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Credit is an integral part of any business strategy. Why it's used, when it's used and how it's used can have a profound effect on the rate of business growth and profitability.

Small Business Credit Services offer tools that include charge cards, credit cards, loans and lines of credit. Understanding the cost variables associated with each Small Business Credit Services tool, as well as the associated business benefit will help you to select the right Small Business Credit Services or combination of Small Business Credit Services relative to your specific business needs. Below are examples of various types of costs and benefits associated with Small Business Credit Services tools.

How your business spends its financial resources can be further managed and tracked by using various Small Business Credit Services tools. With detailed reports on business spending habits at your fingertips, you can improve cost controls to support profitability. Learn more by selecting any one of the following three Small Business Credit Services tools:

• Charge Cards for facilitating spending on a monthly basis without applicable finance charges when paid in full each month
• Credit Cards for facilitating spending on a routine basis at low annual percentage rates (APRs) when making payments over time
• Loans and Credit Lines for facilitating spending on larger purchases or routine expense needs where payments may be made over time

All businesses spend money. Get something in return by aligning various business expenses with Small Business Credit Services that offer savings and reward programs. Certain business credit cards include "built-in" savings for gasoline, rental car and overnight shipping service purchases, as well as point programs, purchase discounts, cash back and incentives such as:

• Travel, entertainment and shopping reward programs
• Airline mileage, such as Jet Blue Business Card, and Delta Sky Miles® Business Credit Card reward programs
• Preferred guest, such as Starwood Preferred Guest® Business Credit Card reward program
• Cash back, such as Business Gold Rewards Card, SimplyCash^SM Business Card, and BlueCash® for Business Credit Card reward programs

Another feature to look for when selecting a Business Credit Card is the type and scope of Purchase Discounts offered to your business; such as office supplies, travel, dining and other routine expenditures. Ideally, such purchase discounts are reflected on your monthly statement each time you do business with the qualifying vendor and are independent of any other periodic discounts or special pricing offered by the vendor directly. Select from the following links to gain a further perspective on the types of purchase discounts that may be available to you and your business:

• Supplies and Services
• Travel and Dining
• Business Building Tools

The success is in the details. With today’s Web-based Credit Service tools, you can track expenses, pay bills online, establish Credit Account alerts and perform a variety of other financial management tasks to minimize costs and maximize profits.

Did you know that you now have the option to monitor your business expenses 24-7 by scheduling account alerts to automatically advise you via e-mail or wireless device on the following financial issues?

• When your billing payment is due
• When your payment has been received
• When you're approaching your credit limit
• When there's any irregular activity on your account
• What your current balance is
• When your spending has reached a certain level

If your Business Credit Card is lost or stolen, or if you suspect Credit Card fraud, you want access to help and answers immediately regardless of when or where you are. For these reasons and others, be sure to select a Small Business Credit Services provider that offers 24/7 Customer Service.

View a sampling of Small Business Credit Services options to determine which service might be the right choice for your businesses financial needs. Select a Small Business Credit Services by:

• Credit Service Feature
• Credit Service Reward

Understanding some of the basic Small Business Credit Services Terms will help you to make more informed decisions when selecting Small Business Credit Services for your business needs.

If your business is an American Express OPEN Business Platinum Card member, you may take advantage of a variety of small business office space and service benefits including ...

• Complementary access to 950 Internet-equipped business lounges in 400 major cities worldwide
• Preferred pricing on full-service office space available by day, month or year
• Exclusive rates on office services including call answering and mail forwarding
• Visit The World is Your Office to learn more.

Access a broad range of resources tailored to the interests and needs of small business owners including expert videos, articles and networking venues. Learn more.

Most all small businesses can benefit from utilizing some form of Small Business Credit Services. Below are 10 Great Reasons why it might make sense for your business:

1. Facilitate and track spending patterns on a monthly basis without any finance charges
2. Facilitate and track spending patterns while also spreading out payments as cash flow supports at manageable monthly interest rates
3. Access capital as needed and repay over time with a business credit line up to $100,000.00
4. Manage business spending with convenient online services including bill pay, account access, expense reporting and charge resolution
5. Access customer service where you need it and when you need it
6. Set up account alert notices via email or wireless device to monitor account activities
7. Align common expense purchases with reward programs for business savings and cash back
8. Monitor employee spending activities with online reporting and timely alert services
9. Take advantage of purchase discounts on supplies and services; travel and dining; and business building tools
10. Save time, money and improve accounting with compatible Small Business Credit Services for your specific needs

To begin benefiting from Small Business Credit Services, be sure to choose the right Credit Card for your business needs. For more information, call 1-800-NOW-OPEN (1-800-669-6736) to apply for a Card or loan. Terms and conditions apply.

Apply for the Business Gold Rewards Card

• Built-in accelerators to speed you to up to 100,000 points or more in your first year
• Automatic savings at leading business suppliers
• Fee-free first year — savings of $125
• Terms and conditions apply

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