Below, Select breaks down how small businesses are using credit cards to stay afloat while much of the country shelters in place. "Tracking cash flow is more important than ever," Davis tells Select.

But if you have a less-than-stellar credit score (or even no credit history), a secured credit card can still help with your cash flow while putting you on the path to a higher credit score.

The best construction credit cards offer your business flexibility and rewards. Construction companies and contractors often manage irregular cash flow, in addition to multiple job sites.