While having a business credit card can be helpful for managing expenses and building credit for your business, you will not always need one to start a business. In fact, many small business owners use their personal credit cards to cover expenses when starting out.
However, it’s important to keep business and personal expenses separate, as this can make accounting and tax filing easier.
If you decide to get a business credit card, make sure to shop around for the best rates and rewards and use it responsibly to build your business credit history.