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Are you an entrepreneur looking for 0% APR Business Credit Cards? Check out our choices – you can make it work for your business.
We looked into lots of low and zero APR business credit cards for you. So, here are our choices.
Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal credit cards!
This reveals you can get a lot more cash with business bank card.
And you will not need collateral, cash flow, or financials to get small business credit.
Benefits can vary. So, see to it to select the benefit you like from this selection of alternatives.
And always check rates on the appropriate sites.
Take a look at the Blue Business® Plus Credit Card from American Express. It has no yearly charge. There is a 0% introductory APR for the initial year. Afterwards, the APR is a variable 13.24– 19.24%.
Get double Membership Rewards® points on everyday business purchases like office supplies or client suppers for the initial $50,000 spent each year. Get 1 point per dollar later on.
You will need good to superb credit scores to qualify.
Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/
Also have a look at the American Express ® Blue Business Cash Card. Note: the American Express ® Blue Business Cash Card the same as the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash versus points.
Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. After that get 1%.
It has no annual fee. There is a 0% initial APR for the first year. Afterwards, the APR is a variable 13.24– 19.24%.
You will need great to excellent credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/
Take a look at the Bank of America ® Business Cash Rewards MasterCard ® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 12.24%– 22.24% variable. There is no annual charge. You can get a $300 statement credit deal.
Get 3% cash back in the category of your choice. So these are gasoline stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. After that earn 1% after, with no restrictions.
You will need excellent credit scores to qualify.
Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/
Take a look at the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% initial APR for the first year. After that, the APR is a variable 13.24– 19.24%. You can get a $750 one-time cash bonus after spending $7,500 in the first 3 months from account opening.
You can get 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.
Get 2% cash back on the first $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can earn.
You will need outstanding credit to get approved for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF
Take a look at the Capital One ® Spark® Cash for Business card. It has an introductory $0 annual charge for the initial year. After that, this card costs $95 annually. There is no initial APR deal. The regular APR is a variable 20.99%.
You can get a $500 one-time cash bonus after spending $4,500 in the first three months from account opening. Get unlimited 1.5% cash back with Cash Select.
You will need great to impressive credit to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Check out the Discover it ® Business Card. It has no yearly fee. These are 0% APR business credit cards for one year. Afterwards the regular APR is a variable 14.49– 22.49%.
Get unlimited 1.5% cash back on all purchases, without any category constraints or bonuses. They double the 1.5% Cashback Match 
at the end of the initial year. There is no minimal spend requirement.
You can download transactions quickly to Quicken, QuickBooks, and Excel. Note: you will need good to outstanding credit to get approved for this card.
https://www.discover.com/credit-cards/business/
Take a look at the Capital One ® Spark® Cash Select for Business card. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limitation on the cash back you can earn. Additionally earn a one-time $200 cash bonus once you spend $3,000 on purchases in the very first 3 months. Rewards never expire.
Pay a 0% introductory APR for 9 months. Then pay 13.99%– 23.99% variable APR after that.
You will need good to outstanding credit scores to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Take a look at the Capital One ® Spark® Miles for Business card. It has an initial annual fee of $0 for the initial year, which after that rises to $95. The regular APR is 20.99%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer costs. Late fees go up to $39.
This card is great for travel if your expenses do not fall under common reward categories. You can get unlimited double miles on all purchases, without any limitations. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.
Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction charge. You will need a great to superb FICO rating to qualify.
Earn 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/
For an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred ℠ Credit Card.
Pay an annual fee of $95. Regular APR is 15.99– 20.499%, variable. There is no initial APR offer.
Get 100,000 bonus points after spending $15,000 in the first 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem through Chase Ultimate Rewards.
Get 3 points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, net, cable, and phone services. Plus it includes marketing purchases made with social media sites and search engines each account anniversary year.
You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. You will need a good to remarkable FICO score to qualify.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
For no yearly fee while still getting travel rewards, take a look at this card from Bank of America. It has no annual fee and a 0% initial APR for acquisitions throughout the first 9 billing cycles. Afterwards, its regular APR is 12.24– 22.24% variable.
You can get 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.
Get limitless 1.5 points for every $1 you spend on all purchases, anywhere, every time. And this is regardless of how much you spend.
Likewise earn 3 points per every dollar spent when you book your travel (automobile, hotel, airline) with the Bank of America ® Travel Center. There is no limit to the number of points you can get and points do not expire.
You can earn up to 75% more points on every purchase if you have a corporate checking account with Bank of America and qualify for Preferred Rewards for Business.
You will need superb credit scores to get this one (as in, 700s or better).
Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Look at the Capital One® Spark® Classic for Business. It has no yearly cost. There is no introductory APR offer. The regular APR is a variable 26.99%. You can get unlimited 1% cash back on every purchase for your company, with no minimum to redeem.
While this card is available if you have average credit scores, beware of the APR. Nonetheless if you can pay on schedule, and in full, then it’s a bargain.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Your straight-out best 0% APR business credit cards depend upon your credit history and scores.
Only you can pick which features you want and need. So, to do your research. What is terrific for you could be disastrous for another individual.
And, as always, make sure to build credit in the recommended order for the very best, speediest benefits.
The post Get 0% APR Business Credit Cards appeared first on Credit Suite.
Your business credit profile is the overall picture of the creditworthiness of your business. Lenders look at it to determine whether or not they want to lend to you. Your business credit score is likely the most important piece of this. As such, it’s important to know the best way to raise credit score. You have a personal credit profile alsol, and that is considered by most lenders as well.
In fact, many lenders look at your personal credit profile first. However, if you have a strong business credit profile, it can only help you. Your business credit score is a huge part of that, so you need to know the best way to raise credit score for business.
Of course, you cannot let the rest of your business credit profile go unattended. Before you can work to execute the best way to raise credit score, you have to understand and learn how to manage your total business credit profile.
Your business credit profile is everything the business credit reporting agencies have on your business. For example, your open trade accounts, payment history, how you stand up in relation to other businesses, and more. The top three business credit reporting agencies are Dun & Bradstreent, Experian, and Equifax. FICO also offers a business credit report known as the FICO SBSS.
Keep your business protected with our professional business credit monitoring.
When a potential lender looks at your business credit profit, it can pull from any of these. The report will contain a business credit score, but it will contain a lot more as well.
So, what exactly is a business credit score? It is similar to your personal credit score, but it is for your business. Unlike your personal credit score, it is connected to your EIN, not your social security number. It is a numeric rating assigned to your business that helps a lender determine how likely your business is to repay debt. The number is calculated based on a number of things. The most influential factor is your payment history.
The more positive payment history you have, the better. That means two things. First, the longer you have been paying accounts on time the better your credit score will be. Also, the more accounts you are paying on time the better your score will be.
So, what is the best way to raise your business credit score? The simple answer is to increase positive payment history and reduce negative payment history. Let’s break it down further.
It sounds simple, but it’s not really. Unlike personal credit, not all business credit accounts report to the business credit reporting agencies. With personal credit, your payments on accounts are automatically reported to personal credit.
You have to be intentional about finding business credit accounts that will report. This can take some time and digging. A business credit expert can come in really handy here. Most vendors do not make it easy for the average Joe to find out if they report or not. A business credit expert will likely have relationships with vendors that allow them to know or find out this information more easily.
Aside from this, you can talk to vendors you already have a relationship with. You can ask them to report your payments if they already extend you credit or net terms on invoices. If they do not, you can ask if they will, and if they will then report. They don’t have to , but if they do, this can be the best way to raise credit score quickly.
You can also talk to providers that you pay monthly. Everyone pays utilities, phone, and internet bills. Ask those providers to report your payments to the business credit reporting agencies. They do not have to, but they might. If they do, this is another great way to improve your business credit score.
Handling your business responsibly in every way affects your entire business credit profile. However, handling your trade accounts responsibly by making consistent, on-time payments is the number one best way to increase credit score. After all, the business credit score tells lenders how likely you are to pay, and nothing predicts future behavior like current habits.
Sometimes the best way to raise your credit score is as simple as correcting mistakes. However, without credit monitoring, you cannot know what those mistakes are, or if there are any at all. Personal credit monitoring is easy. You can access a full, complete report annually for free. Not only that, there are a plethora of free apps that offer a peek at your credit score and summary report throughout the year.
Keep your business protected with our professional business credit monitoring.
That is not the case with your business credit report however. You have to pay to get a glimpse of it at all. Each of the big three offer monitoring options, for a fee. Credit Suite can help you monitor your business credit for a fraction of the price.
To better understand the best way to raise credit score for your business, it can help to understand some of the differences between business credit profiles and personal profiles. There are many, but these specifically seem to cause a lot of misunderstanding and confusion among borrowers when they are denied funding.
Both business and personal credit reports are affected greatly by late payments. Yet, business credit scores are affected faster. Late payments are not reported to personal credit reports typically until they are 30 days past due. Late payments on business credit accounts are reported if only one day late.
Hard credit checks on your personal credit will lower your credit score. However, business credit reports are different. A credit check on your business credit profile does not affect your business credit score.
In addition to late payments being reported much more quickly, accounts on your business credit profile are listed by industry. In contrast, personal credit lists the name of the company that issues the credit.
Also, personal credit reports show the exact amounts of accounts, while business credit reports show rounded amounts. How long data stays on a personal credit report varies, but typically it’s the life of the file. Information stays on business credit reports an average of 3 years.
Keep your business protected with our professional business credit monitoring.
Also, with personal credit accounts, almost every account reports to the credit reporting agencies. In contrast, only about 7% of business credit accounts report to business credit reporting agencies. This is why you have to be intentional to get accounts reporting to business credit, and that is only one of many reasons working with a business credit expert is the way to go.
One last thing to note about business credit versus personal credit is this. While your business credit profile is totally separate from your personal credit profile and does not affect in any way, the reverse is not true. Your personal credit information can affect your business credit profile, and in some cases, even your business credit score.
There isn’t really one best way to raise credit score. In reality, the best way depends on what is pulling your score down to begin with. Is it a lack of sufficient history? Then you just have to give it time. Are there not enough accounts? You need to add more. Are you not paying on time? Start paying on time! Are there mistakes on your business credit report? Fix them. However, one thing is for sure. Whatever the problem is, paying your accounts consistently on-time will only raise your score. You cannot go wrong there.
The post Business Credit Profile: Best Way to Raise Credit Score? appeared first on Credit Suite.
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For all mountain, sports and nature lovers: my team in the heart of the Alps is looking for an experienced dev to help us grow our SaaS solution Smaply which helps make other organizations more human centric. Check us out:
https://www.smaply.com/careers
VP of Product marketing We are looking for a product marketer with previous top-down product marketing experience from a startup who is ready to step up and lead product marketing at Etleap. About Etleap Etleap’s mission is to transform the way businesses drive analytics projects. We started Etleap out of frustration with the exorbitant amounts … Continue reading Etleap (YC W13) Is Hiring VP of Product Marketing
EARWIG | FULL-STACK DEV | LONDON | ONSITE | FULL-TIME | EQUITY Apply here: https://app.beapplied.com/apply/uw0andhgsy?utm_source=hn earwig is a work marketplace where gig tradespeople publish ratings & reviews to find great jobs. Companies use this worker sentiment to learn, improve and attract talent. We’re tackling a salient and seriously juicy problem that could change the face … Continue reading New comment by harrisonmoore in "Ask HN: Who is hiring? (March 2021)"
Google Search Campaigns are one of the most popular forms of online advertising. If you’ve always wanted to run a Google Search Campaign of your own but didn’t know how this article will help you get started. Even if you don’t know what a Google Search Network ad is, know more than enough to run …
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VP of Product Marketing We are looking for a product marketer with previous top-down product marketing experience from a startup who is ready to step up and lead product marketing at Etleap. About Etleap Etleap’s mission is to transform the way businesses drive analytics projects. We started Etleap out of frustration with the exorbitant amounts …
The post Etleap (YC W13) Is Hiring VP of Product Marketing first appeared on Online Web Store Site.
VP of Product Marketing We are looking for a product marketer with previous top-down product marketing experience from a startup who is ready to step up and lead product marketing at Etleap. About Etleap Etleap’s mission is to transform the way businesses drive analytics projects. We started Etleap out of frustration with the exorbitant amounts …
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“Got skills? Sell ’em.”
This mantra has seen millions of freelancers turn to the internet and become location-independent.
That’s not all.
Over the last decade, service marketplaces have sprung up and distributed how we work and live.
For instance, Airbnb, a marketplace for vacation rentals, has over four million hosts who have welcomed over 800 million guests. Food delivery service marketplaces are expected to reach $154.34 billion in 2023.
The success of current platforms is one of the main reasons entrepreneurs are looking to get into the business.
In this post, I’m breaking down everything you need to know about service marketplaces and how to launch one people will use.
A service marketplace is a website or app for buying and selling services. Freelancers, private individuals, or companies in various industries can advertise their services and get hired by people who need their help.
The most successful service marketplaces cater to a specific market and redefine how we manage our lives.
For example, Upwork and Fiverr have changed how companies find freelancers for gigs. These online marketplaces have also made remote work more accessible to millions of people around the world. Meanwhile, Uber and Airbnb have disrupted how we travel, created more jobs within the gig community, and given homeowners a way to make extra cash on the side.
The service industry is lucrative. In the U.S. alone, the consumer service economy is worth a whopping $9.7 trillion.
If getting a slice of that pie isn’t enough to tempt you, here are some of the top benefits for creating a service marketplace.
Curious about how to start your marketplace? Here are the top four things to keep in mind if you want yours to become successful.
The trick to finding a winning service marketplace idea is understanding the needs of sellers and buyers.
Apps like TaskRabbit and Postmates are successful because both companies figured out how to solve a problem by making it easier and cheaper to sell and buy those services.
Here are some tips for researching your niche to find a business idea:
Once you have an idea for your service marketplace, the next step is to create your website.
There are a few places to do this, including:
Whichever option you go with, there are some key features you need to include to make sure it’s a great experience for everyone involved.
Want to create a niche service marketplace for your city, region, or country? You’ll need to optimize your site for local SEO.
Local SEO is similar to organic SEO, but it focuses on the geographical element and is aimed at a group of people from a specific area.
To grow their market share and start attracting users, local traffic is a top priority for anyone selling in a certain market. In fact, 46 percent of Google searches are local, which means you’re potentially leaving a lot of money on the table by not optimizing for local SEO.
When creating your website, think about the search terms people in your area would use to find the services you offer. For example, “need help moving in [city].” Another thing to consider is the keywords service providers would use to find a gig, such as “freelance writing jobs in [city].”
While Google usually automatically assumes people are searching for services or products in their area, making sure your location’s name is involved is essential in case someone is coming from out of town.
Below, I’m breaking down the simplest marketing considerations to think about when you want to open your online service marketplace.
You can have the best marketplace with all the bells and whistles and still not succeed if you don’t have a specific problem to solve.
You need one to stand out from everyone else and make sure you’re attracting the right people to your platform.
For example, the problem Upwork solves is finding reputable freelancers quickly.
Your marketing strategy will flop if you haven’t taken the time to understand who your target audience is. This involves determining what demographics you’re targeting, including age, background, consumption habits, and more.
Google blogs in your niche, and read the comments to see what questions people ask and how they talk about their problems. Hop onto Quora and see what questions people are asking.
If you want more information, create a market research survey. Send it out to people in your network who would be a good fit. You can take it a step further and post your survey in relevant Facebook groups to get even more feedback.
Your next step in your marketing strategy is finding sellers and buyers to join your marketplace.
Luckily, there are quite a few ways you can do this without investing in paid search or social media advertising. You just have to know who your target audience is and where they hang out online.
Here are some of the most well-known and successful marketplaces:
A service marketplace can be a profitable business model if you’ve done your homework. Before investing in hosting plans or platforms, make sure you have a problem your marketplace can solve.
Despite the competition you’ll face, if you have a solid niche and you market your platform to the right people, you can achieve the same success as the Upworks and TaskRabbits of the world.
What problem do you think a service marketplace will solve in your industry?