 TITLE: How Do I Qualify for a Small Business Credit Card? CONTENT: How to Check Your Business and Personal Credit Scores\n-----------------------------------------------------\nCredit card issuers consider both your business and personal credit history and credit score when they evaluate your application for a small business credit card. Applying for a credit card will cause a hard inquiry on your credit report, which can have a slight, short-term negative effect on your credit score. To help minimize this impact, be selective and apply for a card designed for your credit score range so you're more likely to get approved.\nMost small business credit cards are targeted to people whose credit scores are good or excellent, which translates to a FICO® Score☉ of 670 or higher. There are some cards for those with lower credit scores, but they tend to have higher annual percentage rates (APR) and offer fewer rewards or perks.\nChecking your business and personal credit scores will help you identify business credit cards for which you're likely to qualify. You can buy a one-time copy of your Experian business credit report and credit score or sign up for Experian's business credit monitoring services to access your report and score any time. You should also get a free copy of your personal credit report, review it for accuracy and check your personal credit score.\nIf your scores aren't where you want them to be, improving them before you apply for a business credit card could help you qualify for a card with lower interest rates and better rewards. Paying down credit card debt, making payments on time and reducing your credit utilization ratio (the amount of available credit you're using) can all help to improve your credit. END