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Although credit cards are widely used by small businesses, it is surprising how many of these cards are personal - and not business credit cards. Perhaps one of the reasons for this is that a very large portion of small businesses (unverified sources claim 75%) are one-person concerns. Perhaps another reason is that these business owners could be unaware of the value that could be unlocked by using business - instead of personal cards.

The credit card industry has been industrious in their courting of the small business owner, with each of the issuers trying to outmaneuver the other where terms, benefits and features are concerned. Some of the cards, such as American Express Blue for Business, have even added business consulting and interactive business forums to their offering in an attempt to entice small business owners to transition from personal to business credit cards. When you do get down to comparing business credit cards, you will probably find that the American Express Blue for Business credit card is one of the most preferred business credit cards on offer in the market today. This is why:

-Balance Transfer: If you transfer your existing credit card's balance to an American Express Blue for Business credit card, the amount transferred carries a low 4.99% APR for life. If you have been using your personal credit card, you could consider moving the amounts you charged on behalf of the business to the American Express Blue for Business card. It is the perfect opportunity to split your business and personal expenses.

-Introductory Offer: For the first twelve months after becoming an American Express Blue for Business credit card holder, you pay a 0% APR on purchases.

-Fees: In spite of the fact that the American Express Blue for Business card is also a rewards card, it carries no annual fee.

-Low APR: After the introductory period, a low APR of 11.24% applies to purchases made with your American Express Blue for Business card.

-Grace Period: The American Express Blue for Business card offers a 25 day grace period. Used correctly, this will 'buy' you extra time of up to 55 days: Your creditors' grace periods (i.e. 30 days) + American Express Blue for Business grace period (i.e. 25 days).

In a nutshell, the American Express Blue for Business credit card enables you to: repay existing outstanding credit card debt over an extended period of time at a very low interest rate; it affords you an interest free loan during the 12-month 0% purchase APR introductory period; and it improves your cash flow through the 25 day interest free grace period offered.

The American Express Blue for Business credit card is the logical card to migrate to for small business owners. The product composition is small business supportive in every respect. The American Express Blue for Business credit card offers affordable interest rates, worthwhile rewards, financial reporting and business centre support, amongst others. There is precious little more a small business owner can ask for from a business credit card.