A credit card is not only a safe and convenient method of making purchases, it can also offer access to a line of credit, which is a form of unsecured loan. A business credit card can therefore be an excellent alternative to a start-up loan. Additionally, they can help you establish business credit and separate your personal and business finances. You generally need a good personal credit score as well as a combined (personal and business) income to qualify for a business credit card. However, personal guarantees are typically required even if the collateral isn't required. Businesses often opt for credit cards that offer rewards programs and sign-up bonuses.