You wouldn’t use a nose trimmer to mow your lawn, would you? Using a credit card that is meant for personal use to cover the costs of running your small business would be a similar folly.

With a small business credit card, you open up a world of benefits and customized solutions for yourself and your co-workers, including:

Simplified itemization to track business expenditures. Many small business credit card companies provide you with an end of the year statement summary that makes it quick and easy to know where your money went. Never get buried up to your head in paperwork again.

Separation of business and personal transactions and funds. Get them mixed up, and you’ll have your hands full of money management and tax problems.

The ability to build a strong business credit profile. Show others that you are serious about establishing your business by building your business credit. You will be rewarded for on-time payments and overall reliability in the long run.

Freebies. Earn special rewards for every dollar that you spend with your small business credit card. Rewards and discounts may include travel, office supplies, phone services, software - all items that are beneficial for your business.

Management of employee spending. Provide employees with cards with preset limits. You’ll never have to tell Steve to stop ordering so many mojitos for clients again.