Some banks that offer high-yield savings accounts for small businesses also offer business credit cards. Business credit cards offer several benefits, including: - Separating your personal and business expenses. - Getting some additional time to pay your vendors — in fact, some options offer an introductory 0% APR, so you could theoretically take months to pay off a balance interest-free. - Potentially earning rewards and taking advantage of other perks. - Get relatively affordable financing when you're just starting out and don't qualify for traditional business loans. That said, using a credit card regularly can get you in trouble if you start using it to buy things your company can't afford to pay back. And keep in mind that you must agree to a personal guarantee with most of these cards. This means that if your business can't repay the debt, you've agreed to do it using your personal assets. If not, it could wreck your credit. If you're considering a business credit card, most of the best options come from major banks like American Express, Chase, Bank of America and Citi. Chase's suite of Ink Business cards are particularly popular with small business owners and include Ink Business Preferred, Ink Business Unlimited and Ink Business Cash. Take your time and compare multiple options to find the one that works best for you and your business.