What are commercial cards?

Commercial cards are payment cards that businesses distribute to employees for the purpose of making company purchases.


Authorized card/account holders can use their commercial card to:


Pay merchants

Settle work expenses such as travel or office supplies purchases

Withdraw cash from ATMs

As a business owner, you can apply for and receive commercial cards from banks, credit unions, or other financial institutions. Some issuers may require your business to meet specific eligibility criteria, such as turnover certain revenue or employ a certain number of people.


The business may also need to undergo a credit check before being approved for certain products.


There are several types of commercial bank cards, including commercial credit cards and commercial debit cards. These work similarly to your personal plastic but typically come with additional features and benefits that are tailored to your business needs. For example, you may get the option to access:


Higher spending limits

Expense reporting and tracking abilities

Specialized rewards programs

Insurance coverage

Cashbacks

Fraud protection


Overall, commercial cards provide a simple, convenient, and secure method of managing company finances more effectively.


[TW]


什麼是商務卡?


商務卡是企業分發給員工用於公司採購的支付卡。


授權卡/帳戶持有人可以使用其商務卡:


支付商戶

結算工作費用,例如旅行或辦公用品採購

從 ATM 提取現金

作為企業主,您可以向銀行、信用合作社或其他金融機構申請並接收商業卡。 有些發行人可能要求您的企業符合特定的資格標準,例如營業額一定的收入或僱用一定數量的人員。


在獲得某些產品的批准之前,企業可能還需要接受信用檢查。


商業銀行卡有多種類型,包括商業信用卡和商業金融卡。 它們的工作原理與您的個人塑膠類似,但通常具有根據您的業務需求量身定制的附加功能和優點。 例如,您可以選擇訪問:


更高的支出限額

費用報告和追蹤能力

專門的獎勵計劃

保險範圍

現金回饋

詐欺保護


總體而言,商務卡提供了一種簡單、方便且安全的方法來更有效地管理公司財務。


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