To get approved for a business credit card, you'll usually need a strong personal credit score–generally, the credit score needed for a business credit card is at least 690. The exception to this rule is corporate cards, which approve based on business revenue. All types of business structures are eligible to apply for a business credit card:

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Using a business credit card can help you access startup financing, build your business credit, manage cash flow gaps, organize your finances and earn rewards.

In general, small to medium-size businesses in Australia generally use credit cards for business expenses, such as buying office furniture and supplies or travelling. These cards come with terms and conditions that prevent their usage for personal expenses.

Small business cards are typically designed to meet the needs of small businesses, while corporate credit cards are better suited to the needs of corporations with millions of dollars in annual revenue.