Business credit card applications: look beyond your home bank!

Introduction

Your business is growing, your ambitions are rising, and with it, your business expenses. But how do you ensure that your business finances remain manageable, while also enjoying benefits and flexibility? The solution lies in a business credit card-an indispensable financial tool for every entrepreneur. Whether it's making online purchases easily, booking travel or even earning cashback, a business credit card offers convenience and security.

But how do you choose the right card that perfectly suits your business and financial goals? In the Netherlands, many business owners choose a card from their home bank on autopilot, but that's usually not a good idea.

Business credit card benefits

Are you unsure about a credit card for your business? A credit card offers several benefits.

• Foreign suppliers, for example of software, can sometimes only be paid by credit card.
• Purchases are insured. A credit card usually has purchase insurance attached to it. As a result, your purchases are insured.
• Credit card companies often offer a delivery guarantee, giving you your money back if your purchase is not delivered.

A business credit card is possible in conjunction with a business account, but it is also available separately. Below are providers of credit cards you can use for your business.

American Express credit card application

Business customers can also apply for a debit card from American Express. The advantage of American Express is that users can participate in the Membership Rewards savings program. This allows you to save for gifts, trips and days out, for example. That can add up considerably if you spend hefty budgets on Google or Dutch Facebook Ads Agency. For clients with more than €10,000 of ad spend per month, we always recommend applying for an additional American Express card to pay for ad spend.

The disadvantage of American Express is that the debit card is not as well accepted worldwide as Visa and Mastercard credit cards.

American Express has a very interesting deal until 7-5-2025. You get 75,000 points as a gift with a new card. That can if you book an airline ticket from your points so worth 75€. Sign up through this link to take advantage of that.

ICS business credit card application

At International Card Services, you can apply for business Visa and Mastercard debit cards. You link the credit card to your business account. This is where your credit card expenses are debited each month. The cost per card can be viewed on the website.

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ING business credit card

In combination with a business account, ING offers the ING Business Card for SMEs. For large companies, the bank offers the ING Corporate Card. These payment cards are issued in partnership with Mastercard.

The cost for the ING Businesscard is €39.95 per year.

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SNS business credit card

Do you have a business account with the SNS bank? Then you can apply for a business VISA credit card. This is offered in cooperation with International Card Services.

You pay € 32.50 per year for the SNS Credit Card business.

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Business Knab credit card

The low cost of a business account makes Knab popular with many small business owners. At Knab, you can apply for a business Mastercard or American Express Business Card.

The cost for the Mastercard is €35 per year.

The American Express Business Card costs €85 per year, but is free if you spend at least €2,500 per year.

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Rabobank business credit card

Corporate clients of Rabobank can use the Rabo BusinessCard. You can choose whether to link a Visa or Mastercard credit card to your business account.

The Rabo BusinessCard costs €2.75 per month, or €33 per year.

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ABN AMRO business credit card

ABN AMRO also offers a Business credit card and Corporation credit card to its business customers. This credit card is also issued in cooperation with Mastercard.

ABN AMRO charges €40 per year for the Business Credit Card

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Business credit card without BKR review

Do you have a BKR registration and want to apply for a credit card? Then unfortunately we have bad news for you. Applying for a business credit card without a BKR check is not possible. However, you do qualify for a prepaid credit card. This is a credit card to which you put money that you can then spend. There are prepaid credit cards available for Mastercard and Visa, among others.

Wondering what an online marketing agency specializing in the financial sector can do for you?