BUSINESS-CARD CONTROLS CHECKLIST
US guidance reviewed October 6, 2026. Keep full account numbers, credentials and employee
personal information out of this worksheet.
Guide and sources: https://yenra.com/business-credit-cards/

Account nickname: _____ Business: _____ Account administrator: _____
Agreement date/version: _____ Independent official support route: _____
Who is liable: _____ Personal guarantee terms: _____
Rates, fees, payment terms and promotions: _____
Credit reporting questions answered: _____
Dispute/unauthorized-use process and deadlines: _____

PURCHASE PLAN
Purpose: _____ Amount ($): _____ Expected purchase date: _____
Repayment source: _____ Expected receipt date: _____ Card due date: _____
Other committed bills before payment ($): _____ Available reserve ($): _____
If the receipt is delayed: _____

EMPLOYEE CONTROLS (repeat per role/cardholder nickname)
Business purpose: _____ Limit supported by issuer ($): _____
Purchases requiring approval: _____ Receipt deadline: _____
Reviewer: _____ Lost-card procedure: _____
Access removal responsibility: _____

MONTHLY CLOSE
[ ] Statement reconciled with prior balance, purchases, credits and payments.
[ ] Receipts and business purposes matched to transactions.
[ ] Unfamiliar charges or missing refunds investigated promptly.
[ ] Cost categories and project records updated.
[ ] Payment funding and any autopay settings checked.
[ ] Card posting and bank withdrawal confirmed.
[ ] Next cash forecast and appropriate limits updated.

Fictional stress check: $4,000 materials, payment due November 20, customer receipt
expected November 15 but delayed to December 5. A $2,500 available reserve leaves $1,500
needed to pay the full materials balance, before other costs. Plan for timing as well as
profitability.
Use the actual business-card agreement and applicable law for disputes and obligations.
Consumer-card billing-error procedures do not automatically govern business-purpose cards.