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Month: November 2019
This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit
Many business owners don’t realize that there is even a question of how to build good business credit? They think that business credit works similar to personal credit. Since business personal credit builds passively by simply with handling credit wisely, they think business credit does the same. That isn’t the case however. The answer to “How to build good business credit?”can be summed up in one word, intentionally. You must make it a point to build business credit. You have to make it happen.
How to Build Good Business Credit: Fill Your Cornucopia with Business Accounts
In traditional Thanksgiving Day pictures, you see the ever overflowing horn of plenty known as the cornucopia. There are breads, fruits, vegetables and nuts pouring out of the horn shaped basket. If you are a business owner, you need two cornucopias. One is for your business credit, and one is for your personal credit. While you want them both overflowing with healthy accounts, what happens with many is that the business credit one is empty or non-existent. They think it is there and full, while in reality all the accounts they think are hitting their business credit report are actually hitting their personal report.
Why Do you Need Two Cornucopias? Does Business Credit Even Matter?
If you’re wondering why it is important to know how to build good business credit, here is your answer. The business credit cornucopia can hold more. Let me explain. If you try to run a business with only what is in your personal credit cornucopia, you will not have enough. You will need more than what it can hold.
Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.
Here is what that looks like in real life. Your personal credit cards are going to have lower limits than what business credit cards have. Business expenses are, by nature, a lot higher than personal expenses. Therefore, if you try to put business and personal expenses on the same credit cards, you are going to overrun your limits.
Even if you make your payments on time, or even pay off your balances each month, you are likely going to keep hovering near your limits. Not only does this reduce the funding you have available, but it can also have a negative impact on your personal credit score. Here’s how. The closer your balances are to your limit, the higher your debt-to-credit ratio is. A high debt-to-credit ratio has a negative impact on your credit score.
So, this means you need to ask how to build good business credit for two reasons. First, you may not have enough credit availability to run your business successfully without it. Second, if you do not build business credit, you could end up ruining your personal credit. Consequently, not only would your business success be in question, but you could lose the ability to do things like buy a house or a car.
Where Does that Second Cornucopia Come From?
Here is what most business owners do not understand. You have to intentionally go out and get that separate business cornucopia. If you don’t, then any business accounts you open will just go straight to your personal credit cornucopia and wreak the havoc mentioned above. So, how do you do that? How do you establish business credit in the first place so that business accounts report to that, and not to your personal credit? The key is to make your business appear to lenders as a fundable entity, separate from yourself as the owner.
How to Build Good Business Credit: Establishing Fundability
The first thing you need to know is, it is easiest to do this as you are establishing your business. If you are a new business owner just getting started, then set your business up this way on the front end so that you can begin building business credit now. If, however, you are already up and running, it isn’t too late. You may have to do some backtracking, but it will be so worth it. Either way, this is what has to be done. This is the first part of the answer to the question of how to build business credit.
Separate Name and Contact Information
This is an essential first step to weaving a separate business credit cornucopia. Of course, most businesses do not have the exact same name as their owners. The key is, you have to list the business in the business directories under that business name. In addition, it needs to be listed with its own address and phone number.
A question often asked about this is, how do you get a separate business phone number and address if you run your business out of your home or online. Actually, there are several options now for a business telephone number that do not even require you to have a second phone. You can just have your business number forwarded to your personal line.
As for an address, there are a number of virtual office companies that offer a physical mailing address to businesses for just this purpose. Typically, they also offer a number of other useful services such as meeting spaces and live receptionist services.
Get and EIN
When you apply for credit, they always ask for you Social Security Number, or SSN. If you are applying for credit in your business name, you shouldn’t use your SSN. If you do, that account will automatically relate to your personal credit. The way around this is to get your business an EIN. They are free on the IRS website. You may still need to use your SSN for identification purposes when applying for credit under new fraud regulations, but that needs to be the only reason you use it.
You Must Incorporate
This isn’t an option. While it is much easier and cheaper to operate as a sole proprietorship or partnership, you cannot get the separation needed if you do not formally incorporate. Whether you choose an S-corp, LLC, or corporations will depend on your other needs and budget. Any of them will work for establishing fundability. Still, you must choose one.
Get a Business Bank Account
When building fundability, you need to have a separate business bank account. This serves a number of purposes. First, separate from building fundability, this helps you keep your business and personal expenses separate. That will be a tremendous help come tax time.
Secondly, some business credit cards want to see a business bank account with a minimum average balance before they will approve credit. Lastly, it helps lend credibility to the fact that your business is a fundable entity on its own, apart from the owner.
Professional Website and Dedicated Email
In today’s business world, if you do not have an online presence you do not exist. Having a poorly executed online presence is just as bad. You need a professionally built, working website. Pay for design and hosting. The free services are not going to be good enough to help you out here. In addition, you need a dedicated business email address with the same URL as your website. Free email platforms such as Yahoo and Gmail do not look professional.
Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.
Get a D-U-N-S Number
There are several business credit reporting agencies, or CRAs. The 3 most commonly used are Dun & Bradstreet, Experian, and Equifax. Of those three, Dun & Bradstreet is definitely the largest and most commonly used. Before you can have a credit profile with them, you must have a D-U-N-S number. This is how they identify your business.
If you do not have a D-U-N-S number, you will not have a credit profile with Dun & Bradstreet, so you definitely need the number. That’s all you need though. They will try to upsell you on other services, but stay strong and resist. You just need the number, and it’s free.
How to Build Good Business Credit: Fill the Cornucopia
Once you have your separate business credit cornucopia, it’s time to fill it with lots of yummy accounts to build your business credit big and strong. That, again, takes intentionality. You cannot just go out and start applying for credit in your business name. It won’t happen. Just as those that celebrated the first Thanksgiving Day had to actively work to provide the food for the feast, so you will have to actively build business credit. To do this, you have to work through the business credit tiers.
Starting at the bottom tier, you build enough accounts and business credit to move up to the next tier, until you reach the top. Here is a little more about each tier and what it takes to move on to the next.
How to Build Good Business Credit Using The Vendor Credit Tier
This is the first tier on your journey to fill your business credit report with accounts. It consists of starter vendors. These are vendors that will offer your business net terms on invoices without first checking your credit. Then, when you pay, they will report those payments to the CRAs. This is the second part of the answer to how to build good business credit. In this way, you can begin to build credit without having credit.
They will look at other information however. Some like to see a certain amount of time in business. Some will want you to place an initial order, or more than one, before they will extend net terms. Others will want to see a business bank account with a minimum balance. Another thing they sometimes look at is a listing in the business directories. Starter vendors may require any combinations of these things. Find out more about some of the most common starter vendors here.
How to Build Good Business Credit With The Retail Credit Tier
After you have 8 or 10 accounts from the vendor credit tier reporting positive payment information to the CRAs, you can apply for credit in the retail credit tier. These are those cards that you can only use at the specific retail store that issues them. For example, Office Depot cards that you can only use at office depot are in this tier..
How to Build Good Business Credit: Continuing to The Fleet Credit Tier
After you have enough accounts reporting from the retail credit tier, you can apply for cards in the fleet credit tier. These are cards that you can only use for fuel costs and automobile repair and maintenance. Fuelman and Shell are examples of companies that issue cards in this tier.
How to Build Good Business Credit: Finishing with The Cash Credit Tier
This is the top credit tier. It’s the goal. Once you have enough accounts reporting from the fleet credit tier you can apply for cards in this tier. It consists of the standard Mastercard, Visa, Discover, and American Express cards that are not limited to a specific store or type of expense.
How to Build Good Business Credit: Don’t Let Things Start Falling Out
Even though the overflowing cornucopia makes for a pretty Thanksgiving Day picture, you don’t really want the same effect with your business credit. If you do not handle the credit you have properly, you’ll start losing control. Be sure to pay accounts on-time. Remember, don’t buy things you cannot afford just to build business credit. You will end up with the opposite of what you want. Also, be sure you keep an eye on things. You wouldn’t want a bug eating up all that good food in your horn of plenty right?
Monitor your business credit regularly to ensure there are no mistakes and that everything is up to date. We can help you with that here.
Check out our best webinar with its trustworthy list of seven vendors to help you build business credit.
How to Build Good Business Credit: May Your Cornucopia Be Full
I think it’s clear at this point. It takes more than just paying your bills on time to build business credit. Unlike your personal credit score, your business credit score does not appear passively. You have to work to intentionally build it. It isn’t a hard process, but it is a process. You have to trust the process and act responsibly. Now that you know how to build good business credit, it’s time to get started.
The post This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit appeared first on Credit Suite.
The Science Of Emotion: 4 Keys To Effective Social Media Marketing
We all get emotional. It’s hardwired into us. Get ready, because we’re going to have to go down the rabbit hole a little bit here. Once we come out the other side, you’ll be armed with a great understanding of the science of emotion and what emotion can do for you as a marketer for …
The Good Enough Family
The Good Enough Family
The households of the not also remote past were related along 4 axes. These axes were not equally special. Some overlapped, every one of them improved each various other.
Individuals obtained wed for different factors:
1. Due to public opinion as well as social standards (the Social Dyad).
2. To create an extra synergetic or reliable financial system (the Economic Dyad).
3. In quest of psychosexual gratification (the Psychosexual Dyad).
4. To protect long-term friendship (the Companionship Dyad).
Hence, we can speak about the complying with 4 axes: Social-Economic, Emotional, Utilitarian (Rational), Private-Familial.
To show just how these axes were linked, allow us think about the Emotional one.
Up until extremely lately, individuals utilized to obtain wed since they really felt extremely highly concerning living alone, partially as a result of social stricture of reculsiveness.
In some nations, individuals still register for ideological backgrounds which advertise the household as a column of culture, the standard cell of the nationwide microorganism, a hothouse in which to reproduce kids for the military, and more. These cumulative ideological backgrounds require individual payments as well as sacrifices. They have a solid psychological measurement and also offer incentive to a host of habits patterns.
The psychological financial investment in today’s individualistic-capitalist ideological backgrounds is no smaller sized than it was in the other day’s patriotic ones. Real, technical advancements provided previous assuming inefficient as well as outdated however did not relieve Man’s crave advice as well as a worldview.
Still, as modern technology advanced, it came to be an increasing number of turbulent to the family members. Raised wheelchair, a decentralization of details resources, the transfers of the standard features of the household to personal and also social industry facilities, the enhanced occurrence of social communications, much safer sex with minimal or no repercussions – all cultivated the fragmentation of the conventional, extensive and also extended family.
Take into consideration the patterns that straight influenced ladies:.
The outcome was a significant (and also on going) re-distribution of wide range from males to ladies. Include to this the differences in life span in between the 2 sexes as well as the size of the transfer of financial sources ends up being noticeable.
Due to the fact that they live longer than males and also hence acquire them and also since they obtain a share of the marriage residential or commercial property when they separation them, females are coming to be richer. These “endowments” are generally greater than they had actually added to the pair in cash terms. Ladies still gain much less than guys.
2. A rise in financial possibilities. Social and also ethicalities transformed, innovation enables boosted movement, battles as well as financial turmoils brought about the compelled intro of females right into the work markets.
3. The outcome of females’s boosted financial authority is a much more egalitarian social as well as lawful system. Female’s legal rights are being legitimately along with informally protected in a transformative procedure, stressed by small lawful changes.
Females had actually greatly accomplished equal rights in financial and also instructional possibilities as well as are battling a gaining fight in various other domain names of life (the armed force, political depiction). It is unusual for a guy to grumble of sex-related harassment or to get spousal support or wardship of his youngsters or, in lots of nations, to be the recipient of social well-being repayments.
The development of socially-accepted (normative) solitary moms and dad as well as non-nuclear households aided females to form their lives as they see fit. Many solitary moms and dad households are headed by ladies.
Hence, progressively, the shaping of future generations comes to be the unique domain name of ladies. Also today, one third of all kids in industrialized nations expand in solitary moms and dad family members with no male number around to offer as a function design.
The resulting sex-related change impacted both sexes yet the major recipients were ladies whose sexuality was unexpectedly legitimized. No much longer under the cloud of undesirable maternity, ladies really felt complimentary to involve in sex with numerous companions.
In the face of this newly found flexibility and also the truths of altering sex-related conduct, the dual ethical basic fallen apart. The household, consequently, comes to be likewise a sex-related joint endeavor.
Transportation, urbanization, as well as interaction increased the number of experiences in between ladies as well as guys and also the chances for financial, sex-related, and also psychological communications. For the very first time in centuries, ladies were able to evaluate as well as contrast their male companions to others in every imaginable means.
10. Ladies familiarized their requirements, concerns, choices, desires and also, generally, of their appropriate feelings. They abandoned feelings and also believed patterns instilled in them by patriarchal cultures as well as societies as well as maintained with peer stress.
11. The duties and also typical features of the household were progressively deteriorated and also moved to various other social representatives. Also features such as psychological assistance, psychosexual communications, and also kid rearing are commonly delegated to outside “subcontractors”.
Cleared of these features as well as of inter-generational communications, the extended family was minimized to an inefficient covering, a center of fundamental interaction in between its staying participants, a run-down variation of its previous self.
The standard functions of ladies and also their claimed personality, tendencies, and also dispositions were no more helpful in this brand-new setting. This led females to look for a brand-new interpretation, to locate a brand-new specific niche. They were actually eliminated of their houses by its useful loss.
12. In parallel, modern-day medication boosted ladies’s life span, lengthened their youngster birthing years, boosted their wellness substantially, as well as maintained their elegance via a myriad contemporary methods. This offered females a brand-new lease on life.
In this brand-new globe, females are much less most likely to pass away at giving birth or to look decrepit at 30 years old. They have the ability to time their choice to bring a youngster to the globe, or to avoid doing so passively or proactively (by having an abortion).
Female’s expanding control over their body – which has actually been externalized, reviled as well as appreciated for centuries by males – is probably among one of the most striking attributes of the womanly change. It permits ladies to clear themselves of deeply ingrained manly worths, bias as well as sights worrying their figure and also their sexuality.
The lawful system and also various other social and also financial frameworks adjusted themselves to mirror numerous of the previously mentioned sea adjustments. Any kind of contrast in between the circumstance simply twenty years back and also today is most likely to disclose considerable distinctions.
This transformation is just a sector of a much bigger one.
In the past, the axes with which we opened our conversation were very closely and also apparently completely linked. The Economic, the Social and also the Emotional (the axis bought the conservation of social mores and also beliefs) developed one amalgam – as well as the Private, the Familial as well as the Utilitarian-Rational comprised one more.
Therefore, culture urged individuals to obtain wed due to the fact that it was psychologically devoted to a societal-economic ideological background which instilled the family members with sacredness, a historic objective and also magnificence.
Regardless of social sights of the family members, most of ladies and also males obtained wed out of a chilly economic estimation that related to the family members as an operating financial system, within which the specific efficiently negotiates. Creating family members was one of the most reliable means understood to create wide range, gather it and also move it throughout time and also room to future generations.
These typical convergences of axes were diametrically turned around in the last couple of years. The Social as well as Economic axes along with the Utilitarian (Rational) axis and also the Emotional axis are currently lined up with the Familial and also personal axes.
In other words, nowadays culture motivates individuals to obtain wed since it wants to optimize their financial result. The majority of individuals do not see it this method. They pertain to the family members as a risk-free psychological place.
The family members was one of these settings of expression. Truly, it offered as a plain financial device, empty of any kind of psychological participation as well as material.
Today, individuals are wanting to the household for psychological food (enchanting love, friendship) and also not as a tool to improve their financial and also social standing. Developing a family members is no more the means to take full advantage of energy.
These brand-new assumptions have actually undercuted the family members. Both ladies and also males look for psychological convenience as well as real friendships within it and also when they fall short to locate it, utilize their newly found self-sufficiency and also liberties as well as separation.
To sum up:.
Guy as well as females made use of to look to the family members for social as well as financial assistance. Whenever the household stopped working as a social as well as financial releasing pad – they shed passion in it as well as started looking for adulterous choices.
The duties have actually turned around. Culture currently has a tendency to check out the household in a utilitarian-rational light, as a reliable setting of company of social as well as financial task. As well as while in the past, its participants concerned the family members generally in a utilitarian-rational fashion (as a riches creating device) – currently they desire extra: psychological assistance and also friendship.
In the eyes of the person, households were changed from financial manufacturing devices to psychological giants. In the eyes of culture, family members were changed from components of spiritual and also psychological ideological background to utilitarian-rational manufacturing systems.
Ladies had actually constantly highlighted the psychological side of being in a pair and also of the household. Guy constantly highlighted the comfort and also the energy of the family members. What is taking place to the establishment of the household today is that the change is ending up being mainstream.
The appearance of socially-accepted (normative) solitary moms and dad and also non-nuclear family members aided ladies to form their lives as they see fit. The majority of solitary moms and dad family members are headed by females. Guy as well as ladies made use of to look to the household for social as well as financial assistance. Culture currently often tends to check out the family members in a utilitarian-rational light, as a reliable setting of company of social as well as financial task. Ladies had actually constantly highlighted the psychological side of being in a pair as well as of the household.
The post The Good Enough Family appeared first on ROI Credit Builders.
New comment by ComfyKrista in "Ask HN: Who is hiring? (November 2019)"
Comfy | Senior DevOps Engineer | Oakland, CA or Remote | Full-time |
Comfy is on a mission to create amazing workplace experiences. We are a leading workplace app provider that connects people, places and systems. We started by solving the number one complaint in the office (temperature!), and continue to expand to our product suite to give employees greater control over their workplace, including room booking, lighting and feedback. We create amazing workplace experiences through a consumer-facing app for employees and solve real business problems for corporate real estate teams. Headquartered in Oakland, California, with expertise in machine learning, UX design and enterprise service, Comfy develops software solutions for everyone — from the people who operate the building to the people who fill it.
We are looking for an experienced DevOps Engineer to help scale our product and accelerate development while ensuring we deliver a secure, stable service. You’ll own our CI/CD pipeline, monitoring, alerting and logging systems and developer experience, driving us towards more efficient work, performant systems and higher visibility. You’ll be a hero to your coworkers for automating their work and removing obstacles.
Technologies we use:
-Python
-Django
-Celery
-Twisted
-Redis
-Postgres
-Vue
-Kubernetes
-Docker
-SaltStack
-Git
-Travis CI
-AWS
-Azure
Apply here: https://boards.greenhouse.io/comfy/jobs/1945980
If you have any questions reach out to me directly at Krista.stinson@comfyapp.com
Krista
This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit
Many business owners don’t realize that there is even a question of how to build good business credit? They think that business credit works similar to personal credit. Since business personal credit builds passively by simply with handling credit wisely, they think business credit does the same. That isn’t the case however. The answer to … Continue reading This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit
Get Amazing Business Credit Cards With Rewards
Business Credit Cards With Rewards? They Can Be Yours! Get business credit cards with rewards now. We checked out a ton of business credit cards with rewards and did the research for you. So, here are our picks. Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer … Continue reading Get Amazing Business Credit Cards With Rewards
Demodesk (YC W19) Is Hiring Software Engineers in Munich
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CoinTracker (YC W18) Is Hiring Senior Software Engineers in SF
Article URL: https://www.cointracker.io/careers
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Get Amazing Business Credit Cards With Rewards
Business Credit Cards With Rewards? They Can Be Yours!
Get business credit cards with rewards now.
We checked out a ton of business credit cards with rewards and did the research for you. So, here are our picks.
Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer cards!
This shows you can get a lot more money with small business credit. And it also means you can have personal credit cards at retailers. So, you would now have an extra card at the same retailers for your business.
And you will not need collateral, cash flow, or financial data to get small business credit.
Business Credit Cards With Rewards: Benefits
Perks can differ. So, make sure to pick the perk you like from this variety of options.
Unbeatable Business Credit Cards With Rewards
Ink Business Preferred ℠ Credit Card
So check this out when you’re looking at business credit cards with rewards. Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.
This is a Visa credit card.
Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.
Details
Get 80,000 bonus points when you spend $5,000 in the initial 3 months from account opening. There is an annual fee of $95. You can add employee credit cards at no additional cost.
This credit card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases earn an unlimited flat rate of one point per dollar. And there is no introductory APR
Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-business-preferred
Terrific Business Credit Cards For Cash Back
SimplyCash Plus Business Credit Card from American Express
Take a look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases So this is for the initial 15 months an account is open.
But when the introductory period runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.
Details
This card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.
Also, get 5% cash back at US office supply stores and on wireless telephone services. So, these must be bought from United States providers. But this pertains to the initial $50,000 of annual spending. Then, you earn 1% cash back.
You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending. Then, you earn 1% cash back.
Cash-back bonuses are automatically credited to the customer’s billing statement.
Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.
And, it applies if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279
Capital One® Quicksilver® Card
Make sure to check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 annual fee.
New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that.
A cash bonus of $150 is on offer for those who make a minimum of $500 in purchases in 3 months of account opening.
Details
Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.
This credit card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.
Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.
Get it here: https://www.capitalone.com/credit-cards/quicksilver/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Small Business Credit Cards with 0% APR – Pay Absolutely Nothing! A Terrific Alternative to Business Credit Cards With Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR
Earn 3 points/dollar spent when you book travel through the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can get unlimited points and points never expire.
Details
There is a 25,000-point sign-up bonus when you spend $1,000 in the first 60 days of opening up the account. Cardholders get travel accident insurance, and lost luggage reimbursement.
They additionally get trip cancellation coverage, trip delay reimbursement and other perks.
There is no introductory rate for balance transfers. Also, bonus categories are limited.
Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/
JetBlue Plus Card
Consider the JetBlue Plus Card for yet another offer of a 0% introductory APR
Get six points/dollar on JetBlue purchases, two points/dollar at restaurants and grocery stores. And get one point/dollar on all other purchases.
Details
Spend $1,000 in the initial 90 days and pay the annual fee, and earn 40,000 bonus points. New cardholders receive a 12 month, 0% initial APR on balance transfers made in 45 days of account opening.
Afterwards, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.
There is a $99 annual fee for this card.
Get it here: https://cards.barclaycardus.com/cards/jetblue-card/
Remarkable Business Credit Cards with No Annual Fee – a Great Complement to Business Credit Cards With Rewards
Uber Visa Card
Check out the Uber Visa Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.
The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases.
So, this includes retailers and subscription services like Uber and Netflix. And earn 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly in the app.
By spending a minimum of $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 yearly are eligible to receive a $50 credit toward online subscription services.
Details
If you pay your cell phone bill with this card, you are insured up to $600 for cellphone damage or theft.
Cardholders are eligible for exclusive access to certain events and offers. Uber anticipates the majority of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.
But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.
Also, there are restrictions on Uber credits. To redeem points as credits within the Uber app, accumulate at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.
Get it here: https://www.uber.com/c/uber-credit-card/
Costco Anywhere Visa® Business Card by Citi
Not taking Uber? Then you’ll want to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?
This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Get 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.
Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.
Also, there is no sign-up bonus available with this card.
Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card
Ink Business Cash℠ Credit Card
Check out the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.
There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable.
The credit card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.
Details
Earn extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.
Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.
Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash
United MileagePlus Explorer Business Card
Get a good look at the United MileagePlus Explorer Business Card.
Get 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening.
Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.
Details
Also, get two United Club passes annually. And get hotel and resort perks including upgrades. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.
Also, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.
After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.
Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business
Starwood Preferred Guest® Business Credit Card from American Express
Another option is the Starwood Preferred Guest Business Credit Card from American Express.
This card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Get six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.
And get four points per dollar at US restaurants, American filling stations, and on American purchases for shipping.
Also, get four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.
Details
Earn 75,000 bonus points when you spend $3,000 in the first three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.
Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.
The biggest issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 after that. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR
Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card
Reliable Low APR/Balance Transfers Business Credit Cards
Discover it® Cash Back
Look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.
After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.
Details
You can earn 5% cash back at different places each quarter. So, these are establishments like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. Also, automatically earn unlimited 1% cash back on all other purchases.
You will get an unlimited dollar-for-dollar match of all the cash back you have gotten at the end of your first year, automatically.
Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html
Credit Builder Company Credit Cards – Make Your Credit Surge!
Discover it® Student Cash Back
Make sure to look at the Discover it® Student Cash Back card. It has no yearly fee. The credit card also has a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.
One one-of-a-kind feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or better each school year, the card will award the $20 statement credit every year for up to five years.
Details
Use this credit card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will be vital. And this card offers an excellent way to raise FICO while also getting rewards.
You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.
In the first year, all cash back rewards are matched 100%.
Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And although they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.
Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html
Secure Business Credit Cards for Average Credit
Capital One® Spark® Classic for Business
For fair credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. The card gets an unlimited 1% cash back on all purchases. There is an annual fee of $0.
With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.
But KEEP IN MIND: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Small Business Credit Cards for Luxurious Travel Points
Capital One® Spark® Miles for Business
Be sure to check out the Capital One® Spark® Miles for Business card. So, with this card, you can earn 2 miles per dollar on all purchases. When you spend $4,500 within the first 3 months of opening an account, you can earn 50,000 miles. So, that is worth $500 in travel.
Benefits for cardholders include an auto rental collision damage waiver, and purchase security. And they also include extended warranty coverage. And you get travel and emergency assistance services.
Cardholders will pay $0 introductory for first year. But they will pay $95 after that for the annual fee.
There is no 0% APR for purchases or balance transfers with this card. The APR is 18.74% (variable).
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
IHG ® Rewards Club Premier Credit Card
Consider the IHG ® Rewards Club Premier Credit Card. it earns hotel rewards worldwide. For each dollar spent at participating IHG hotels, get 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants.
And all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.
Details
This card provides a free one-night hotel stay annually. Plus, there is a range of benefits like travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.
The biggest issue is that the card does not offer a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the annual fee is $89.
Get it here: https://creditcards.chase.com/a1/ihg/premiernaep
Marriott Rewards® Premier Plus Credit Card
This credit card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases.
Spend $3,000 in the first three months from account opening and get two free night awards (each worth up to 35,000 points).
Cardholders get access to perks including a free one-night stay yearly after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.
Details
Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.
Spend $35,000 each account year, and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.
So there is an annual fee of $95. The APR is a 17.99– 24.99% variable.
Get it here: https://creditcards.chase.com/marriott/apply
Ironclad Secured Credit Cards
Wells Fargo Business Secured Credit Card
Look at the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per credit card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is meant to help cardholders develop or rebuild their credit.
Pick this card if you wish to get 1.5% per dollar in purchases with no limits or get one point for every dollar in purchases. You also earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.
Details
Also, you get free FICO scores every month. There are no foreign transaction fees. So it is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.
APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a credit card for balance transfers.
So, get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/
The Perfect Business Credit Cards With Rewards for You
Your outright best business credit cards with rewards will hinge on your credit history and scores.
Only you can select which features you want and need. So, make sure to do your homework. What is outstanding for you could be disastrous for other people.
So, as always, be sure to develop credit in the recommended order for the best, quickest benefits.
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