you choose the right one. A business credit card should support your operations and financial goals. The right card can help you manage cash flow, earn rewards, and simplify your business spending, but not all cards offer the same benefits.

Here are a several key things to look for:

1. Look at the annual fee. Some cards offer great value, but make sure the perks actually justify the cost. If not, you might be better off with a no-fee option.

2. Check if the rewards match your business spending. If you travel often, a card with airline or hotel points could be helpful. If most of your spending is on supplies, software, or ads, look for cashback in those categories.

3. Pay attention to the interest-free period. An interest-free window can give you flexibility for short-term purchases without added costs as long as you can pay it off in time.

4. Choose a card that makes bookkeeping easier. Some cards integrate with accounting software like Xero or QuickBooks, or offer downloadable statements that simplify reconciliation and reporting.

5. Consider employee card access. If your team needs to make purchases, look for a card that allows you to issue employee cards with spending limits and tracking features.

6. Evaluate the sign-up bonus. Intro offers can be a nice bonus, but only if the minimum spend fits your usual business activity. Don’t overspend just to earn points.

7. Read the fine print. Avoid surprises by choosing a card with clear, transparent terms. Watch out for hidden fees or unclear reward structures.

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