Day: February 5, 2020

New comment by mluong418 in "Ask HN: Who is hiring? (February 2020)"

Affirm|Software Engineers|Onsite (SF,NYC,CHI)|Full-time
Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

We’re looking for motivated software engineers who will build products and systems that serve our customers, merchant partners, and employees. Our team must maintain utmost efficiency and deliver a seamless experience with every customer interaction and we need passionate engineers to help us do this. Affirm is growing rapidly and we welcome all levels to apply!

Apply here: https://jobs.lever.co/affirm?team=Engineering

Check out our work: https://tech.affirm.com/

Learn about our D&I initiatives: https://www.affirm.com/diversity-inclusion

If you’re in the Chicago area, swing by our event to learn more about our new growing office and the opportunities there:https://affirmchicago.splashthat.com/

New comment by syvex in "Ask HN: Who is hiring? (February 2020)"

Tempus Ex | tempus-ex.com | San Francisco, CA | Onsite | Full Time

With our real-time 3D tracking technology, we create data models for live predictive analytics. This enables new types of fantasy sports games that are more engaging for fans—both in the stadium and at home.

We also create interactive AR experiences for fans that improve the engagement with teams and players. These experiences can be personalized and easily integrate with social media.

With unprecedented access to sporting events, we aim to partner with sports leagues around the world to implement this technology. With hands-on R&D at live events, we are developing edge hardware that streams to our cloud-based ML systems.

* Backend Engineers

* iOS Engineers

* ML Engineers

* Data Scientists

* Product Managers (need sports expertise)

Contact: info@tempus-ex.com

More info: https://triplebyte.com/company/public/tempus-ex

Getting started with Paper.li Starter

Welcome to Paper.li Starter! Below you’ll find tips and best practices for getting the most out of your Starter Plan. Make sure you’re getting the best and most accurate content using smart topics, URLs, RSS … The post Getting started with Paper.li Starter appeared first on Paper.li blog.

Tips for Financial Planning

Tips for Financial Planning

Financial prep work is hard simply because of the truth that it requires financial method, which is tough to have in this consumer society. Economic prep work is incredibly necessary given that you want to retire eventually, be monetarily constant in the event of an accident, or unexpected loss of a job.
The sticking to suggestions will definitely help get you in devices to start your financial prep work. When you have really made financial prep work part of your program, it will certainly not show up so challenging.

Financial Planning Tip # 1 Pay off Debt

Amongst the biggest facets combating versus financial prep work is economic debt, especially cost card monetary debt. Because you were not paying off the economic debt, if something starts off as a little economic debt it changes right into a substantial one simply.

One even more financial prep work suggestion is to invest. Financial prep work suggests you are saving for the future in the majority of instances, so you will definitely plan to take financing you make today as well as acquisition the supply exchange, in bonds, IRAs, 4019k) or a mix of every one of the above.

Regardless of, financial prep work is a whole lot extra important than consumerism. Make expenses a lot less than you obtain part of your financial prep work.

Financial Planning Tip # 4 Budget

A great financial prep work pointer is budgeting. You will certainly not have the capability to preserve unless you recognize what you spend. Make budgeting part of your financial prep work in addition to you will absolutely acknowledge preserving is not so challenging.

One of the biggest facets combating versus financial prep work is monetary debt, specifically financial debt card monetary responsibility. Financial prep work recommends you have a method as well as paying off economic debt requires to be the preliminary purpose of your technique.
An extra financial prep work recommendation is to invest with an objective in mind. ( For even more information on this, routine a FREE Consultation Session with us and also we will certainly review this technique with you.).

Amongst the biggest elements combating versus financial prep work is monetary debt, particularly fee card economic debt. Because you were not paying off the economic debt, if something starts off as a little economic debt it changes right into a substantial one simply. Financial prep work is tough simply due to the reality that it calls for financial self-constraint, which is difficult to have in this consumer society. One of the biggest elements combating versus financial prep work is economic debt, especially financial obligation card monetary responsibility. Financial prep work recommends you have a method as well as paying off economic debt requires to be the preliminary purpose of your technique.

The post Tips for Financial Planning appeared first on ROI Credit Builders.

How I Generate 18,800 Visitors from Google Without SEO or Ads

If you want to get traffic from Google, how would you go
about it?

Chances are you are either going to leverage SEO or pay for
some ads.

But what if there was another way to get traffic from Google? A way that didn’t take as long as SEO and didn’t cost money like paid ads. And no, I’m not talking about Google News… there is actually an easier way.

It’s so effective that it drove 18,800 visitors to my site in the last 3 months. Just look at the screenshot above.

So, what is it?

Google Discover

Similar to how you have feeds on Facebook, Instagram, and Twitter, did you know Google has a feed for you.

It’s called Google Discover.

If you mainly use Google on your laptop or desktop computer, chances are you haven’t seen it. But if you have the Google mobile app or the Chrome mobile app, you probably have already seen it.

Here’s what it looks like on an iPhone:

This is Google’s version of a social feed.

Here’s how it works… Google Discover results, which appear below the search box on the Google mobile app and Chrome mobile app, show a summary of web pages as cards. These cards are a scrollable list of topics, almost like a social feed, that you can browse on your mobile devices.

Tapping one of these cards from Google search home will send
you directly to the page you just clicked on.

And if you are wondering why you are seeing certain stories
that others may not be, it’s because the recommendations are based on search
history, interactions with Google products, and who you choose to follow
directly via Google Discover.

But here is where it’s getting interesting…

Google Discover is everywhere, you just don’t know it

Discover results for some topics also appear within the
search engine results under the label “Interesting finds.”

If you click one of these stories, it’ll take you directly to that web page, or, if you click to see “more stories” at the bottom of the Interesting Finds card, it’ll bring you to a new Google Discover user interface where you can follow that topic, follow related topics, and explore related Discover listings.

Now if you have a Pixel phone, you’ve seen Discover a lot, but again you just haven’t realized it.

By simply swiping right on your Pixel phone home screen you
get a customizable and personalized feed just like the image above.

Now, you may be wondering, how is this different than just
using Google News? Because they have a top stories section which is kind of
like a feed, right?

Unlike top stories, Discover doesn’t limit rankings to what’s published most recently.

If Google thinks a user would find earlier content
interesting, then Discover might show it. Discover also features videos, sports
scores, entertainment updates such a movie, stock prices, event info for things
like a music festival, and much more.

Google is positioning Discover as a content hub for all of your interests just like Facebook is doing with their feed.

In other words, this is Google’s version of your Facebook
feed.

Similar to following a hashtag on Instagram, you can follow
a topic of interest on Discover. Also, similar to Instagram’s Explore Page, you
don’t need to follow anything to get content you might like. Discover is aiming
to show you content you’d be interested in before you even know you want
it.

The key is “before you knew about it.” Just like how Facebook and Instagram do the same thing.

So, why should you care about Google Discover?

Because it can drive you a ton of traffic.

Just check out one of the clients of my ad agency, Neil Patel Digital. Look at their Discover traffic.

They generated 3.64 million impressions in the last 28 days
and 79,000 clicks to their site.

That’s a ton of traffic. In addition, all of those impressions help with branding.

Now you may not care about branding but the larger your
brand, the easier it is to rank on Google. Brand search volume is more correlated
with rankings than links or domain authority.

And as Google’s ex-CEO stated:

Brands are the solution, not the problem. Brands are how you sort out the cesspool.

So, all of those impressions you can generate from Discover are great because they will help put your brand out there. It helps with the concept called the Rule of 7, in which when someone sees or interacts with your brand 7 times, they are much more likely to become a loyal customer.

This can also help with Google’s E-A-T algorithm updates. It is the best way if you want to build up your expertise and credibility as an author. Discover is a simple way to help you get there.

So, how can you get more traffic from Discover?

How to optimize for Google Discover

Luckily, it’s not as complicated as SEO and the results happen
much faster. Still not instant, but over time you should see your Discover
traffic continually rising.

Here are 3 simple tips that will help:

  1. Be sure to use high-quality images. Images appear with every Discover result, so relevant and high-quality images that accompany your content is important. And just like with your headlines and titles, try to choose images that are more likely to entice clicks. Images that are shocking or evoke curiosity will do the trick.
  2. Content is king, but if you don’t write about the right stuff then you won’t show up. Check which topics Google suggests following inside of Discover to see if those topics align with your website. If it does, consider using their suggested topics as a guide to what people are interested in and write similar content. Of course, you don’t want to copy others, you want to go above and beyond so you can one-up your competition. Use Brian Dean’s skyscraper technique to do this.
  3. Hopefully, when you’re creating your website content, you’re already taking some time to think about maximizing your content. What do I mean by that? Maximizing your content means thinking about your website as an API for your content. So yes, your content lives on your site, but hopefully, you’re creating it keeping in mind how it can be posted or promoted in other areas so you can secure backlinks and attract social engagement across other relevant channels. To do this you need to focus on topics with shareability, topics that are trending, topics with growing interest, and also focus on leveraging clickbait and enticing titles and headlines. Remember that Google Discover is like a social feed. If you’re only trying to make your content work hard for you on your site, you’re not getting enough out of it.

Once you make a deliberate effort to go after Discover
traffic, it’s time to measure how you are doing.

Analyzing your traffic

Chances are, you use Google Analytics. But to see how well you are doing on Discover, it’s easier if you use Google Search Console.

Head over to Search Console and log in.

Now, on the left side, you’ll see a navigation menu.

I want you to click on “Discover.” (You’ll only see this option if you hit a minimum threshold in Discover traffic)

You’ll now see a report that looks something like this.

Compared to the screenshot I showcased earlier, I barely get
any Discover traffic.

Why you may ask?

Do you notice a trend with my chart? Well, I tend to publish content every Tuesday and that’s the day I get Discover traffic.

Similar to any other social network (and unlike traditional SEO), you mainly see traffic as you post new content. It’s not long-term traffic that is consistent, instead, you keep getting quick bursts of traffic.

I only blog once a week, but if I write multiple pieces of
content a day, my Discover traffic would skyrocket.

Conclusion

Whether you are a fan of Discover or not, it doesn’t matter. As a marketer, you need to look at it as another channel.

Data has already shown that it is popular and as long as
Google keeps pushing it, people will use it.

So why not leverage it to your advantage and harness it to drive traffic and sales for your site?

Plus, you should never rely on traffic from just one channel alone because the moment an algorithm change happens, it can crush your traffic. That’s why you need to take an omnichannel approach and leverage any relevant channel out there.

So, what do you think of Discover? Do you use it on your
phone? Have you thought about leveraging it for traffic to your site?

The post How I Generate 18,800 Visitors from Google Without SEO or Ads appeared first on Neil Patel.

Getting started with Paper.li Pro

Welcome to Paper.li Pro! Below you’ll find tips and best practices for getting the most out of your Pro Plan. Personalize your paper with commentary, visuals, links, pinned articles, and more personal brand building features. … The post Getting started with Paper.li Pro appeared first on Paper.li blog.

What is Business Credit and How Does it Affect Fundability?

There is a lot of talk out there about what is business credit.  That’s an important question, but it cannot be answered without another question coming up.  That is, how does it affect fundability? Then of course, the question can be asked, what exactly is fundability? All of these questions build on each other.

What is Business Credit?  It’s the Cornerstone of Fundability

The truth is, business credit is a huge piece of overall fundability.  It isn’t everything, but I’d venture to say if how you set up your business is the foundation of fundability, business credit is the cornerstone.  Consider how a building is made of thousands of stones, but one crack in the foundation or chink in the cornerstone can bring it all crashing down.  The same is true of business credit. You can lose a stone here or there and, while it will definitely cause trouble, as long as the foundation and cornerstone are solid you have something to work with. 

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit. 

First, what is Fundability? 

Before I can answer what biz credit is, I need to address fundability.  In short, fundability is how a lender views a borrower in terms of credit risk.  Most borrowers believe this has mainly to do with credit history. In part, this is true.  It does have a lot to do with credit history. However, there is way more to it than that. 

Pieces of the Fundability Puzzlewhat is business credit Credit Suite

There are many things that affect fundability.  Since it all connects to form a bigger picture, I like to think of it as a puzzle.  The pieces of the puzzle can be named however, and it is easier to put them together if you work on them in order.  If you work in order, the other pieces will usually fall into place pretty easily. You can still complete the puzzle if you work it differently, but it will be harder and take longer. 

In the case of fundability, you should start with the foundation.  Think of this as the corners and the edges of the puzzle. Everyone knows the puzzle goes faster if you start with those pieces, right? 

Foundation of Fundability

There are many pieces that help a business form a fundable foundation.  They are related to how your business is set up. It includes, among other things, being certain you incorporate your business.  This is vital. Find out more about how to build a foundation of fundability, as well more about fundability in general, go here. 

Next Comes Business Credit

After the foundation, business credit is one of the largest pieces of the puzzle.  If you can get it into place, you will be able to start to see the bigger picture. It can take a while to build this piece however.  It’s almost a smaller puzzle all on its own. More on business credit and how to build it later. For now, here are a few things that can affect your business credit that you might not realize.

Other Business Data Agencies 

In addition to the business CRAs that directly calculate and issue your credit reports, there are other business data agencies that affect those reports indirectly.  Two examples of this are LexisNexus and The Small Business Finance Exchange. These two agencies gather data from a variety of sources, including public records.  This means they could have access to information relating to automobile accidents and liens. While you may not be able to access or change the data the agencies have on your business, you can ensure that any new information they receive is positive.  Enough positive information can help counteract any negative information from the past. 

Identification Numbers 

In addition to the EIN, which is part of a fundable foundation, there are identifying numbers that go along with your business credit reports.  You need to be aware that these numbers exists. Some of them are assigned by the agency. However, one of them you have to apply to get. It is important that you do this. 

Dun & Bradstreet is the largest and most commonly used business credit reporting agency.  Every credit file in their database has a D-U-N-S number. You have to apply for it. You can do so on the D&B website. 

Business Credit History

Your credit history has to do with everything related to your credit score, which is a huge factor in the fundability of your business.  Many things affect your business credit history, but the more accounts you have reporting on-time payments, the stronger your credit score will be. 

Business Information

On the surface, it seems obvious that all of your business information should be consistent across the board.  However, when you start changing things up you may find that some things get missed. This is a problem because a ton of loan applications are turned down each year due to fraud concerns simply of things not matching up.  

Maybe your business licenses have your personal address but now you have a business address.  You have to change it. Perhaps some of your credit accounts have a slightly different name or a different phone number listed than what is on your loan application. Do your insurances all have the correct information?  

The key to avoiding this problem  is to monitor your reports frequently.   

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit. 

Business and Personal Financial Statements

This encompasses a broad spectrum of things.  First, both your personal and business tax returns need to be in order.  Of course, you also need to be paying both your business and personal taxes.  

Beyond that, it is best to have an accounting professional prepare regular financial statements. Having an accountant’s name on financial statements lends to the legitimacy of your business. If you cannot afford this monthly or quarterly, then at least have professional statements prepared annually. Then, they will be available whenever you need to apply for a loan. 

Bureaus

There are several other agencies that hold information related to your personal finances. Everyone knows about FICO.  Your personal FICO score needs to be as strong as possible. Almost all traditional lenders will look at personal credit in addition to business credit. 

In addition to FICO reporting personal credit, there is ChexSystems.  This keeps up with bad check activity. It can make a difference when it comes to your bank score.  If you have too many bad checks, you will not be able to open a bank account. That will cause serious fundability issues. 

For this point, everything comes into play.  Have you ever been convicted of a crime? Do you have a bankruptcy or short sell on your record?  How about liens or UCC filings? 

Personal Credit Does Affect Business Fundability

Your personal credit score from Experian, Equifax, and Transunion all make a difference.  You have to have your personal credit in order because it will definitely affect the fundability of your business.  If it isn’t great right now, get to work on it. The number one way to get a strong personal credit score or improve a week one is to make payments consistently on time. 

Also, make sure you monitor your personal credit regularly to ensure to stay ahead of mistakes.

Application Process

So much plays into this that you may not even think about. First, consider the timing of the application.  Is your business currently fundable? If not, do some work first to increase fundability. Next, make sure that your business name, business address, and ownership status are all verifiable.   Lastly, make sure you choose the right lending product for your business and your needs. Do you need a traditional loan or a line of credit? Would a working capital loan or expansion loan work best for your needs?  Choose the right product to apply for can make all the difference. 

But What is Business Credit? 

Now that you see how business credit is just a piece of the bigger picture of fundability, it is easier to put it into context.  There is still the all-important question of what is business credit left to answer however. At its core, business credit is to your business what your personal credit score is to your personal finances.  Lenders use it to help determine whether you are a good credit risk, or not. 

Here’s the thing.  Business credit does not build passively like you personal credit does. You have to actively work to build it.  The first step in this process has to do with how you set up your business. It is exactly the same as setting up your business with a foundation of fundability.  You cannot build business credit without a fundable foundation. 

Why Do You Need It?

As noted above, business credit is just a piece of what makes a business fundable.  Another piece is the personal credit of the owner. That being the case, along with the fact that business credit simply builds as a result of your personal payment history, why do you even need business credit? 

Here’s why.  Having separate business credit can free up your personal credit from business transactions.  If you have a ton of business debt on your personal credit report, it could make it hard for you to get a loan for things such as a home or a car.  

What is Business Credit and How Do You Get It? 

Now that we’ve answered the question of what is business credit, you need to know how to get it. There is a process for building business credit, and if you follow it, you will be successful.  The first step is that foundation. The next step is getting accounts to report your on-time payments to your business credit rather than your personal credit. 

This is trickier than you may realize at first.  Similar to personal credit, it is hard to get business credit without already having business credit.  We know how to get around this however. 

Vendor Credit Tier

First you need to establish trade lines that report your payments to the business CRAs.  This is also known as the vendor credit tier. Then you’ll have an established credit profile, and you’ll begin building a business credit score. With an established business credit profile and score you can begin to get credit in the retail and cash credit tiers.

These kinds of accounts are usually for the things bought all the time, like marketing materials, shipping boxes, outdoor workwear, ink and toner, and office furniture.

What is trade credit? These trade lines come from credit issuers who will extend credit in the form of net 30, 60, or 90-day invoices without checking your credit.  This is not revolving credit, but since they report to the business CRAs, it serves the purpose anyway. 

Of course, not all vendors will do this. You need merchants that grant an approval with very little effort. You also need them to be reporting to one or more of the big three CRAs.  These are Dun & Bradstreet, Equifax, and Experian.

You want 5 to 8 of these to move onto the next step, which is the retail credit tier. Go here for more about the vendor credit tier and a list of a few starter vendors to get you going in the right direction.

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit. 

Retail Credit Tier

Once there are 5 to 8 or more vendor trade accounts reporting to at least one of the CRAs, then move to the retail credit tier. These are businesses like Office Depot and Staples that issue credit cards for use at their stores only.

Fleet Credit Tier

Are there 8 to 10 accounts reporting? Then move onto the fleet credit tier. These include service providers like BP and Conoco. You can only use this credit to purchase fuel, and to fix, and take care of vehicles. 

Cash Credit Tier

This is the top tier.  If you have been using your credit in the other tiers responsibly, you should have a well-established credit score and be able to apply for credit in this tier.  These are general Visa, Discover, and Mastercard options that are not limited by location or type of purchase. They also generally have better rates and rewards. 

What is Business Credit?  Vitally Important!

Business credit is hugely important to the success of your business.  It can open opportunities to funding that you would not have otherwise.  It does take some time and some work to build it, but your business will be better off for it.   

The post What is Business Credit and How Does it Affect Fundability? appeared first on Credit Suite.

You Too Can Get a Bad Credit Business Credit Card

Need a bad credit business credit card? Poor personal credit does not have to affect whether you get a business credit card.

The Best Bad Credit Business Credit Card

We researched every bad credit business credit card we could find for you. So, here are our preferences.

Per the SBA, small business credit card limits are a whopping 10 – 100 times that of consumer credit cards!

This demonstrates you can get a lot more money with business credit. And it also shows you can have personal credit cards at retail stores. So, you would now have an additional card at the same retailers for your business.

And you will not need collateral, cash flow, or financials to get business credit.Bad Credit Business Credit Card Benefits

Perks can vary. So, make certain to choose the benefit you like from this assortment of alternatives.

Get a Secure Bad Credit Business Credit Card for Average Credit

Capital One® Spark® Classic for Business 

For average credit, we like the Capital One Spark Classic for Business. It has no yearly fee. There are cash-back rewards. The card earns 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 BEAR 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/ 

Get a Bad Credit Business Credit Card and Build Your Credit

Discover it® Student Cash Back

Make sure to check out the Discover it® Student Cash Back card. It has no yearly fee. The credit card also offers 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 distinct feature is that it offers an incentive for scholars to maintain good grades with a $20 statement credit. If students 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 card to build personal credit. While this is a personal card versus a company credit card, for new credit users, their FICO scores will matter. And this card provides an excellent way to raise FICO while also getting rewards.

You can get 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 even though 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 

Get a Bad Credit Business Credit Card with a Low APR/Balance Transfers

Discover it® Cash Back

Have a 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 every quarter. So, these are places like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. In addition, automatically get unlimited 1% cash back on all other purchases.

You will earn an unlimited dollar-for-dollar match of all the cash back you have earned at the end of your first year, automatically.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html 

Get an Ironclad Secured Bad Credit Business  Credit Card

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 build or rebuild their credit.

Choose this credit card if you want to earn 1.5% per dollar in purchases without any limits or get one point for every dollar in purchases. You also get 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. 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.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/ 

Get a Bad Credit Business Credit Card with 0% APR – Pay Absolutely Nothing!

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 annual fee and comes with a 0% introductory APR on purchases for the initial nine months. After that, 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 will never expire.

Details

There is a 25,000-point sign-up bonus when you spend $1,000 within the initial 60 days of opening the account. Cardholders get travel accident insurance, and lost luggage reimbursement. 

They additionally get trip cancellation coverage, trip delay reimbursement and other benefits.

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 an additional offer of a 0% introductory APR

Earn six points/dollar on JetBlue purchases, two points/dollar at eateries and grocery stores. And get one point/dollar on all other purchases. 

Details

Spend $1,000 in the first 90 days and pay the yearly fee. So, then you can get 40,000 bonus points. New cardholders receive a 12 month, 0% introductory APR on balance transfers made within 45 days of account opening.

After that, 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 yearly fee for this card.

Bad Credit Business Credit Card Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/  

Get an Extraordinary Bad Credit Business Credit Card with No Annual Fee 

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 provides 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 such as 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 a minimum of $5,000 annually are eligible to receive a $50 credit toward online subscription services. 

Details

If you pay your cellular phone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to specific events and offers. Uber expects 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. So 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 in the Uber app, accrue a minimum of 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 need to fill your gas tank someway. 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.

So note: the $0 yearly 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. Businesses can get cash back with each purchase. Spend $3,000 in the initial 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. Thereafter, the APR is a 15.24 – 21.24% variable. 

The card includes travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn additional 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.

Earn 2 miles/dollar with United and at restaurants, gas stations and office supply stores. All other purchases get 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the first 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. In addition, get early check-in and late checkout. And get an auto rental collision damage waiver. 

And 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 alternative 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. Earn six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And earn four points per dollar at American restaurants, US filling stations, and on US purchases for shipping. 

Also, earn 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 

Get a Terrific Bad Credit Business Credit Card for Cash Back

SimplyCash Plus Business Credit Card from American Express

Consider 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 first 15 months an account is open. 

But when the introductory period ends, 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 phone services. So, these must be purchased from US providers. But this pertains to the initial $50,000 of yearly spending. Then, you get 1% cash back.

You also earn 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 yearly spending. Then, you earn 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this credit 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 kicks in 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 

Look at 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. And then they have a 14.74 – 24.74% (variable) APR after that. 

A cash bonus of $150 is available for those who make a minimum of $500 in purchases within 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 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/ 

Bad Credit Biz Card Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Get an Unbeatable Bad Credit Business Credit Card for Jackpot Rewards

Chase Sapphire Preferred® Card

Check out at the Chase Sapphire Preferred® Card for travel points.

You can earn two points to the dollar spent on travel and dining at restaurants. And you can get one point per dollar on all other purchases. Points can be redeemed for cash back, gift cards, or travel. 

The card’s benefits include trip cancellation insurance, travel and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection and extended warranty protection.

When you spend $4,000 in the initial 3 months from account opening, you will get 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

Details

You can get an unlimited two points per dollar for travel and dining at restaurants. Then afterwards earn one point per dollar for all other purchases. Points will transfer equally to 13 leading frequent travel programs with partners. So, these include British Airways, Southwest Airlines, United, and Marriott.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 – 24.74% variable. Also, the card has an annual fee of $0 introductory for the first year. And then it skyrockets to $95.

Get it here: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred 

Ink Business Preferred ℠ Credit Card

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 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

Earn 80,000 bonus points when you spend $5,000 in the first 3 months from account opening. There is an annual fee of $95. You can add employee credit cards at no additional cost.

This 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 get 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 

Bad Credit Biz Credit Card Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

The Perfect Business Credit Cards for You

Your outright best bad credit business credit card will hinge on your credit history and scores.

Only you can pick which features you want and need. So, make sure to do your homework. What is excellent for you could be catastrophic for somebody else.

And, as always, be sure to establish credit in the recommended order for the best, speediest benefits.

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