Check to see if your local bank carries its own Visa or Mastercard. "Having a credit card from your bank allows you to consolidate business at one place," says Chanaud. "The personal relationship you have with bank employees may also make the application process easier. I get two or three calls a week from bankers who are calling for their clients and want to know what I can do for them."
Your banker is also familiar with both your business and the credit card being offered, and can often tell you if the product meets your needs.
Julie Bawden Davis is a full-time freelancer who writes for a variety of national and regional magazines.