Small business owners tend to have issues with getting credit cards.  However, small business owners are also some of the heaviest users of credit cards as they tend to value the flexibility that a credit card gives both for their lifestyle and their business needs.
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One of the discrepancies of credit cards has been that many of the smallest businesses, particularly face to face businesses, are not able to use credit cards because of the large investment in machinery that is needed which means that a certain minimum investment is required.

This puts small businesses at a disadvantage.  Small businesses are not only less likely to benefit from consumers who have little money in the bank account and so are using credit card balances for everyday spending, but they also have poor access to a greater number of consumers who use credit or debit cards for most of their everyday transactions instead of carrying a large amount of cash around.  There are also bits of customer behaviour that are more likely with credit cards, such as making large purchases in order to take advantage of an advertised discount, which the small business owner cannot see any benefit from. Readmore

Many small businesses are starting to take advantage of the ability of small business credit cards to have subsidiary credit cards available to their employees.

These subsidiary credit cards can have their own credit limits set, together with other conditions such as the prohibition of cash advances, and they do not need to be the same as the main credit card held by the small business. Readmore

Many small businesses face cashflow challenges as clients fail to pay their invoices on time or when credit terms exceed terms agreed with suppliers. This can cause significant stress and financial hardship to the business owner. A business credit card can help to alleviate these problems at a minimal cost, providing that regular payments are made on the credit card before interest is charged on the balance. Readmore