For small business owners, a business credit card can significantly help with their cash flow as well grant beneficial savings and rewards for their everyday spending needs. Although the process may seem similar to getting a personal credit card, there are some key differences. Here’s how you can get business credit in just four easy steps.

1. Check Your Credit

Your business credit and your personal credit: business credit card companies are going to pull both. Until your business has solidified tenure and sales, your personal income and credit will always be a factor in determining credit and financing eligibility. If you haven’t established business credit, it is a good idea to intentionally use this business credit card as a way to do so.

2. Research Card Options

There are an overwhelming amount of business credit card options. Write a list of what benefits you need and want, how much money you’re looking to get approved for, and what your budget is for annual fees. It’s important to find a business credit card with rewards that you can easily use and max out, that way you’re able to get the best return on having the credit card.

Many credit card companies do not report to business credit-reporting agencies so if you are looking to build your business’ credit, it’s important to choose a card and holder that does. This information is commonly disclosed on their website.

3. Strategically Apply

Every application is a hard check on your credit report, personal and business, so make sure you are applying for the business credit card that you want and meets your needs.

Most applications are online and will ask you for: your name, legal business name, business address, tax ID number (or EIN), annual business revenue, monthly business expenses, number of years in business, personal income, Social Security number, and proof of revenue.

4. Wait

If approved it will take seven to 14 days to receive your business credit card in the mail. If you are not approved, the lender will send a letter explaining their decision.

It’s important, for tax and legal liability reasons, to keep business transactions and expenses separate from personal ones. Take full advantage of the benefits that the card has to offer, but stay mindful of your limits, utilization percentage, and overall debt to income ratio. Much like a personal credit card all of these factors affect your business credit report.