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Working capital is not always enough for business development and current needs, which raises the logical question: where to get it? Some take out a targeted consumer loan, while others try to borrow from acquaintances. However, there are other ways to cover current expenses, such as using a credit card with an interest-free period.
What is a business credit card and how can sole proprietors and LLCs use it?
A business credit card is a standard bank card issued specifically for a sole proprietor or a legal entity. Such cards are also known as corporate cards.
A key feature of this card is that it is linked to a credit account rather than a current account. When used, funds are deducted from the bank's credit limit rather than the budget of the sole proprietor or LLC.
The specifics of using a business card depend on whether it belongs to a sole proprietor or a legal entity. A sole proprietor is an individual, which allows them to freely manage funds remaining after taxes and other mandatory payments. A sole proprietor can use a business card for the following expenses:
- stationery, equipment, furniture, and other office supplies;
- office rent, internet, or mobile services;
- services from lawyers, repair crews, translators, and others;
- travel expenses, including air and rail tickets, hotel and accommodation bookings, and per diems for employees;
- representation expenses, such as transportation for negotiation participants and costs for organizing business receptions;
- advertising on the internet and social media, and so on.
Additionally, if a sole proprietor operates under a patent or simplified taxation system, they may use the business credit card for personal purchases. In other cases, expenses must be documented and recorded in accounting reports.
Unlike sole proprietors, LLCs can only use corporate credit cards to pay for goods and services for the company. Personal expenses are excluded for legal entities. All LLC expenses must be documented and included in accounting reports.
What types of business credit cards are available?
A corporate credit card can be plastic or virtual. A digital card is a full equivalent of physical plastic and is always available in the online banking dashboard. A virtual card can be used for online and in-store purchases, as well as for cash withdrawals and transfers.
Its advantage is that it can be issued almost instantly and is ready for use as soon as it appears in the dashboard. Furthermore, the lack of a physical card eliminates the risk of theft or loss.
In what situations is a credit card necessary?
Sometimes a business credit card is indispensable. For example, it can be useful in the following cases:
- For unplanned expenses. A credit card can help if a sole proprietor or LLC needs to make an urgent business purchase but lacks cash on hand or set-aside funds. For example, a credit card can be used to pay for stationery, office equipment, consumables, etc.
- In the event of a cash flow gap. This occurs when there is temporarily no money in the current account and the company cannot cover its basic needs, such as paying employee salaries, purchasing materials, or paying rent. In such cases, the entrepreneur or LLC can cover these expenses with a credit card and then repay the debt to the bank.
Advantages of a corporate business card
The advantage of a business credit card over a debit card is the approved credit limit. Depending on the bank's terms, this can range from 50,000 RUB to 2 million RUB. Credit cards also feature a grace period—a time during which the cardholder can use borrowed funds without interest. This typically ranges from 50 to 200 days.
Corporate credit cards offer other advantages as well, including:
- access to bank funds 24/7, even on holidays and weekends;
- the ability to monitor expenses via the online banking dashboard or mobile app;
- reduced workload for accountants as there is no need to prepare advance reports;
- the ability to set different transaction limits for employees;
- access to various discounts and bonuses from the issuing bank and the payment system;
- the ability to obtain multiple business cards linked to a single credit account.
Limit
period
Halva credit card from Sovcombank 
MIR credit card from Russian Standard Bank 
MTS Dengi Zero credit card from MTS Bank 
Vozmozhnosty Credit Card from VTB 
Uralsib 120 Days Maximum Credit Card How to apply for a business credit card?
To apply for a corporate credit card, you must visit a bank branch. Bank staff will provide information on current rates and offers, as well as the documents required to obtain the card.
For example, sole proprietors usually only need a passport. A legal entity may also need to provide tax reports, asset documentation, licenses, and business permits.
Next, you will need to submit an application for the business card. Reviewing the application typically takes from 2 minutes to 1-2 business days. If approved, the applicant will need to sign a credit agreement and receive the corporate card.
What are the terms for obtaining a business credit card?
Terms for corporate credit cards vary by bank, but standard rates include:
- issuance and maintenance—usually free of charge;
- validity period of up to 4-5 years;
- credit limit—from 50,000 RUB to 1-2 million RUB;
- grace period—from 50 days to 12 months, depending on the bank's terms.
- Interest rate: from 9.8% per annum (the rate for cash withdrawals and credit transfers is higher).
- Additional bonuses: cashback on purchases, discounts and special offers from partners, and interest on the card account balance.
