Access Business Credit Cards for Houston Business Owners

How Business Credit Cards Stack Up Against Personal Cards

Business credit cards are tailored for company spending on inventory, marketing, and travel. They come with features you won’t find on personal cards, such as expense-tracking tools and the option to add employee cards. Plus, business cards usually offer higher credit limits based on your company’s revenue. We even link your business credit card to your business checking account, so managing your cash flow feels less like a chore.

Will a Business Credit Card Affect My Personal Credit Rating?

Most business cards report your activity to commercial credit bureaus, such as Experian Business. This can help your company build its own credit profile, but if you pay late, it can still appear on your personal credit report. The trick is to always pay on time.

What Does It Take to Qualify?

Approval usually comes down to your personal credit score, annual revenue, and how long your business has been around. Sole proprietors can get by with simple paperwork, but LLCs will need to show an EIN and more documentation.

Rewards and Perks

Business cards now go way beyond simple points. Look for cash back or bonus rewards in categories like shipping, marketing, or office supplies — much better than what most personal cards offer. We offer:

• Travel insurance for those vendor trips
• Fuel discounts if you run a fleet
• Points for statement credits or big purchases

At Plains State Bank, we keep it simple with no sneaky activation fees or hoops to jump through.

Business vs. Corporate Cards

Corporate cards are really for big companies with 50 or more staff. They want you to pay the full balance every month and offer advanced analytics for bigger teams. Business credit cards are perfect for small and midsize businesses. They let you carry a balance if needed, with a grace period to avoid interest.

Fees and Interest

Typical APRs run from 15% to 25%. Foreign transactions usually cost around 3%, and balance transfers have their own fees. You’ll get up to 25 days’ grace on new purchases, and our online dashboard keeps you in the loop with alerts and easy tracking.

Do Business Credit Cards Build Company Credit?

Absolutely. When you pay on time, your payments appear on Dun & Bradstreet and help raise your Paydex score. This opens up better deals with vendors and bigger lines of credit. Unlike charge cards, business credit cards let you carry a balance, helping you build your credit history over time.

How Do You Redeem Rewards?

Cash back drops into your bank account every quarter, and air miles can cover business flights with partner airlines. You can also pile up points for tech, gift cards, or other gear, with bonuses for hitting quarterly spending targets.

Ready to Apply?

Get ahead with business credit cards from Plains State Bank. They’re fast, they’re local, and they give Houston businesses the edge.