I remember when I was first introduced to SEO, besides knowing that it’s something about getting higher rankings on search engines, I had almost zero knowledge about it and had to learn up everything as quickly as possible. Problem was, SEO is a wide-ranging subject that you can’t really master from studying a textbook. SEO …
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Business News
The manage solitary lending institution policy and also the solitary lending institution listing
The take care of solitary lending institution policy and also the solitary lending institution listing
The solitary lending institution regulation might come right into conversation and also alter it all …
The single lender solitary lending institution guideline everybody wants everyone desires rid obtain. A lot more exactly, the solitary lending institution policy claims that if an individual has actually obtained cash even more than as soon as from the very same lending institution, that loan provider is the just one qualified to combine his funding.
As there are several on the internet sources which provide details concerning the solitary loan provider policy, pupil financing debt consolidation websites are coming to be really preferred. To attempt and also remove the solitary loan provider policy regulation, individuals can call their congressperson and also inform them directly exactly how they really feel around this issue. It is crystal clear that the basic propensity is for individuals to claim no to the solitary lending institution policy, and also yes to the opportunity to select from the range of deals on the market, not simply a lending institution that has actually obtained the system to back him up.
Also if the Senate does accept the costs for this adjustment, the solitary lending institution regulation will certainly not be gotten rid of up until July the 1st Everybody hopes for the finest as the removal of the solitary loan provider policy would certainly lead to far better future viewpoints. No uncertainty investing in education and learning is the finest selection to make as well as, without the solitary loan provider policy still on, individuals would certainly have much better options to make.
Once more, everybody is urged to evaluate some Internet web pages and also see the lots of means an individual’s payment to the ballot versus the solitary loan provider guideline can make a distinction. Also if we are discussing a trainee– previous, future or existing– or a regular resident with no ramification in institution task, it does not set you back anything to provide an aiding hand and also simply go over the issue of removing the solitary loan provider policy at last from the system. As soon as the solitary lending institution policy issue is managed, pupils will certainly have much less to bother with and also the number pundit will with any luck expand.
An additional essential aspect to take treatment of (when assessing a prospective lending institution from the solitary loan provider checklist) is to validate the loan providers’ service track records (if they pay lenders on time). By taking an appearance at a solitary lending institution listing you will certainly be able to confirm if a particular loan provider takes adequate time to figure out, with each other with the customer, every little information so that the trainee will certainly have the possibility to manage paying all his financial obligations. When the solitary lending institution checklist will certainly be evaluated (after the solitary lending institution guideline is eliminated) some severe distinctions will certainly be seen.
Overall, as any kind of crucial regulation influences residents, the transforming of the solitary lending institution guideline will certainly have a smaller sized or lighter result on every person. Given that you can not benefit off the solitary lending institution checklist yet, the basic suggestions is to remain concentrated on the information, specifically if on the marketplace for pupil finances, to stay clear of any kind of incorrect choices you may make.
The solitary lending institution guideline might come right into conversation as well as transform it all …
The single lender solitary lending institution guideline everybody wants everyone desires rid obtain. Much more exactly, the solitary lending institution guideline states that if an individual has actually obtained cash even more than as soon as from the very same loan provider, that lending institution is the just one qualified to combine his lending. Also if the Senate does authorize the expense for this modification, the solitary loan provider guideline will certainly not be removed up until July the 1st Everybody hopes for the finest as the removal of the solitary loan provider regulation would certainly lead to much better future viewpoints. An additional crucial variable to take treatment of (when assessing a prospective lending institution from the solitary lending institution listing) is to validate the lending institutions’ service track records (if they pay financial institutions on time). When the solitary loan provider listing will certainly be evaluated (after the solitary lending institution regulation is eliminated) some severe distinctions will certainly be seen.
The post The manage solitary lending institution policy and also the solitary lending institution listing appeared first on Buy It At A Bargain – Deals And Reviews.
Rabbet (YC S17) is hiring full-stack engineers in Austin
Article URL: https://rabbet.com/career/
Comments URL: https://news.ycombinator.com/item?id=20954010
Points: 1
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Cover is hiring a senior Ruby developer for our Toronto office
Article URL: https://cover.applytojob.com/apply/UMAUG6V16G/Senior-Ruby-Developer-Toronto
Comments URL: https://news.ycombinator.com/item?id=20957767
Points: 1
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Your Business Credit Report
| Many small business owners don’t realize that business credit scores are distinctly separate from personal credit scores. Your business credit score has no impact on your personal credit score, and vice versa.
Business credit reflects your company’s image to potential lenders and business partners. Yet, unlike personal credit — which can be viewed only with the permission of the report holder — business credit scores are made available to the public. Anyone can view your business credit score for any reason. Furthermore, business credit is expressed with a different numerical range than personal credit. Business credit scores provide a quick view of a company’s risk potential based on a scale of 1 to 100 — the higher the score, the lower the risk. Score Range Risk Class Risk Description Score Range Risk Class Risk Description 76-1001 – Low 51-752 – Low-Medium – 26-503 – Medium 11-254 – Medium-High 1-105 – High |
| Contributing Sources: www.smartbusinessreports.com | www.sbcr.experian.com | www.businesscreditfacts.com |
The post Your Business Credit Report appeared first on ROI Credit Builders.
5 Amazing Ways You Can Get a Free Credit Score for Business
Get a Free Credit Score for Business – We Show You 5 Easy Ways to Do It
You can get a free credit score for business. There are 5 that entrepreneurs should understand.
Keeping your credit scores high is essential, so be sure you don’t miss any of these. You need to be proactive to get and improve any free credit score for business.
1. Free Credit Score for Business: Dun & Bradstreet’s PAYDEX
A PAYDEX Score from Dun & Bradstreet ranges from 0 to 100. This score has a basis in payment data which is on report to the bureau. Or it is on report to data-gathering companies partnering with the CRA. https://creditreports.dnb.com/m/business-glossary/paydex-score.html
D & B uses this data, along with a credit score and Financial Stress Score, so as to advise how much credit a loan provider should extend to your business.
Obtaining a Free Credit Score for Business from D&B’s PAYDEX
To get a PAYDEX score, you need to apply for a D-U-N-S number by using Dun & Bradstreet’s website. The number is at no cost. Plus the CRA will require to have reports of your payments with four or more merchants.
Your firm’s PAYDEX score reveals if your payments are usually made promptly or ahead of schedule. As you may expect, a higher number is better.
PAYDEX Score Information
The scores break down as follows:
- 80 – 100: A low risk of late payments
- 50 – 79: A medium risk of late payments
- 0 – 49: A high risk of late payments
D&B Business Credit Scores
Your company’s credit rating ranges from 1 to 5. 1 is the best score. This matches your business with other companies with comparable payment histories. The score shows just how often those firms tend to pay without delay.
This information can actually help loan providers to identify your company’s standing. Yet it does not really show every one of the payment records from your business.
Financial Stress Score
The Financial Stress Score also runs from 1 to 5. It matches your business with other companies sharing comparable financial and company characteristics.
These resemblances are in areas such as size or amount of time in business. This score shows just how regularly those businesses have a tendency to pay on time. As before, 1 is the very best score. This score is a more comprehensive examination of the business landscape, versus an analysis of your company’s real payment history.
An amazing PAYDEX score for your company is 80 – 100.
Find out why so many companies are using our proven methods to improve their business credit scores.
2. Free Credit Score for Business: Experian Credit Scores
Experian’s scoring system is called Intelliscore Plus. http://www.experian.com/business-information/credit-risk-management.html
What is the Intelliscore Plus Free Credit Score for Business?
The Intelliscore Plus credit score is a statistically based credit-risk assessment. The essential purpose of Intelliscore Plus is to aid companies, investors, and possible future loan providers make wise judgments regarding who they should or should not do business with.
Like an automobile dealer makes use of a customer’s FICO score to swiftly identify just how much of a credit risk a potential customer may be, the Intelliscore Plus credit score can offer insight on just how much of a credit risk a business or business owner might be.
Intelliscore Plus Credit Score Range
The Intelliscore scores vary from 1 to 100. So the higher your score, the lower your risk class. The chart below details each Intelliscore Plus credit score range as well as its associated meaning.
Score Range/Risk Class
- 76 – 100 Low
- 51 – 752 Low – Medium
- 26 – 503 Medium
- 11 – 254 High – Medium
- 1 – 105 High
Computing an Intelliscore Plus Credit Score
In the credit world, Intelliscore Plus is regarded one of the most dependable tools in effectively forecasting risk. Among the ways Intelliscore Plus maintains this claim to fame is by acknowledging the significant variables that show if a business is likely to pay their debts.
Though there more than 800 business and owner variables constituting an Intelliscore Plus credit score, the variables can be broken down into these essential elements:
Payment History
The bureaus call this recency however in the real world, it’s nothing more than your current payment status. This includes the number of times your accounts become delinquent, the number of accounts that are currently delinquent, and your overall trade balance.
Frequency
Similar to payment history, frequency make up the quantity of times your accounts have been sent to collections, the quantity of liens as well as judgments you may have, and any bankruptcies connecting with your business or personal accounts.
Frequency can also include information connecting to your payment patterns. Were you regularly slow or tardy with payment? Did you begin paying expenses late, yet over time, stopped doing so? These variables will certainly all be taken into consideration.
Monetary
This particular facet focuses on exactly how you use credit. As an example, just how much of your offered credit is presently in use? Do you have a high proportion of delinquent equilibrium in comparison with your credit line?
If you’re about to begin a company or are rather new to this game, the checklist above may appear a bit overwhelming. If you haven’t begun or don’t have a lengthy history of company-based purchases, exactly how will Intelliscore Plus rate you?
Intelliscore Plus handles these situations by using a “blended model” to develop your score. This implies that they take your consumer credit score right into consideration when determining your company’s credit score.
Find out why so many companies are using our proven methods to improve their business credit scores.
3. Free Credit Score for Business: Equifax Business Credit Scores
The Equifax Credit Risk Score originates from a model which they use to place specific risks. Equifax uses these details in its calculations, consisting of the depth of the credit details Experian can obtain the length of your company’s credit history, as well as your firm’s payment delinquency history. http://www.equifax.com/business/equifax-risk-score
http://www.equifax.com/assets/USCIS/efx-00178_efx_risk_score.pdf
http://www.equifax.com/assets/USCIS/efx-00164-9-13_efx_bni.pdf
Equifax then sectors some five separate scorecards together, by using statistical analysis. In order to enhance their precision, Equifax suggests combining their Credit Risk Score with their exclusive Equifax Bankruptcy Navigator Index.
The Bankruptcy Navigator Index helps forecast the likelihood of your business declaring bankruptcy in the next 24 months. Equifax bases its predictive model on over 270 million different accounts.
Equifax shows three separate company determinations on its business credit reports. These are the Equifax Payment Index, your business’s Credit Risk Score, and its Business Failure Score.
Equifax Payment Index
Comparable to the PAYDEX rating, Equifax’s Payment Index, which has its measurement on a scale of 100, shows how many of your firm’s payments were made punctually. These include both data from credit providers and suppliers.
However it’s not indicated to forecast future habits. That is what the other two scores are for.
Equifax Credit Risk Score
Equifax’s Credit Risk Score analyzes just how likely it is your business will become severely overdue on payments. Scores vary from 101 to 992, and they examine:
- Available credit limit on revolving credit accounts, e. g. credit cards
- Your business’s size
- Proof of any kind of non-financial transactions (e. g. vendor invoices) which are delinquent or were on charge off for two or more payment cycles
- Length of time since the opening of the earliest financial account
Find out why so many companies are using our proven methods to improve their business credit scores.
Equifax Business Failure Score
Finally, Equifax’s Business Failure Score looks at the risk of your company closing. It ranges from 1,000 to 1,600, assessing these aspects:
- Total balance to total current credit limit average utilization in the previous three months
- How much time since the opening of the oldest financial account
- Your business’s worst payment status on all trades in the previous 24 months
- Documentation of any non-financial transactions (e. g. supplier invoices) which are past due or have gotten on fee off for two or more billing cycles.
Equifax Scoring Analysis
For the credit risk as well as business failure scores, a rating of 0 means bankruptcy.
An amazing Equifax score for your firm is as follows:
- Payment Index 0 – 10
- Credit Score 892 – 992
- Business Failure Score 1400 – 1600
4. Free Credit Score for Business: FICO Business Credit Scores
FICO uses its SBSS (Small Business Scoring Service) Score to integrate consumer bureau, economic, application, and business bureau data. FICO then validates their SBSS models for transactions such as Line of Credit transactions, Term Loans, and Commercial Card obligations which go up to $1 million. Their idea is to examine how your company pays back all kinds of loans. http://www.fico.com/en/node/8140?file=6045
Business credit providers make use of the FICO SBSS score as a tool to determine whether they should authorize a loan to your business at all.
The SBA uses this score too, to authorize or approve company loans. It has a basis in your company and consumer credit history as well as not simply your business’s financial health.
The score factors in the evaluation of the risks inherent in your company’s credit applications. With SBSS, lenders make their determinations in a matter of hours, instead of days. Lenders are more confident in their lending judgments, and your company gets quicker decisions on your loan applications.
The SBA’s Participation
The FICO Small Business Score or SBSS score is the main figure that the SBA thinks about while figuring out to approve a loan, especially when it involves the SBA’s 7(a) loans.
Computing a FICO SBSS Score
The FICO SBSS Score shows the likelihood or probability of you, the candidate, covering your month-to-month bills in a timely manner. The score runs from 0 to 300. A higher score means lower risks and commonly generates more favorable credit terms. The score originates from your company as well as personal history of credit use together with your company’s financial data. Variables also include your company’s age, and its years or complete time in business.
Since 2014, all SBA 7(a) loans must go through a business credit score pre-screen, as well as for SBA loans, you could perhaps not get an approval if you had a score less than 140. However the cutoff was typically set to 160, and frequently, a score below 160 meant a rejection. A lot of lending institutions will only accept scores over 160 or 180, to lend as much as $1 million. But a rating lower than 160 or 180 can still qualify you for a smaller loan.
The formula for the FICO SBSS Score is as follows:
- The last year of PAYDEX scores from Dun & Bradstreet
- Amounts and types of any judgements against your firm
- The amounts and kinds of any liens against your company’s real or personal property.
- Your firm’s available resources
- Your company’s profit
- Plus other, less distinct monetary information
If you have no document of company credit and had a modest or short time in your business, then the possible greatest FICO SBSS score you can possibly anticipate is 140.
Usage and Sorts of SBSS Model Lenders
A FICO SBSS rating includes the choice to opt for certain models which are market-specific for enhanced and better decision making. As an example, one model is an agricultural leasing and lending model. Another model was made especially for Canada. Additionally, the insights of the SBSS score provide support for the SBRI (Small Business Risk Insight, from Dun & Bradstreet) and the SBFE (Small Business Financial Exchange) information repositories.
Validating the SBSS models is necessary for credit lines, commercial cards, as well as term loans of as much as one million dollars. If you are asking for one million dollars or less from bank financing, then there are chances that your SBSS score will be under review.
The Kind of Information in the Score
The SBSS provides the credit issuers of businesses different information blends to make sure that they can analyze your company’s credit risks. For instance, a specific issuer of credit can choose only to assess a concept proprietor’s application data, or the credit issuer can choose to consist of one or multiple business bureaus’ information.
Or the credit issuer can only decide to prioritize one element over another. This intelligent rating originates from various business bureaus on an automated basis, in any type of order or whatever priority the issuer of the credit chooses. As a result, if the loan provider chooses the score of Dun & Bradstreet’s PAYDEX as its default, the SBSS will pull that set of data.
SBSS Credit Offer Index: Just How It Works and Why It Is Important
The Credit Index is an aspect of the FICO SBSS Credit Score for your small business, made to aid credit issuers understand your capacity. It works as the standards against all businesses with comparable profiles.
The SBSS Credit Offer Index includes economic application details, business bureau documents, and credit bureau information for consumer. It provides a percentile ranking of the present against other smaller companies with identical or similar features and total requested money from all those businesses.
The Updated SBSS
Reporting agencies like Experian power the newer FICO SBSS Score model. The SBFE data might be used to prepare for charge-offs, bankruptcy, or three plus cycles overdue or misbehavior over a duration of two years.
5. Free Credit Score for Business: SBA Credit Scoring
The SBA’s tool has a basis in FICO. Their idea is to speed up their credit decisions for loan approvals. The tool uses several information sources and over one hundred combinations of company and consumer analytical models. They use a designated cutoff. https://www.sba.gov/offices/district/mo/st-louis/resources/small-business-loan-credit-scoring
Their general stats on their over $60 billion profile show that companies with ratings at, or above the assigned cut-off will have excellent payment history. So in a way, this isn’t a free credit score for business – it’s more of a score derived from other scores.
Just How Do You Enhance Your Business Credit Scores?
The big question has arrived, and while there is no golden solution, these concepts can definitely assist you increase your rating.
Make Your Payments on Schedule
Your payment patterns and history are a driving force in your overall credit score. Over time, paying your bills promptly will help establish your company as one that pays their financial obligations. This will inevitably help push your rating up as well as show other firms you are a low risk.
Keep Your Debt-to-Income Ratio in Check
The more debt you have on your plate, the more invoices you have, and the less disposable income you have. If your total debt approaches or exceeds your income level, then you’re more than likely to be seen as high-risk.
Keep your financial obligations in check and consistently pay them off to keep a healthy balance between what you make and what you owe.
Use Your Credit
Keeping your financial obligations low remains sound advice. Still, opening and sensibly benefiting from business credit accounts can help you broaden your available credit and improve your credit score.
Maintain a Healthy Personal Credit Profile
By now, you know that your own personal credit is fair game when it involves your Intelliscore Plus rating. Running a company is difficult work, however don’t let your personal finances suffer. Make certain that you remain on top of your individual monthly bills, stay clear of unnecessary credit inquiries, and refrain from compromising your personal credit for business needs.
Check Your Credit Reports
Regardless of what your credit score is, it is critical that you continue to be attentive and evaluate your personal and business credit reports. This can help you locate possible problems and stay educated by yourself credit profile.
Free Credit Score for Business: Takeaways
When you recognize where to check your free credit score for business, you have a much better chance of getting on top of it, and staying there.
The post 5 Amazing Ways You Can Get a Free Credit Score for Business appeared first on Credit Suite.
Get Business Credit Card Offers
Get the Best Business Credit Card Offers
We took a look at a bunch of company credit cards, and did the research for you. So here are our top picks for business credit card offers.
Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer credit cards!
This shows you can get a lot more cash with small business credit. And it also shows you can have personal credit cards at retail stores. So you would now have an added card at the same stores for your business.
And you will not need collateral, cash flow, or financials in order to get business credit.
Business Credit Card Offers and Advantages
Perks can differ. So, make certain to pick the perk you would prefer from this choice of options.
Business Credit Card Offers with 0% APR – Pay 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 it comes with a 0% introductory APR on purchases for the first nine months. Thereafter, the card has a 13.24 – 23.24% variable APR
Earn 3 points/dollar spent when you book travel via the Bank of America Travel Center. And get 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 likewise get trip cancellation coverage, trip delay reimbursement and other advantages.
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
Take a look at the JetBlue Plus Card for yet another offer of a 0% introductory APR
Get 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, and get 40,000 bonus points. New cardholders receive a 12 month, 0% initial APR on balance transfers made in 45 days of account opening.
Thereafter, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based on 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
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 get 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 within the app.
By spending at least $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending a minimum of $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, know what happens? You are insured up to $600 for cellphone damage or theft.
Cardholders are eligible for exclusive access to specific events and offers. Uber anticipates most of these offers to be available in major cities. This is 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, accrue at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, in a given 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 someway. Why not do so with the Costco Anywhere Visa® Business Card by Citi?
This credit card earns cash back with every purchase. Earn 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, earn 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.
Keep in mind: 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
Look at the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the initial three months from account opening. And you’ll earn a $500 bonus cash back.
There is a $0 annual 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 card features 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 credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is greater. 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 get 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.
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 choice 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 get four points per dollar at US restaurants, US gas 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, earn two points per dollar.
Details
Get 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 most significant issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 afterwards. 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
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 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/
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. 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 the 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/
The Business Platinum® Card from American Express OPEN
Check out the Business Platinum® Card from American Express OPEN if you’re comfortable with an exorbitant annual fee. This card earns 5 points per dollar on flights and prepaid hotels booked on the American Express Travel website.
It also gets 2 points per dollar on travel purchases booked on the American Express Travel website.
Furthermore, it earns 1.5 points per dollar on purchases of $5,000 or more. So, this is with up to one million additional points per calendar year. All other eligible purchases get one point per dollar.
Details
With this card’s welcome offer, you can get 50,000 bonus points when you spend $10,000. And get another 25,000 points when you spend an additional $10,000 in that same period.
Cardholder benefits include global lounge access and a $200 airline fee credit. And you get a fee credit for Global Entry or TSA Precheck.
Benefits also include complimentary Wi-Fi hotspot internet access, privileges including early check-in and daily breakfast at participating hotels and resorts. Plus, the card offers travel accident insurance and roadside assistance.
This card does not offer bonus point earnings in other categories such as gas, office supplies or advertising. Additionally, all of these benefits do not come cheap. Note: the card has a yearly fee of $450!
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Chase Sapphire Reserve®
For travel points, check out the Chase Sapphire Reserve® card. You can get 3 points/dollar on travel and dining at restaurants and 1 point/dollar on other purchases.
Spend $4,000 in the initial 3 months, and you will get 50,000 bonus points. This card offers a $300 annual travel credit. And you get airport lounge access, perks at luxury hotels and resorts including upgrades.
It also provides a fee credit for Global Entry or TSA Precheck, early check-in and late checkout. And it provides trip cancellation and interruption insurance, an auto rental collision damage waiver.
Details
Plus lost luggage reimbursement, trip delay reimbursement, and purchase protection. Finally, it also has return protection and extended warranty protection.
This card also offers cardholders a 25% higher points value when redeemed for travel through Chase Ultimate Rewards. With this card, points are worth 50% more when redeemed for travel through Chase Ultimate Rewards.
The most significant issues are the yearly fee of $450 and $75 per authorized user. Another point to consider should be that the card has a 17.99 – 24.99% variable APR.
So, think about this one carefully and be sure to read the small print.
Get it here: https://www.chase.com/card-benefits/sapphirereserve/travel
IHG ® Rewards Club Premier Credit Card
Have a look at the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For each dollar spent at participating IHG hotels, earn 10 points. Get two points per dollar spent at gas stations, grocery stores and restaurants.
Plus all other purchases earn one point. New cardholders can earn an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.
Details
This card offers a free one-night hotel stay per year. 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 most significant 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 yearly 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 earn two free night awards (each worth up to 35,000 points).
Cardholders get access to perks including a free one-night stay annually 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. Plus there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.
Spend $35,000 each account year, and be upgraded to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.
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
Business Credit Card Offers: Reliable Low APR/Balance Transfers Business Credit Cards
Discover it® Cash Back
Check out 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 get 5% cash back at different places every 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 get 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
Business Credit Card Offers for Credit Building – Make Your Credit Surge!
Discover it® Student Cash Back
Make sure to check out the Discover it® Student Cash Back card. It has no yearly fee. The 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 special feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit annually for up to five years.
Details
Use this card to build personal credit. While this is a personal credit card versus a business credit card, for new credit users, their FICO scores will be vital. 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 credit card offers unlimited 1% cash back on all purchases.
In the initial 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 more. 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
Business Credit Card Offers: Terrific Cards for Cash Back
SimplyCash Plus Business Credit Card from American Express
Look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual 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 runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.
Details
This credit 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, earn 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 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 credit 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
Take a 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 which cardholders can earn. Also, the card has a $0 yearly 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 on offer for those who make at the very least $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/
Business Credit Card Offers: Ironclad Secured Credit Cards
Wells Fargo Business Secured Credit Card
Have a 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 set up or rebuild their credit.
Choose this card if you want to earn 1.5% per dollar in purchases with no limits or earn one point for every dollar in purchases. You also earn 1,000 bonus points. So this is 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 card for balance transfers.
Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/
Business Credit Card Offers: Unbeatable Cards for Jackpot Rewards
Chase Sapphire Preferred® Card
Take a look at the Chase Sapphire Preferred® Card for travel points.
You can earn two points per 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 earn an unlimited two points per dollar for travel and dining at restaurants. And then get 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
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 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
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Hilton Honors American Express Ascend Card
Have a look at the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Earn up to 12 points per dollar of eligible purchases at participating Hilton hotels or resorts.
Automatically get Hilton Honors Gold status. And this includes room upgrades when available. Plus a 5th night free when you book a rewards stay of 5 nights or more.
And get free internet access and late checkout. It also includes a 25% bonus on base points earned with Hilton Honors.
This credit card has a variable purchase APR of 17.74 – 26.74%. There is an annual fee of $95.
Details
Cardholders can earn a 125,000-point welcome offer after making $2,000 in eligible purchases in 3 months from account opening. Get a free weekend night award after making $15,000 in eligible purchases on your card in a calendar year.
Benefits include purchase protection. And there is extended warranty coverage. They also include car rental loss and damage insurance and travel accident insurance.
Spend $40,000 on eligible purchases with the card within a calendar year. Then you can earn Hilton Honors Diamond status. So that’s through the end of the next calendar year. This status includes all of the benefits of Gold status.
It also includes a 50% bonus on base points earned with Hilton Honors. And get exclusive floor lounge access at select properties. But that is awfully high spending required for elite status. Only you can decide if that’s worth it.
Get it here: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-ascend/
The Perfect Business Credit Card Offers for You
Your outright best business credit card offers are going to 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 catastrophic for somebody else.
And, as always, make sure to develop credit in the recommended order for the best, quickest benefits.
The post Get Business Credit Card Offers appeared first on Credit Suite.
New comment by covariantai in "Ask HN: Who is hiring? (September 2019)"
Covariant (http://covariant.ai/) | Software Engineer, Site Reliability Engineer | Berkeley, CA (San Francisco Bay Area) | full-time | onsite | visa
At covariant.ai, innovation is at the core of our company. Drawing on recent advances in Deep Imitation Learning and Deep Reinforcement Learning, covariant.ai is developing AI software that makes it easy for robots to learn new, complex skills — bringing the next generation of robotic automation to the world’s factories, warehouses and, one day, even homes.
Covariant employees come from varying technical backgrounds and interests, and together we’re building a team that is friendly, helpful, and down-to-earth. We value continuous learning (both human and robotic), empathy for each other and our customers, and taking on the impossible. And, while our industry struggles to be representative, we are actively committed to building a diverse and inclusive culture at covariant.
We’re always hiring for a variety of roles, but our current priorities are:
– Backend Software Engineer (all levels): http://bit.ly/2jZV6Hg
– Site Reliability/Infrastructure Engineer: http://bit.ly/2kzgHGK
Experience in AI/ML/robotics is not required!
If none of the roles above are perfect for you, check our other postings at http://covariant.ai/jobs.html or email me directly at dayna[at]covariant[dot]ai!
New comment by bmcmahen in "Ask HN: Who is hiring? (September 2019)"
Frame.io | Front-end Developer | NYC or (possibly) REMOTE.
Frame.io helps solve video collaboration and we are looking for front-end developers to help build out our web app. Come join if you care about crafting beautiful experiences on the web, and want to work with great tech like React and Styled-Components.
Details here: https://grnh.se/1d28396f2
Rabbet (YC S17) is hiring full-stack engineers in Austin
Article URL: https://rabbet.com/career/ Comments URL: https://news.ycombinator.com/item?id=20954010 Points: 1 # Comments: 0