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It’s often said that it takes money to make money, and few feel this more acutely than business owners. The amount companies require can vary widely based on industry and product. One thing remains clear. Having greater spending power and managing expenses well both make it easier to launch and grow a business.

Business credit cards are a valuable way to increase your spending power, manage expenses, build credit, and earn rewards and cash back. By using a business credit card, you can also separate your business and personal finances for better tracking while establishing a credit history for your company. This allows you to increase your chances of securing loans, lines of credit, and other financing options as your business expands.

This article will walk you through everything you need to know about applying for and obtaining a business credit card. Brex will cover the benefits, requirements, application process, and why modern solutions are transforming how businesses access credit.

What are the benefits of using a business credit card?

There are several key advantages to using a business credit card versus personal credit cards or cash for your company’s expenses.

Building business credit history

One benefit of a dedicated business card is the chance to build credit in your company’s name. When payments arrive on time, bureaus record that discipline, and your business credit score grows stronger.

Your business credit file remains separate from your personal score, which keeps founders shielded. A stronger file speeds approval when you apply for a corporate credit card and often leads to larger limits, flexible lines, and competitive rates to fund expansion.

Separating business and personal expenses

You might have heard the advice not to mix business with pleasure. The same rule applies to your expenses. Using just one card for both business and personal costs can make tracking your spending complicated and messy. Having a separate card for business makes bookkeeping easier because you can clearly see what you’re spending on business versus personal expenses. Keeping these separate also makes preparing your taxes much simpler.

Earning business rewards

Many of the top business credit cards offer rewards programs designed for companies rather than individual consumers, but finding the best business credit card rewards means evaluating which bonus categories actually match your spending patterns, such as travel, office supplies, advertising, and shipping.

Potential for financing purchases

Business credit cards tend to offer higher limits than personal cards, and a well-chosen

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A chest cold, medically known as acute bronchitis, is a common respiratory condition characterized by inflammation of the bronchial tubes. These tubes carry air to and from the lungs, and when inflamed, they produce mucus, leading to coughing and discomfort in the chest area. Chest colds often develop after an upper respiratory infection like a common cold or the flu.

In this article, Doctronic provides information on the duration and recovery of chest colds.

Recognizing the Symptoms

Symptoms typically include a persistent cough that may produce mucus, chest tightness, fatigue, mild fever, and sometimes wheezing. While chest colds can be uncomfortable, they usually do not require hospitalization and tend to resolve on their own with proper care.

Common Causes and Risk Factors

Understanding the causes of chest colds can help in prevention and management. They are most commonly triggered by viral infections, but exposure to irritants such as tobacco smoke, air pollution, or chemical fumes can also lead to bronchial inflammation. Individuals with weakened immune systems or preexisting respiratory conditions, such as asthma or chronic obstructive pulmonary disease (COPD), may be more susceptible to developing a chest cold. Additionally, seasonal changes can play a role, as colder months often see an increase in respiratory infections.

Home Remedies and Relief Tips

Home remedies can provide relief from the discomfort associated with chest colds. Staying hydrated is crucial, as it helps thin mucus and makes it easier to expel. Warm fluids, such as herbal teas or broth, can soothe the throat and provide comfort. Using a humidifier in your living space can also alleviate coughing by adding moisture to the air, which can ease chest tightness. Over-the-counter medications, such as cough suppressants or expectorants, may also help manage symptoms, although it’s always wise to consult with a healthcare provider before starting any new treatment.

Typical Duration of a Chest Cold

How Long Does It Usually Last?

Most chest colds last anywhere from seven to 14 days. The initial symptoms, such as coughing and chest discomfort, can be quite intense during the first few days and gradually improve over the following week or two. However, some individuals may experience a lingering cough for up to three weeks or more, even after other symptoms have subsided. This lingering cough can be particularly bothersome, as it may disrupt sleep and daily activities, leading to increased fatigue and irritability.

The duration can vary based on factors like age, overall health, and whether the individual has underlying respiratory conditions such as asthma or COPD. Children and older adults may experience longer recovery times. Addi

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The Trump administration’s aggressive push for 50-year mortgages may seem innovative, but it could pose a serious threat to the housing market and to small landlords who depend on its stability.

For homebuyers, these 50-year mortgages could offer easier access to loans, lower monthly payments, and the illusion of improved affordability. However, these purported benefits for homebuyers mask what could be a significant boon to banks.

So, who would be among the first to get caught in the crossfire? Small-time landlords who have built their businesses around traditional 30-year mortgages. By floating these new loans, lawmakers threaten to reduce the rental supply, create highly volatile housing markets, and harm the very individuals who spent years building the housing stock that millions of renters rely on, TurboTenant reports.

Why 50-Year Mortgages Are a Questionable Idea to Begin With

Landlords aside, 50-year mortgages are a dubious idea for our housing market as a whole. These long-term loans could drastically slow equity growth and trap buyers in lifelong debt. Worse, they could push sellers, lenders, and builders to artificially inflate home prices, fully aware that borrowers can stretch mortgage payments over half a century. And all of this encourages Americans to take on unsustainable levels of debt at a time when the national burden is rapidly approaching $39 trillion.

Essentially, these suspect loans create the illusion of improved affordability without addressing the underlying cause of unaffordability: soaring home prices driven by a lack of supply. By drawing more buyers into housing markets, competition will likely intensify and push home prices to new heights.

And, at the risk of sounding morbid, the average first-time homebuyer will likely die before ever paying off a 50-year mortgage. In the United States, the median age of first-time buyers is 40, and the median lifespan is 78.4 years, meaning the average first-time buyer would need to live until at least 90 just to make their final mortgage payment.

And while it’s true that countries like Japan allow borrowers to take on 100-year loans and view real estate ownership as a multi-generational privilege, Americans are more shaped by an individualistic spirit that prizes the ability to move multiple times over their lifetimes.

30-Year Borrowers Can’t Compete With 50-Year Payments

It’s simple: Buyers using 50-year mortgages can afford far higher p

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If you thought the sports world peaked in 2025, brace yourself. As the United States gears up to celebrate its semiquincentennial—that’s the big 2-5-0—the nation is transforming into the global capital of competition. From the pitch to the Octagon, 2026 promises a calendar so packed with historic firsts and championship drama that it is poised to be a great year in American sporting history.

Outwander.com shares a guide to 10 sporting events you cannot miss in 2026.

1. College Football Playoff National Championship

• When: Jan. 19, 2026
• Where: Hard Rock Stadium, Miami Gardens, Florida

The expanded 12-team playoff format will fully mature by this championship game. After a month of bracket-busting upsets, the two survivors will meet in South Florida. The expanded field has already proven that more teams mean more drama, potentially setting up a Cinderella-story finale under the lights of Hard Rock Stadium to kick off the year.

2. Super Bowl LX

• When: Feb. 8, 2026
• Where: Levi’s Stadium, Santa Clara, California

The NFL’s golden anniversary was big, but Super Bowl 60 is set to be technologically unmatched. Returning to the heart of Silicon Valley, the league is promising a viewer experience that blends reality with the digital frontier. But for the fans in the stands, it remains about one thing: seeing who lifts the Lombardi Trophy in the California sun. For official details, visit Levi’s Stadium.

3. NBA All-Star Game

• When: Feb. 15, 2026
• Where: Intuit Dome, Inglewood, California

The Clippers’ new billion-dollar palace, the Intuit Dome, gets its first massive global spotlight. This year features a major shake-up: The league is debuting a new “USA vs. World” format, featuring two U.S. teams and one international team competing in a round-robin tournament. Expect national pride to turn this exhibition into a genuine battle. See the official announcement here.

4. World Baseball Classic Championship

• When: March 17, 2026 (Final)
• Where: loanDepot Park, Miami, Florida

Before the MLB season even starts, the world will unite for the World Baseball Classic. The tournament has exploded in prestige, with players representing their heritage with an intensity rarely seen in exhibition games. The finals return to the electric atmosphere of Miami, serving as the perfect appetizer for a year dominated by international competition. MLB.com has the full schedule and ticket information.

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Each year, an estimated 80 million U.S. utility customers have trouble affording their monthly heat and electricity bills. Now, as the cost of energy climbs, experts say more people are at risk of energy insecurity and poverty, defined by the struggle or inability to keep up with electric, heating, and cooling bills. Rural utility customers face unique challenges around access to fuel and affordability programs, and they often live in older, less energy-efficient homes than their urban and suburban counterparts.

“Energy poverty can disproportionately affect people in poverty in rural areas,” Maria Castillo, a senior associate on the electricity team at energy think tank RMI, told The Daily Yonder. Castillo leads the organization’s energy poverty work.

During the recent federal government shutdown, lasting from Oct. 1 to Nov. 12, 2025, concerns arose that $3.6 billion in Department of Health and Human Services (HHS) assistance funding under the Low Income Home Energy Assistance Program (LIHEAP) could be delayed. Though many states prevent low-income customers from having their heat turned off through policies called disconnection moratoriums, Castillo said longer-term solutions, like percentage-of-income payment plans, utility debt management programs, and low-income energy efficiency programs, are necessary to move customers out of energy poverty.

Now that the government has reopened, the $3.6 billion in funding for LIHEAP will resume distribution, though delays are likely.

Adam Hall is a utility customer in Knott County, Kentucky. Since 2020, Hall said his gas bill has increased from about $80 per month to $300 per month. In 2022, the East Kentucky floods hit Hall’s family hard, knocking their home off its foundation and impacting their energy efficiency.

“The flood destroyed everything,” Hall said. “It’s just been one thing after another after another.”

Every three months, Hall goes to the Leslie, Knott, Letcher, Perry Community Action Council (LKLP) for assistance paying his utility bills. The nonprofit serves four rural counties in Eastern Kentucky and receives some funding from LIHEAP to distribute among community members. Still, Hall said there are community members who need the help but don’t have the necessary paperwork to get the assistance, often because they rent their homes.

“There’s still some people who don’t get a chance to take advantage of it because their utility bil