It doesn’t matter if you’re starting a small business or are already a proud owner, it’s critical to keep a beat on your financial circumstances.

For example, do you have a small business credit card? Does it make sense to apply for one in the near future?

If you’re interested in securing a credit card for your small business, here are just a few of the many details you should take into consideration:

1. APR

You may not have any desire to carry a credit card balance from month to month, but it could happen at some point. And if it does, you need to know how much money you’ll pay in interest.

It’s not the only thing to consider when comparing small business credit cards, but the lower the APR the better. This will save you money in the event that you carry a balance at any point.

2. Rewards

Are you able to earn cash back for every dollar you spend? Do you receive points that you can redeem for travel?

Not every small business credit card has a rewards program, but many of them do. This can help offset many of your expenses, such as those associated with traveling to visit clients and prospects.

3. Annual Fee

Some small business credit cards have an annual fee, typically ranging from $100 to $500. Others, however, have no fee at all.

Whether or not you’re willing to pay an annual fee is a personal decision. Here’s the question you need to answer: what are you getting in return for the money you spend?

If you’re okay with the perks and benefits of the credit card, paying an annual fee may be no big deal. But if you’re not getting a lot of value in return, it may be best to seek out an offer with no annual fee.

4. Foreign Transaction Fees

It’s not important to every business owner, but if you travel overseas it’s something to strongly consider.

The last thing you want to find is that you’re paying a fee every time you use your credit card on foreign soil. This can add up to quite a bit of money should you regularly travel internationally.

5. Online Account Management

Every credit card issuer in today’s day and age offers some type of online account management. However, no two systems are the same, so you should learn more about this before you sign up for a card.

You want to be able to manage all facets of your account online, as this will save you time and reduce headaches related to your credit card spending.