Guide
Get a business debit or credit card
Keep every business purchase on one card so expenses are traceable without extra work.
Start with a debit card if you're early
A debit card tied to your business account is simplest and carries no interest risk. It's the right starting point for most new businesses.
Consider a credit card once cash flow is steady
A business credit card can smooth out timing gaps between paying suppliers and getting paid by customers, and often comes with better expense tracking and rewards.
Set a spending limit that matches reality
Choose a limit based on your typical monthly expenses, not the maximum you're offered. A lower limit is also a built-in guardrail against overspending.
Turn on spend notifications
Real-time alerts for every transaction make it far easier to catch a duplicate charge, a forgotten subscription, or fraud early.
Keep it strictly for business
One personal coffee run on the business card doesn't seem like much, but a year of them makes your bookkeeping messy and your accountant's job harder.
That’s the whole thing.
Keep going
What to read next
- 01
Business Banking
Open a business bank account
Separate your business money from your personal money before it becomes a tangled, stressful mess.
- 02
Business Banking
Set up a separate account for tax money
Ring-fence what you owe the taxman so it's never sitting in your spending balance by mistake.
- 03
Business Banking
Read your bank statement like a founder
Spend fifteen minutes a month actually understanding where your money went, and where it's going.