As a small business owner, building and maintaining a high credit score is vital to your company's health. Business credit cards can be an effective tool for helping improve your credit rating. Company credit cards that you can get from banks often offer you discounted rates, extra credit rating points if you pay early or on time, and other benefits that you would not receive if you used your personal credit card. There are some areas you should exercise prudence with, however, to optimize your creditworthiness.