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Best Business Credit Cards in May

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Side hustlers, small business owners and freelancers have a lot of choices when if comes to business credit cards, which is why we’ve done the hard work for you. Here are some of the best business credit cards from our card partners.

You don’t need to be a multimillion dollar entity to qualify for some of the best business credit card bonuses around. There are a myriad of options for organizations all the way from sole proprietors (aka you’re a one-person operation) to businesses with multiple employees.

Business Credit Card Bonuses
Ink Business Cash℠ Credit Card
Bonus Offer: Earn $750 when you make $7,500 worth of purchases within the first 3 months of account opening
Annual Fee: $0
Ink Business Unlimited℠ Credit Card
Bonus Offer: Earn $750 when you make $7,500 worth of purchases within the first 3 months of account opening
Annual Fee: $0
Ink Business Preferred℠ Credit Card
Bonus Offer: Earn 100,000 Chase Ultimate Rewards Points after spending $15,000 in the first 3 months of account opening
Annual Fee: $95
Southwest® Rapid Rewards® Premier Business Credit Card
Bonus Offer: Earn 60,000 points after spending $3,000 in the first 3 months of account opening
Annual Fee: $99
Southwest® Rapid Rewards® Performance Business Credit Card
Bonus Offer: Earn 80,000 points after spending $5,000 in the first 3 months from account opening
Annual Fee: $199
United℠ Business Card
Bonus Offer: Earn a 75,000-mile sign-up bonus after spending $5,000 in the first 3 months from account opening.
Annual Fee: $99 (waived for first year)

>>Read about the methodology our credit card experts use to decide on the top business credit card offers from out credit card partners, or skip to the most frequently asked questions about business card bonuses.

Best Business Credit Card Bonuses in May 2022 From Our Partners

Credit cards for businesses can offer you a bunch of perks, including the ability to track your expenses in a much easier way and earning rewards to maximize your purchases.

Yet, there’s no single business card that’s best for everyone. To help you choose, we’ve rounded up some of the top business card offers from our credit card partners.

Ink Business Cash℠ Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $750
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: You earn an amazing 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. That can add up to 125,000 points per account year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

Sign-Up Bonus: This card offers you $750 in cash back after you spend $7,500 on purchases within three months of account opening. The $750 bonus comes in the form of 75,000 Ultimate Rewards points, which can be redeemed for cash, gift cards or travel.

Who Should Use This Credit Card? Small business owners and sole proprietors who want flexibility in their credit card rewards

Why We Like It

Why We Like the Ink Business Cash® Credit Card
The Ink Business Cash is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

This an incredibly valuable card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.

The Ink Business Cash Card is a valuable business cash-back card for entrepreneurs of all types. Earn an impressive rewards rate of 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. Ink Business Cash also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations. You’ll earn 1% cash back on virtually all other purchases.

As a new cardholder, get $750 in bonus cash back when you make $7,500 worth of purchases within the first three months of account opening. Additionally, this no-annual-fee card offers an introductory 0% APR during the first 12 months of account opening on new purchases (balance transfers are excluded from this intro APR offer). Read our full review of the Ink Business Cash.


Ink Business Unlimited℠ Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $750
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers 1.5 cents (as 1.5 Ultimate Rewards® points) per dollar spent on all purchases, with no limits.

Sign-Up Bonus: This card offers you $750 in cash back in the form of 75,000 Ultimate Rewards® points after you spend $7,500 on new purchases within three months of account opening.

Who Should Use This Credit Card? This is a valuable card for those who aren’t interested in bonus categories, or for those who are, but want a separate card just for purchases that don’t qualify for a bonus.

Why We Like It

Why We Like the Ink Business Unlimited® Credit Card

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option.

The card has no annual fee but offers an incredible $750 cash bonus after you spend $7,500 in the first three months. You’ll also earn 1.5% cash back on every purchase you make.

Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

The Ink Business Unlimited credit card is one of the best business rewards credit cards on the market, primarily because of its large upfront bonus. As a new cardholder, you’ll earn $750 in bonus cash after you spend $7,500 in the first three months from account opening.

Ink Unlimited offers a simple flat-rate 1.5% cash back per dollar spent on all purchases. Plus, new accounts can take advantage its introductory 0% interest rate on new purchases made during the first 12 months of account opening. And, if you need employee cards, you can get them at no additional charge. Read our full review of the Ink Unlimited card.


Ink Business Preferred℠ Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 100,000 Points
APR: Variable APR
Rewards Rate: 1-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: You can earn 3x points on your first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines on each account’s anniversary year. Plus, 1x point per dollar spent on all other purchases.

Sign-Up Bonus: Here’s your chance to earn a whopping 100,000 bonus points after spending $15,000 on your card within three months of account opening. This bonus can be redeemed for $1,250 worth of travel through Chase Ultimate Rewards®.

Who Should Use This Credit Card? People who own internet-based businesses and spend heavily on advertising are the ones who can really earn the most rewards from this card.

Why We Like It

Why We Like the Ink Business Preferred℠ Credit Card

If you’re a business owner who travels a lot for work or pleasure, this card is an ideal choice. It offers a whopping 100,000 bonus points after you spend $15,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.

Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cell phone protection policy that will cover up to $600 per claim.

If you’re a sole proprietor or small business owner who travels a lot for work or pleasure, the Ink Business Preferred Credit Card is an ideal choice. That’s because points earned with this business credit card can be redeemed for free and discounted travel in the Chase Ultimate Rewards Travel portal. And the Ink Business Preferred makes earning points easy with bonus categories that are important to small business like travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines.

In addition to all of that value, the Ink Business Preferred Card offers new cardholders a sign-up bonus of 100,000 points after spending $15,000 with the business card in the first three months of account opening. Those 100,000 points are worth $1,250 in free travel when redeemed through Chase Ultimate Rewards, where points are worth 25% more. Read our full review of the Ink Business Preferred.


Southwest® Rapid Rewards® Premier Business Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $99
Bonus: 60,000 Points
APR: Variable APR
Rewards Rate: 1X-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $99

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 3 points per dollar spent on Southwest purchases. Earn 2 points on Rapid Rewards hotel and car-rental partners. Earn 2 points on local transit and commuting, including ride-sharing. Earn 1 point on all other purchases.

Sign-Up Bonus: New account holders can earn 60,000 bonus points after spending $3,000 during the first three months from account opening.

Who Should Use This Credit Card? Small business owners and freelancers who enjoy flying with Southwest.

Why We Like It

Why We Like the Southwest® Rapid Rewards® Premier Business Credit Card

Southwest’s entry-level business card is a great option for business owners who want to maximize company spending to earn free Southwest flights. Like most business credit cards, there’s an annual fee to pay, but the signing bonus and travel and purchase perks provide enough value to negate the fee. The card offers employee cards at no additional cost and bonus points earned count towards earning a Southwest companion pass and also towards earning A-List and A-List Preferred status.

This card’s annual fee is expensive, but the perks you get outweigh its cost. We like that points earned can qualify towards Southwest’s A-List status, the airline’s rewards program. Let’s not forget the sign-up bonus, two free EarlyBird Check-Ins each year, and the 6,000 cardmember anniversary points you can receive. Plus, travel-related perks like no fees for first and second checked bags, no change fees and no blackout dates on rewards flights.

Southwest’s entry-level business card is a great option for business owners who want to maximize company spending to earn free Southwest flights. Like most business credit cards, there’s an annual fee to pay, but the signing bonus, two free EarlyBird Check Ins each year, and travel and purchase perks provide enough value to negate the fee.

The Southwest® Rapid Rewards® Premier Business Credit Card earns 3X points per dollar spent on Southwest purchases and 2X points on Rapid Rewards hotel and car-rental partners. It also earns 2X points per dollar spent on local transit and commuting, including ride-sharing and 1X point on all other purchases.


Southwest® Rapid Rewards® Performance Business Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $199
Bonus: 80,000 Points
APR: Variable APR
Rewards Rate: 1X-4X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $199

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 4 points per dollar spent on Southwest purchases. Earn 3 points on Rapid Rewards hotel and car rental partners. Earn 2 points on local transit and commuting, including ride-sharing. Earn 2 points on social media and search engine advertising, internet, cable, and phone services. Earn 1 point on all other purchases.

Sign-Up Bonus: New account holders can earn 80,000 bonus points after spending $5,000 during the first three months.

Who Should Use This Credit Card? Small business owners and freelancers who enjoy flying with Southwest.

Why We Like It

Why We Like the Southwest® Rapid Rewards® Performance Business Credit Card

It’s perfect for small business owners who have employees who travel. This Southwest business card offers employee cards at no additional cost and provides perks like inflight WiFi credits, a TSA Pre✓® fee credit and complimentary upgraded boardings. The business airline credit card also offers the most generous point rewards structure of any of the Southwest cards: 4x points per dollar spent with Southwest.

This credit card’s annual fee is expensive, but the perks you get outweigh its cost. We like that points earned can qualify towards Southwest’s A-List status, the airline’s rewards program. Let’s not forget the sign-up bonus and the 9,000 cardmember anniversary points you can receive. Plus, you’ll get other benefits like four upgraded boardings per year, free inflight WiFi credits and credit toward a Global Entry or TSA Pre✓® application. In other words, these can help you have a much smoother flight, which is helpful if you’re on an important business trip.

If you’re looking for an airline business card packed with travel benefits, the Southwest® Rapid Rewards® Performance Business Credit Card is a great deal. Not only does it earn 4X points per dollar for Southwest purchases, but it also features elevated rewards for select business expenses, local transit and spending with Rapid Rewards hotel and car-rental partners.

What we really love about this Chase co-branded card is the added travel perks like inflight WiFi credits, upgraded boarding passes annually and the Global Entry or TSA Pre✓® Fee Credit. Frequent business travelers will find more than enough value with the Performance Business card.


United℠ Business Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $99 (fee waived first year)
Bonus: 75,000 Miles
APR: Variable APR
Rewards Rate: 1X-2X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $99 (fee waived first year)

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card earns 2X miles for every dollar spent at United, gas stations, dining, office supply stores and transit including train tickets, taxis, rideshares and tolls. You can earn 1X miles per dollar spent on all other purchases.

Sign-Up Bonus: New cardholders can earn 75,000 miles after spending $5,000 on purchases in the first three months of account opening.

Who Should Use This Credit Card? Freelancers and business owners who regularly fly with United Airlines.

Why We Like It

Why We Like the United℠ Business Card

While this card’s 75,000-mile sign-up bonus is lower than previous offers, the assortment of helpful perks and first-year $0 introductory annual fee do a lot to make up for it.

This card’s perks include a $100 annual United travel credit after seven United flight purchases over $100, two United Club passes, a free first checked bag each flight, 25% back on inflight purchases and priority boarding.

There are other benefits when flying United, like travel and purchase protections. For example, the card features no foreign transaction fees for international purchases and 5,000 bonus miles awarded on each anniversary year when you own both the United Business Card and a personal United credit card.

If you’re serious about getting awarded for travel and find United convenient or simply prefer it, you can maximize your United miles earned every year. Plus, business owners can also provide employees with cards, at no additional cost, to maximize rewards earning potential.

The United Business Card offers cardmembers valuable travel perks, which include two complimentary United Club airport lounge passes each year, a free first checked bag every flight, 25% back on inflight purchases and priority boarding.

New United Business Card members can earn a sign-up bonus of 75,000 MileagePlus miles after spending $5,000 during the first three months of account opening.

Beyond the bonus, cardholders will also receive a $100 annual United travel credit after seven United flight purchases of $100 or more. Earning this extra bonus will make up for the $99 annual fee (which is waived for the first year) attached to this cobranded airline credit card. Read our full review of the United Business Card here.


Best American Express Business Credit Cards

Amex Business Cards Include
Blue Business Cash™ Card
The Blue Business® Plus Credit Card
The Business Platinum Card®
Hilton Honors American Express Business Card

Don’t Forget the Spark® 2X Miles from Capital One

It’s easy to see why Capital One’s Spark 2X Miles is generally considered the best overall small business credit cards. It packs in a lot of benefits for a business card with a small annual fee, including no foreign transaction fees, free employee cards and a credit (up to $100) for Global Entry and TSA Pre✓® enrollment fees.

In addition to offering travel benefits and decent rewards earnings, the Spark Miles earns 5X miles per dollar on hotels and rentals cars booked through Capital One Travel and unlimited 2X miles per dollar on all other purchases.

The limited time sign-up bonus offer is pretty enticing too. New cardholders can earn 50,000 miles after spending $4,500 with their new cards within the first three months of account opening.

Business travelers (especially those who need to drive a lot) will love that you can earn 5X miles per dollar on rental car and hotel purchases booked through Capital One Travel rewards program.

Plus, miles can be transferred to 15 airline partners, and there’s the ability to offset any travel purchases, making it a great flexible rewards card.

While other cards offer higher earnings rates, the Spark 2X Miles card offers a great all around earnings potential, since bonus categories from other credit cards can be limiting.

Bonus CategoriesRewards RateAnnual Limit
Hotels and Rental Cars Booked Through Capital One Travel5 milesNo limit
Other Purchases2 milesNo limit

Methodology

We used a certain set of criteria in order to compare similar business credit cards to see which fared better.

These include:

  • Redemption options (the more flexible the better)
  • Sign-up bonuses (if any)
  • Rewards and earnings categories
  • Benefits specific to small businesses
  • Annual fees
  • Type of credit needed

Most cards we narrowed it down to mostly offered travel and cash-back rewards. From there, we looked at other factors such as the value small business owners would receive based on the lowest spending requirements. That way, cards we chose will most likely be more accessible to small business owners, even if their expenses are lower.

Business Credit Card FAQ

How Do Business Credit Cards Work?

A small business credit card is one that’s specifically used for business purposes instead of personal ones such as paying for business-related expenses like telephone service or office supplies. These types of credit cards work pretty much like personal credit cards — you get access to revolving business credit and other perks like rewards earnings.

Is a Business Credit Card Linked to Personal Credit Score?

Some business credit card issuers will report your credit activity to both commercial and consumer credit bureaus. Don’t think that just because it’s a business-specific card you’re off the hook for missed payments — most issuers require that the business owner personally guarantees the debt. In other words, if you’re late or miss a payment, you, the business owner, could be liable.

Do Business Credit Cards Help Business Credit?

When it comes to your business credit, it’s very much like your personal credit history except that it’s a credit profile for your business. Having an established credit score — especially a higher one — might mean your business can qualify for loans with competitive interest rates. It could even mean lower insurance premiums. To check your business credit score, you can sign up for a free credit-scoring service called CreditSignal (offered by Dun & Bradstreet), which provides alerts when your credit report changes.

What Is the Difference Between a Personal and Business Credit Card?

Small business credit cards don’t come with as many protections compared to personal credit cards. They’re unfortunately not as heavily monitored and regulated compared to consumer ones. This means business credit cards don’t fall under the Credit CARD Act of 2009. So things like your APR can change at any time and you lose protection against high transaction fees. However, some major credit card issuers are choosing to voluntarily adhere to the CARD act in order to provide business owners more transparency in their policies.

You may also get higher limits with business credit cards considering your business expenses can be much higher than the ones you’ll incur in your personal life. Plus, these cards tend to offer point-earning bonuses in categories more suited for businesses, such as internet charges, office supplies, advertising and, of course, travel.

Aside from this, there aren’t any major differences between personal credit cards. Both of these types of cards allow authorized users. In the case of business cards, authorized users are considered employee cards. The business owner (the primary cardholder) is on the hook for the repayment of all charges, including ones from employees. If you have a rewards credit card, points earned go to you, even if employees rack them up.

Do You Have to Have a Business to Get a Business Credit Card?

The short answer is yes, you need to have a business to be able to open a business credit card. Before assuming you don’t qualify, let’s define what a business is (you may already have one without your knowledge).

First, according to the IRS, you don’t necessarily have to a registered business entity such as an LLC or corporation to count as one. There are different types of businesses, such as sole proprietorships and single member LLCs. So, if you sell items on eBay or Etsy, or work as a freelance writer, you may be able to qualify for a business credit card.

The myth is that you need to have a federal tax ID (or EIN) to be able to apply for a business credit card. For some issuers or credit cards, you may be able to use your Social Security number instead if you put down that you’re a sole proprietor. Given that, you may not have access to higher credit lines unless you’ve been in business for a while and can prove you have a certain amount of income, but you can increase that over time.

In the meanwhile, you can still take advantage of the many benefits of a small business credit card.

What Are the Benefits of Business Credit Cards?

As a business owner, you no doubt have to juggle a lot of responsibilities, so a business credit card can be a major help.

Here are some to many benefits of opening one:

  • Fast and convenient capital: Free up some cash flow and increase your working capital by using your credit card to purchase what you need to grow or maintain your business. If you’re in the growth stages, having access to capital can give you the ability to fulfill business orders, especially if you qualify for a 0% APR offer.
  • Separation of business and personal assets: Using a dedicated business credit card can help make it easier to separate business and personal finances. Not only will it be easier when it comes time to do your taxes, but it can also protect your personal finances from any legal trouble that can arise with your business.
  • Tax benefits: Certain expenses on a business credit card can be tax deductible. First, all qualifying business expenses can be deducted. This includes any annual fees, interest and any late fees. To find out for certain, it’s best to consult a tax professional.
  • Streamline employee expenses: Instead of reimbursing employees, give them employee credit cards so you can manage expenses much more easily. You can also limit the amount your employees spend, giving you more control.
  • Access bookkeeping and accounting tools: Many business credit cards offer year-end summaries, and you can download statements and purchase records for accounting programs. This can help you simplify your bookkeeping and track spending much easier.

How to Pick the Right Small Business Credit Card?

Picking the right card can seem overwhelming, but with the right mindset you can find one suited for your business credit needs.

This includes:

  • Looking at your business credit score. Find out what your credit score is so that you’re able to see what you might qualify for. It could help narrow down your choices.
  • Figure out your priorities. For those who are only interested in a payment method for covering business expenses, most cards will do. However, if you’re after interest-free offers or features like receipt-capture capability, then you’ll need to do some digging to find features for your needs.
  • Avoiding credit cards that require excellent credit scores. If you have limited or fair credit history, you most likely won’t qualify for credit cards that typically require excellent credit scores. Save yourself the heartache and find one that gives you better odds. You can always apply for another card down the line.
  • Don’t discount a secured credit card. In some cases you may not qualify for an unsecured credit card (where you don’t need to put down collateral to access a credit line). Many issuers offer cardholders the opportunity to upgrade to an unsecured card once they meet certain requirements.

How to Apply for a Business Credit Card

Before applying for a small business credit card, check your credit situation. Then you’ll be able to assess whether you can qualify for certain credit cards. Use free tools to check your personal and business credit score. Then you can use that to shop around and research your options to see which cards you can be matched with, offering you the highest chances of approval.

Once you’re ready to apply, here are a few tips for the application process:

  • Gather all supporting documents. You won’t need many documents, but here are a few common things business credit card applications will ask for: A Federal tax ID number, annual business revenue, specific details about a business and a Social Security number.
  • Don’t lie. If you don’t have a business, don’t apply for a card. The same goes for lying about other information just to get a larger credit limit or other perks, because issuers may ask for supporting documents to prove you have a business.
  • Understand you’ll need to sign a personal guarantee. Before submitting your application, be aware that the issuer will take your personal credit history into consideration and that you’re on the hook personally for any charges incurred if your business can’t pay for it.
  • Make sure you can meet the spending requirements for a sign-up bonus. Check the fine print to see what you need to do to earn sign-up bonuses or take advantage of other benefits like travel credits.

What Is the Easiest Small Business Credit Card to Get?

Qualifying for a card will depend on your credit history — both personal and commercial. Not everyone is going to qualify for the Platinum Business Card. If you have never applied for a business credit card before, you can qualify for one using your personal credit score. The higher your credit score, the better your chances.

That being said, you can still qualify for a business credit card even with fair credit, but you may be able to get ones that offer benefits such as travel credits and 0% introductory APR offers. You can always build your business credit and consider another credit card down the line once you’re able to raise your credit score.

For business owners who have bad (or no) credit, there are secured business credit cards. These ones require you to put down a deposit, which serves as your credit line. Some even offer free employee cards. For example, the Wells Fargo Secured Business Credit Card offers a credit line from $500 to $25,000 and offers a decent 1.5% cash back on all qualifying purchases.

Then, monitor your credit carefully and shop around for unsecured credit cards that suit your needs before applying or trying to upgrade to another one. To see what you can qualify for, check online comparison websites or credit card issuers for pre-approved offers.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Michelle Black
Michelle Black
Michelle Black is founder of CreditWriter.com and HerCreditMatters.com. Michelle is a leading credit card journalist with over a decade and a half of experience in the financial industry. She’s an expert on credit reporting, credit scoring, identity theft, budgeting, small business, and debt eradication. Michelle is also a certified credit expert witness and personal finance writer.