{"id":18686,"date":"2026-05-04T11:26:18","date_gmt":"2026-05-04T18:26:18","guid":{"rendered":"https:\/\/www.soundcu.com\/?p=18686"},"modified":"2026-05-04T11:26:21","modified_gmt":"2026-05-04T18:26:21","slug":"business-credit-cards-how-they-work","status":"publish","type":"post","link":"https:\/\/www.soundcu.com\/es\/blog\/business-credit-cards-how-they-work\/","title":{"rendered":"Tarjetas de cr\u00e9dito empresariales: c\u00f3mo funcionan y cu\u00e1ndo su empresa las necesita."},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blue co-flex_row__long-form-text co-flex_row__next_row__blog-contributors\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><p>If you&#8217;re running a business in Washington, whether it&#8217;s a startup, a side hustle, or an established company, managing expenses efficiently is important to your success. A <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/\">tarjeta de cr\u00e9dito empresarial<\/a> helps you separate personal and business finances, track spending, build credit, and earn rewards on everyday purchases.<\/p>\n<p>En <a href=\"https:\/\/www.soundcu.com\/es\/\">Sound Credit Union<\/a>, business credit cards are designed to support companies of all sizes with <a href=\"https:\/\/www.soundcu.com\/es\/rates\/business\/#rates-table-business-credit-cards\">tarifas competitivas<\/a>, no annual fees, and features that make financial management easier.<\/p>\n<p>This guide explains what business credit cards are, how they work, when your company needs one, and how to choose the right card for your unique business needs.<\/p>\n<h2>What Is a Business Credit Card?<\/h2>\n<p>A <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/\">tarjeta de cr\u00e9dito empresarial<\/a> is a credit card specifically designed for business expenses. Like a personal credit card, it allows you to make purchases on credit up to a certain limit, which you then repay over time. However, business credit cards come with features tailored to the unique needs of companies, such as:<\/p>\n<h3>Key Features of Business Credit Cards<\/h3>\n<ul>\n<li>Higher credit limits than personal cards<\/li>\n<li>Detailed expense management tools and QuickBooks integration<\/li>\n<li>Unlimited employee cards with individual spending limits<\/li>\n<li>Rewards on business purchases (office supplies, travel, fuel)<\/li>\n<li>Purchase protections, including extended warranty and rental car coverage<\/li>\n<\/ul>\n<p>Ultimately, business credit cards help you keep business expenses separate from personal spending, which simplifies accounting, makes tax preparation easier, and protects your personal credit. When used responsibly, they can also help you build business credit, which is essential for securing loans, lines of credit, and better financing terms in the future.<\/p>\n<h2>How Do Business Credit Cards Work?<\/h2>\n<p>Business credit cards function similarly to personal credit cards but are designed with business needs in mind. Here&#8217;s how they typically work:<\/p>\n<ol>\n<li><strong>Step One &#8211; Apply:<\/strong> You submit an application to your credit union or bank, providing information about your business. The lender will review both your personal and business credit history.\n<ol>\n<li>Apply for a Sound Credit Union business credit card online.<\/li>\n<\/ol>\n<\/li>\n<li><strong>Step Two &#8211; Receive a Credit Limit:<\/strong> Once approved, you&#8217;re assigned a credit limit based on factors like your creditworthiness, business revenue, and financial history. Business credit cards typically offer higher limits than personal cards to accommodate business-scale spending.<\/li>\n<li><strong>Step Three &#8211; Use Your Card:<\/strong> Use your business credit card for business-related expenses such as office supplies, travel, inventory, software subscriptions, utilities, and more. Each purchase reduces your available credit until you make a payment.<\/li>\n<li><strong>Step Four &#8211; Receive Your Statement:<\/strong> At the end of each billing cycle, you receive a statement showing all purchases, the total balance owed, the minimum payment due, and the payment due date.<\/li>\n<li><strong>Step Five &#8211; Pay Your Balance:<\/strong> If you pay your full statement balance by the due date, you typically won&#8217;t pay any interest. If you carry a balance past the grace period, you&#8217;ll pay interest based on your card&#8217;s A`nnual Percentage Rate (APR). The more you pay each month, the less interest you&#8217;ll owe over time.<\/li>\n<li><strong>Step Six &#8211; Receive Rewards:<\/strong> Many business credit cards offer rewards programs that let you earn cash back, points, or miles on your purchases. These rewards can be redeemed for statement credits, travel, gift cards, merchandise, or deposited directly into your account.<\/li>\n<\/ol>\n<h3>Business Credit Card Requirements<\/h3>\n<p>Most business credit card issuers look for:<\/p>\n<ul>\n<li><strong>Personal Credit Score:<\/strong> Typically 680 or higher, though some cards approve mid-600s. Higher scores qualify for better rates.<\/li>\n<li><strong>Business Information:<\/strong>\n<ul>\n<li>Legal name and DBA (if applicable)<\/li>\n<li>Business structure (sole proprietorship, LLC, corporation)<\/li>\n<li>Employer Identification Number (EIN) or Social Security Number<\/li>\n<li>Annual revenue and number of employees<\/li>\n<li>Length of time in business<\/li>\n<\/ul>\n<\/li>\n<li><strong>Personal Guarantee:<\/strong> Most cards require you to be personally responsible for the debt, meaning late payments can impact your personal credit.<\/li>\n<li><strong>Verificaci\u00f3n de ingresos:<\/strong> Business bank statements, tax returns, profit and loss statements demonstrating repayment ability.<\/li>\n<\/ul>\n<h2>Types of Business Credit Cards<\/h2>\n<p>Understanding the different types of business credit cards will help you choose the right card for your company. Let\u2019s get into it.<\/p>\n<h3>Business Rewards Credit Cards<\/h3>\n<p>These cards let you earn rewards on every purchase, typically in the form of cash back, points, or miles.<\/p>\n<ul>\n<li><strong>Best For:<\/strong> Businesses that make frequent purchases, pay their balance in full monthly, and want to maximize the value of their spending.<\/li>\n<li><strong>Ejemplo:<\/strong> Sonidos <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/rewards\/\">Business Rewards Card<\/a> earns Sound Rewards on every purchase, which can be redeemed for travel, merchandise, gift cards, or cash.<\/li>\n<\/ul>\n<h3>Low-Rate Business Credit Cards<\/h3>\n<p>These cards offer lower interest rates compared to rewards cards, making them a better choice if you occasionally need to carry a balance. While they may not offer robust rewards programs, the lower APR can save you money on interest charges.<\/p>\n<ul>\n<li><strong>Best For:<\/strong> Businesses that may need to carry a balance from time to time or are focused on minimizing interest costs.<\/li>\n<li><strong>Ejemplo:<\/strong> Sonidos <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/platinum\/\">Business Platinum Card<\/a> offers competitive rates starting as low as 10.45% APR with no annual fee.<\/li>\n<\/ul>\n<h3>Secured Business Credit Cards<\/h3>\n<p><span style=\"font-weight: 400;\">Secured business credit cards require you to provide collateral (typically a cash deposit in a savings account) that serves as security for the credit line. These cards are ideal for new businesses or business owners with limited or poor credit history.<\/span><\/p>\n<ul>\n<li><strong>Best For:<\/strong> New businesses, startups, or business owners building or rebuilding credit.<\/li>\n<li><strong>Ejemplo:<\/strong> Sonidos <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/platinum-secured\/\">Business Platinum Secured Card<\/a> helps you establish business credit while enjoying purchase protection and competitive rates.<\/li>\n<\/ul>\n<h3>Charge Cards<\/h3>\n<p>Unlike traditional credit cards, charge cards require you to pay your balance in full each month. They typically don&#8217;t have a preset spending limit, making them useful for businesses with large, predictable expenses that can be paid off quickly.<\/p>\n<ul>\n<li><strong>Best For:<\/strong> Established businesses with consistent cash flow and the ability to pay balances in full monthly.<\/li>\n<\/ul>\n<h2>How to Choose the Right Business Credit Card<\/h2>\n<h3>Step 1: Determine Your Primary Goal<\/h3>\n<ul>\n<li><strong>Earning Rewards:<\/strong> Choose a <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/rewards\/\">business rewards card<\/a> if you pay in full monthly<\/li>\n<li><strong>Minimizing Interest:<\/strong> Select a <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/platinum\/\">low-rate card<\/a> if you carry balances<\/li>\n<li><strong>Building Credit:<\/strong> Consider a <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/platinum-secured\/\">secured card<\/a> for new businesses<\/li>\n<li><strong>Managing Employees:<\/strong> Look for unlimited authorized signers<\/li>\n<\/ul>\n<h3>Step 2: Analyze Your Spending Patterns<\/h3>\n<p>Review recent expenses to identify:<\/p>\n<ul>\n<li>Monthly spending amount<\/li>\n<li>Top spending categories (travel, office supplies, fuel)<\/li>\n<li>Whether you pay in full or carry balances<\/li>\n<\/ul>\n<h3>Step 3: Compare Card Features<\/h3>\n<ul>\n<li><strong>Interest Rate (APR):<\/strong> Lower APRs save money when you carry a balance from month to month.<\/li>\n<li><strong>Cuotas anuales:<\/strong> Many business cards charge $0 annual fees, helping you avoid unnecessary costs.<\/li>\n<li><strong>Foreign Transaction Fees:<\/strong> If your business operates internationally, cards without these fees save you 1-3% on every overseas purchase.<\/li>\n<li><strong>Sign-Up Bonuses:<\/strong> New cardholders often qualify for one-time bonuses like cash back or bonus points after meeting spending minimums.<\/li>\n<li><strong>Rewards Program:<\/strong> Choose a program that matches your actual spending (travel, dining, office supplies) to maximize value.<\/li>\n<li><strong>Employee Card Policies:<\/strong> Set spending limits and controls for team cards to manage business expenses and prevent overspending.<\/li>\n<li><strong>Expense Management Tools:<\/strong> Built-in software integration and analytics help you track spending, categorize expenses, and simplify accounting.<\/li>\n<li><strong>Purchase Protections:<\/strong> Extended warranties, fraud protection, and purchase guarantees provide peace of mind on major business purchases.<\/li>\n<\/ul>\n<h3>Step 4: Read the Fine Print<\/h3>\n<p>Review terms and conditions, fee schedules, reward earning and redemption rules, and grace period length.<\/p>\n<h3>Step 5: Apply<\/h3>\n<p><a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/\">Apply for a business credit card online<\/a>, over the <a href=\"tel:8005628130\">tel\u00e9fono<\/a>, o <a href=\"https:\/\/www.soundcu.com\/es\/branches\/\">en persona<\/a>.<\/p>\n<h2>When Your Business Needs a Credit Card<\/h2>\n<p>Not every business needs a credit card right away, but there are several situations where having one makes sense. Here are common scenarios where a business credit card can be beneficial:<\/p>\n<h3>You Have Employees Making Purchases<\/h3>\n<p>If your team regularly makes business purchases (travel, office supplies, etc.), employee cards simplify expense management by:<\/p>\n<ul>\n<li>Consolidating all charges on one monthly statement<\/li>\n<li>Eliminating manual expense reports and reimbursement delays<\/li>\n<li>Giving you real-time visibility into company spending<\/li>\n<\/ul>\n<p>En <a href=\"https:\/\/www.soundcu.com\/es\/\">Sound Credit Union<\/a>, we offer unlimited authorized signers at no extra cost, making it easy to equip your entire team.<\/p>\n<h3><strong>You Want to Build Business Credit<\/strong><\/h3>\n<p>Building a strong business credit profile is important for securing loans, lines of credit, and favorable financing terms in the future. Using a business credit card responsibly by making on-time payments and keeping your balance low helps establish and improve your business credit score.<\/p>\n<p>Make sure your card issuer reports to commercial credit bureaus like <a href=\"https:\/\/www.dnb.com\/en-us\/\" target=\"_blank\" rel=\"noopener\">Dun &amp; Bradstreet<\/a>, <a href=\"https:\/\/smallbusiness.experian.com\/main.aspx\" target=\"_blank\" rel=\"noopener\">Experian Business<\/a>, y <a href=\"https:\/\/www.equifax.com\/business\/product\/business-credit-reports-small-business\/\" target=\"_blank\" rel=\"noopener\">Equifax Business<\/a> to build your profile.<\/p>\n<h3>You Want to Earn Rewards on Business Spending<\/h3>\n<p>If your business has regular, predictable expenses (office supplies, travel, fuel, software subscriptions, advertising), a business rewards credit card can help you earn cash back or points on purchases you&#8217;re already making. Over time, these rewards can add up significantly, providing valuable savings or perks that benefit your business.<\/p>\n<h2>Benefits of Using a Business Credit Card<\/h2>\n<p>Using a business credit card responsibly offers numerous advantages for business owners:<\/p>\n<h3>1. Separate Business and Personal Finances<\/h3>\n<p><span style=\"font-weight: 400;\">Keeping business expenses separate from personal spending helps with:<\/span><\/p>\n<ul>\n<li><strong>Simplified Tax Preparation:<\/strong> When business expenses are clearly separated, tracking deductions becomes much easier, saving time and reducing stress during tax season.<\/li>\n<li><strong>Accurate Financial Reporting:<\/strong> Clean separation helps you prepare accurate profit and loss statements, balance sheets, and cash flow reports.<\/li>\n<li><strong>Reduced Audit Risk:<\/strong> Mixing personal and business expenses can raise red flags with the IRS. A dedicated business card helps ensure you&#8217;re only claiming legitimate business deductions.<\/li>\n<li><strong>Legal Protection:<\/strong> For incorporated businesses (LLCs, corporations), maintaining separate finances helps preserve the legal separation between you and your business, protecting your personal assets.<\/li>\n<\/ul>\n<h3>2. Improve Cash Flow Management<\/h3>\n<p>Business credit cards offer a grace period (typically 21-30 days) during which you can make purchases without paying interest, as long as you pay the full balance by the due date. This flexibility can help you manage cash flow by allowing you to:<\/p>\n<ul>\n<li>Pay vendors and suppliers upfront while waiting for customer payments<\/li>\n<li>Cover unexpected expenses without depleting cash reserves<\/li>\n<li>Take advantage of early payment discounts from suppliers<\/li>\n<li>Smooth out seasonal fluctuations in revenue<\/li>\n<\/ul>\n<h3>3. Simplify Expense Tracking and Accounting<\/h3>\n<p>Business credit cards make it easier to track and categorize your spending. Most cards provide:<\/p>\n<ul>\n<li><strong>Detailed Monthly Statements:<\/strong> Itemized lists of all purchases with merchant names, dates, and amounts<\/li>\n<li><strong>Spending Reports:<\/strong> Many cards automatically categorize expenses (travel, office supplies, dining) to simplify bookkeeping<\/li>\n<li><strong>Software Integration:<\/strong> Direct integration with accounting software like <a href=\"https:\/\/quickbooks.intuit.com\/\" target=\"_blank\" rel=\"noopener\">QuickBooks<\/a>, allowing you to import transactions automatically and streamline your monthly close.<\/li>\n<\/ul>\n<h3>4. Access Purchase Protections and Benefits<\/h3>\n<p>Many business credit cards include valuable protections and benefits such as:<\/p>\n<ul>\n<li><strong>Purchase Security:<\/strong> Protection against damage or theft of items purchased with your card<\/li>\n<li><strong>Extended Warranty:<\/strong> Extends manufacturer warranties on eligible purchases<\/li>\n<li><strong>Auto Rental Collision Damage Waiver:<\/strong> Coverage when you rent vehicles for business purposes<\/li>\n<li><strong>Travel and Emergency Assistance:<\/strong> Help with travel-related issues like lost luggage, medical emergencies, or travel disruptions<\/li>\n<\/ul>\n<p>These benefits provide added value and peace of mind, potentially saving your business money when unexpected issues arise.<\/p>\n<h2>Common Mistakes to Avoid With Business Credit Cards<\/h2>\n<ul>\n<li><strong>Mixing Personal and Business Expenses:<\/strong> Even with a business credit card, it&#8217;s crucial to only use it for legitimate business expenses. Using your business card for personal purchases defeats the purpose of separation and can create tax and legal issues.<\/li>\n<li><strong>Carrying High Balances:<\/strong> Just like personal credit cards, carrying high balances on business cards can hurt your credit utilization ratio and increase interest costs. Aim to keep your balance below 30% of your credit limit, and pay in full whenever possible.<\/li>\n<li><strong>Missing Payments:<\/strong> Late payments can damage both your business and personal credit scores, result in late fees, and increase your interest rate. Set up automatic payments or reminders to ensure you never miss a due date.<\/li>\n<li><strong>Not Monitoring Employee Cards:<\/strong> If you issue employee cards, regularly review their spending to ensure purchases are appropriate and within budget. Set up alerts to notify you of transactions and establish clear policies about acceptable use.<\/li>\n<li><strong>Ignoring Rewards and Benefits:<\/strong> If you have a rewards card, make sure you&#8217;re actually using the rewards you earn. Points and cash back don&#8217;t help your business if they expire unused. Similarly, take advantage of benefits like purchase protection and extended warranties when relevant.<\/li>\n<li><strong>Applying for Too Many Cards at Once:<\/strong> Each credit card application triggers a hard inquiry on your credit report, which can temporarily lower your credit score. Apply for cards strategically and space out applications to minimize the impact.<\/li>\n<\/ul>\n<h2>Business Credit Cards vs. Personal Credit Cards: Key Differences<\/h2>\n<p>While business and personal credit cards function similarly, there are important differences to understand:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18704 size-full\" src=\"https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1.png\" alt=\"business credit cards\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1.png 1920w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-540x304.png 540w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-730x411.png 730w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-768x432.png 768w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-1536x864.png 1536w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-18x10.png 18w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-396x223.png 396w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-997x561.png 997w, https:\/\/www.soundcu.com\/files\/Monthly-Income-6-1-75x42.png 75w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2>Why Choose a Business Credit Card from Sound Credit Union<\/h2>\n<p>Sound Credit Union&#8217;s <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/\">business credit cards<\/a> offer distinct advantages for Washington business owners:<\/p>\n<ul>\n<li><strong>Sin cuotas anuales:<\/strong> All Sound business credit cards come with $0 annual fees, helping you keep more money in your business.<\/li>\n<li><strong><a href=\"https:\/\/www.soundcu.com\/es\/rates\/business\/#rates-table-business-credit-cards\">Tarifas competitivas<\/a>:<\/strong> As a not-for-profit credit union, Sound offers competitive APRs ranging from 10.45% to 22.45%, depending on the card and your creditworthiness. This often beats rates from traditional banks.<\/li>\n<li><strong>Unlimited Authorized Signers:<\/strong> Equip your entire team with employee cards at no extra cost. Set individual spending limits and monitor all purchases on one consolidated statement.<\/li>\n<li><strong>No Foreign Transaction Fees:<\/strong> If your business involves international travel or purchases from foreign vendors, you won&#8217;t pay extra fees on those transactions.<\/li>\n<li><strong>Sound Rewards Program:<\/strong> With the <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/rewards\/\">Business Rewards Card<\/a>, earn points on every purchase that can be redeemed for travel, merchandise, gift cards, or cash, giving you flexibility in how you use your rewards.<\/li>\n<li><strong>Purchase Protections:<\/strong> All Sound business credit cards include purchase security, extended warranty protection, auto rental collision damage waiver, and travel and emergency assistance services.<\/li>\n<li><strong>Tech-Savvy Security Features:<\/strong> Protect your business with EMV chip technology, real-time text and email alerts, and card lock\/unlock features in Sound&#8217;s <a href=\"https:\/\/www.soundcu.com\/es\/personal\/mobile-banking\/\">aplicaci\u00f3n m\u00f3vil<\/a>.<\/li>\n<li><strong>QuickBooks Integration:<\/strong> Direct Connect for <a href=\"https:\/\/quickbooks.intuit.com\/\" target=\"_blank\" rel=\"noopener\">QuickBooks<\/a> allows you to download account information directly into your accounting software, streamlining bookkeeping and monthly close processes.<\/li>\n<li><strong>Fast Approvals:<\/strong> Get approved for your card in minutes <a href=\"https:\/\/app.loanspq.com\/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaDy5ozwngYxk5LnQg16INsUZZh2F8bIV9A51AuMKp8ohTj2RhGmUbygYI1EhB2J_phDlvraS-LHTQfbNyJSLkQEPGI8g61Awi2jzFR_jrn0J5-XUKk6x6WHfEWgfVEmVIRxFEJnDvia54jrsJWeKgyw9W-LSw-avDlR2tFUlnGeChoOK3GdyjezXP78tOJU5Apa5mrWx41TkHfTtVqU1TtmfItxgQZ3LfkgkdLIrqKaPQ3tNl36JDh1hIVliSnE0C47FWHliKtay88RpTp_34icVUWAxgvBiFXrqh-4IBqMUUMVDBr-59QuP0U710jvstGEJ8caTYD8PMomlW4F0xjCTE5z_K6_Q7RWLclo3muABulztcFB5sSkU7o9KeCrQW29TJXCIsaGbwMtHr89OLfFf6fNE55nfKV31r74Fqgt9PNeUW0T0v7DrPLSYzFL5GRUiegMlIs1ngVEnwxTIhQrYmTKzXLI_Q8wLeiutDLkByudHluthKFmGzOLZzOTv4sw&amp;_ga=2.112993600.516993983.1773685039-1199451355.1767894048&amp;_gl=1*p3tjhs*_gcl_au*MTMzNjgxODc1NS4xNzY3ODk0MDQ4*_ga*MTE5OTQ1MTM1NS4xNzY3ODk0MDQ4*_ga_FR6440DWJ8*czE3NzM2OTI0NjgkbzQ4JGcxJHQxNzczNjk0MDIxJGo2MCRsMCRoMjE0NjYyOTA1Mg..\" rel=\"noopener\">en l\u00ednea<\/a>, over the <a href=\"tel:8005628130\">tel\u00e9fono<\/a>, or in a <a href=\"https:\/\/www.soundcu.com\/es\/branches\/\" rel=\"noopener\">rama<\/a>, helping you access credit when you need it.<\/li>\n<li><strong>Local, Personalized Service:<\/strong> Unlike big banks, Sound Credit Union provides local <a href=\"https:\/\/www.soundcu.com\/es\/support\/\" rel=\"noopener\">apoyo<\/a> from a team that understands your business and is invested in your success. You&#8217;re building a relationship, not just opening an account.<\/li>\n<li><strong><a href=\"https:\/\/www.soundcu.com\/es\/community-impact\/\">Impacto en la comunidad<\/a>:<\/strong> When you bank with Sound Credit Union, you&#8217;re supporting a local financial institution that reinvests in the Washington communities you live and work in.<\/li>\n<\/ul>\n<h2>Ready to Apply for a Business Credit Card?<\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re a Washington business owner looking to separate finances, manage cash flow, earn rewards, or build credit, Sound Credit Union&#8217;s business credit cards can help.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Compare our business credit card options:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/rewards\/\"><b>Business Rewards Card<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Earn Sound Rewards on every purchase<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/platinum\/\"><b>Business Platinum Card<\/b><\/a><b>: <\/b><span style=\"font-weight: 400;\">Competitive low rates starting at 10.45% APR<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/platinum-secured\/\"><b>Business Platinum Secured Card<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Build credit with a secured card<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/app.loanspq.com\/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaDy5ozwngYxk5LnQg16INsUZZh2F8bIV9A51AuMKp8ohTj2RhGmUbygYI1EhB2J_phDlvraS-LHTQfbNyJSLkQEPGI8g61Awi2jzFR_jrn0J5-XUKk6x6WHfEWgfVEmVIRxFEJnDvia54jrsJWeKgyw9W-LSw-avDlR2tFUlnGeChoOK3GdyjezXP78tOJU5Apa5mrWx41TkHfTtVqU1TtmfItxgQZ3LfkgkdLIrqKaPQ3tNl36JDh1hIVliSnE0C47FWHliKtay88RpTp_34icVUWAxgvBiFXrqh-4IBqMUUMVDBr-59QuP0U710jvstGEJ8caTYD8PMomlW4F0xjCTE5z_K6_Q7RWLclo3muABulztcFB5sSkU7o9KeCrQW29TJXCIsaGbwMtHr89OLfFf6fNE55nfKV31r74Fqgt9PNeUW0T0v7DrPLSYzFL5GRUiegMlIs1ngVEnwxTIhQrYmTKzXLI_Q8wLeiutDLkByudHluthKFmGzOLZzOTv4sw&amp;_ga=2.112993600.516993983.1773685039-1199451355.1767894048&amp;_gl=1*p3tjhs*_gcl_au*MTMzNjgxODc1NS4xNzY3ODk0MDQ4*_ga*MTE5OTQ1MTM1NS4xNzY3ODk0MDQ4*_ga_FR6440DWJ8*czE3NzM2OTI0NjgkbzQ4JGcxJHQxNzczNjk0MDIxJGo2MCRsMCRoMjE0NjYyOTA1Mg..\" rel=\"noopener\">Solicita en l\u00ednea<\/a> to get started in minutes, <a href=\"https:\/\/www.soundcu.com\/es\/branches\/\" rel=\"noopener\">Visite una sucursal local.<\/a> to speak with a business banking specialist, or call us at <a href=\"tel:8005628130\">800.562.8130<\/a> to learn more about <a href=\"https:\/\/www.soundcu.com\/es\/business\/credit-cards\/\">business credit cards<\/a> and discover how we can help you achieve your business goals.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__blog-contributors\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-blog_contributors\">\n\t\t\t\t\t<div class=\"co-blog_contributor\">\n\t\t\t\t<div class=\"co-blog_contributor--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.soundcu.com\/files\/Sound-CU-May-20258643-Tammie-Atoigue_300x300.jpg\" class=\"co-blog_contributor--img\" alt=\"Tammie Atoigue VP Consumer Lending\" srcset=\"https:\/\/www.soundcu.com\/files\/Sound-CU-May-20258643-Tammie-Atoigue_300x300.jpg 300w, https:\/\/www.soundcu.com\/files\/Sound-CU-May-20258643-Tammie-Atoigue_300x300-150x150.jpg 150w, https:\/\/www.soundcu.com\/files\/Sound-CU-May-20258643-Tammie-Atoigue_300x300-75x75.jpg 75w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\t\t\t\t<div class=\"co-blog_contributor--content\">\n\t\t\t\t\t<div class=\"co-blog_contributor--name\">Tammie Atoigue<\/div><div class=\"co-blog_contributor--title\">Vicepresidente de Pr\u00e9stamos al Consumidor<\/div><div class=\"co-blog_contributor--bio text-component\"><p><strong>Tammie Atoigue<\/strong> Es vicepresidenta de Pr\u00e9stamos al Consumidor en Sound Credit Union, donde utiliza su amplia experiencia para ayudar a los socios a alcanzar sus metas financieras. Le apasiona la educaci\u00f3n financiera de los socios, especialmente en lo que respecta al cr\u00e9dito y los pr\u00e9stamos inteligentes, y participa frecuentemente en conferencias del sector para compartir sus conocimientos.<\/p>\n<\/div>\t\t\t\t\t\t<div class=\"co-blog_contributor--social\">\n\t\t\t\t\t\t\t<span>Conectar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/tammie-umawatari-atoigue-40463b61\/\" class=\"co-social_share--link\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"LinkedIn\">\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-svg\" viewbox=\"0 0 24 24\" role=\"img\" aria-label=\"Icono de LinkedIn\">\n\t\t\t\t\t\t\t\t\t\t<use xlink:href=\"https:\/\/www.soundcu.com\/wp-content\/themes\/soundcu-theme\/images\/sprite-icons.svg#linkedin\" \/>\n\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Aprenda c\u00f3mo funcionan las tarjetas de cr\u00e9dito empresariales, cu\u00e1ndo su empresa necesita una y c\u00f3mo elegir la tarjeta adecuada. <a href=\"https:\/\/www.soundcu.com\/es\/blog\/business-credit-cards-how-they-work\/\">Contin\u00faa leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":18333,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_searchwp_excluded":"","footnotes":""},"categories":[50],"tags":[162],"class_list":["post-18686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-finances","tag-financial-education"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts\/18686","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/comments?post=18686"}],"version-history":[{"count":8,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts\/18686\/revisions"}],"predecessor-version":[{"id":18711,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/posts\/18686\/revisions\/18711"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/media\/18333"}],"wp:attachment":[{"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/media?parent=18686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/categories?post=18686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.soundcu.com\/es\/wp-json\/wp\/v2\/tags?post=18686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}