Business credit cards can provide a cheap source of financing for businesses that do not qualify for traditional lines of credit. For example, business credit cards with 0 percent annual percentage rate (APR) can provide start up business with low cost capital.

Web sites like creditcards.com contain a large, up-to-date database of information on credit card products. Business owners should calculate their expected credit need and apply for a card with double that limit. Amounts above that may affect personal credit since personal guarantees apply. Also, be wary of interest rate hikes after the introductory rate period. Credit card companies are notorious for slipping in high fees and interest rates in the fine print.