Small business credit cards aren’t just for covering day-to-day expenses—they’re strategic tools that can streamline operations, improve cash flow, and even build business credit. Whether it’s managing employee spending, earning rewards on regular purchases, or separating business and personal finances, these cards offer real advantages when used wisely.
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Data for today’s episode is provided by Javelin Strategy & Research’s Report: Riffing on Tariffs: Now is the Time to Build Your Small Business Card Portfolio
Percentages of Where Small Business Cards Get Used
- 52% – Utilities
- 48% – Advertising and marketing
- 45% – Procurement
- 42% – Insurance
- 41% – Online services
Source: Javelin Small Business Payments Insights, Questions 26a and 26a1 (2025)
About Report
Small businesses play a critical role in driving the U.S. economy, yet many continue to grapple with cash flow challenges that threaten their long-term stability. With tariffs adding pressure and supply chains becoming less reliable, operating expenses have become harder to predict. These conditions highlight a growing demand for flexible financial solutions—creating a strategic opportunity for credit card issuers to deliver products that help small business owners manage uncertainty and maintain control.
