If you own a small business and are looking for the best way to make businesses purchases while getting the biggest bang for your buck, consider a small business credit card. Business debit and check cards have their uses, but daily limits and other restrictions may reduce these cards’ appeal. Finally, business credit cards not only offer low rates and competitive APR’s, but they also typically offer added benefits in the form of best cash back rewards and incentives.

If you’re still not convinced, consider these additional benefits. Many business credit cards come as low APR cards if you have good personal credit and you can make purchases interest free regardless of the posted rate if you pay your balance monthly within the grace period. Business cards also offer a variety of credit limits so varying levels of purchases can be made without tying up cash on hand that could be used for operations or more profitable activities.

Business credit cards also offer additional flexibility because they allow small business owners to make cards available to authorized signers who may not be owners. This comes in handy when employees need to make purchases independently because you as the owner can set customized limits—both dollars available and types of allowable purchases—for each card you authorize. This gives you the best of both worlds: you give your employees the tools to do their jobs effectively while still protecting yourself and your money.

Finally, business credit cards not only offer low rates and competitive APR’s, but they also typically offer added benefits in the form of best cash back rewards and incentives. The types of rewards are many and varied, but there are a few standard programs to consider. If you travel frequently, most card companies offer some form of travel rewards program where you can accumulate points towards airline tickets, rental vehicles, and lodging. Many business credit cards also offer a general rewards program where every purchase adds to the general point pool. Double credit is sometimes given for dollars spent on fuel and food which adds to your buying power when the time comes to redeem your hard-earned points. You may also be interested in getting cash back for your purchases, which is typically redeemed in the form of statement credits that show up on your monthly card statement. These rewards may not seem all that special, but over time they add up and can be a very nice complement to the other benefits your business card already provides.

If you’re ready to pull the trigger and acquire your new business credit card, a little research can help you determine which type of card makes the most sense for you and your business. Go to CreditRoom.com and make sure that every card is a little different and may or may not be what you want, so prioritize your needs and get started. Most card companies offer instant approval cards, thereby your card can usually be instantly approved as long as your credit request is reasonable. A business credit card, if used properly, is a valuable tool that makes good cents.