Best pick of the NFL draft? Class with the biggest 2022 impact? Early picks for Rookie of the Year? Our experts weigh in on the biggest remaining questions.
The post Our experts answer big NFL draft questions: Who could win Offensive and Defensive Rookie of the Year? appeared first on Buy It At A Bargain – Deals And Reviews.
Want a slice of organic traffic pie without waiting two years for a piece of content to rank? You need to answer users’ queries.
Eight percent of Google searches are questions.
It doesn’t sound like much, right?
Let’s break down the numbers.
Google processes 3.5 billion searches per day, which means 28,0000,000 searches are questions. That’s a lot of searches.
Twenty-nine percent of keywords featuring a question word like “why” or “can” triggers the featured snippet.
What’s the featured snippet? It’s an SEO gold mine that can help you skip from position #10 to position #0 if you give the best answer for a user query.
Combine it with lucrative keywords, and it can be a winning recipe to grow site traffic and drive conversions.
Here’s how to shift your keyword strategy to answer users’ queries, position your brand as the go-to expert, and find phrases with high purchase intent.
Have you ever heard of “semantic search?”
It’s what Google uses to understand the context of searches.
The data searching technique aims to understand the meaning of words in context and determine user intent before presenting search results.
This helps Google deliver more relevant results and show the correct answer in a featured snippet.
Now that we understand how Google understands people’s questions, we need to look at how people use search engines.
With the rise of voice search, users are shifting away from short words or phrases. Search queries are taking conversation form, which we call “long-tail keywords.”
For example, if you want to know how to change the light bulb in your fridge, you wouldn’t search “lightbulb,” you’d more likely search “how to change a light bulb in a samsung french door fridge.”
This change in search is causing Google to change how it displays answers, and it’s creating new, valuable SEO real estate opportunities.
What’s better than position #1 on Google?
Position #0.
The featured snippet (also called the Answer Box) is a brief answer to a search query. It is extracted from the top results and sits at the top of SERP.
It looks like this:
What makes the featured snippet such a lucrative piece of SEO real estate?
Say your web page ranks at #8 on the first page. Trudging your way to position #2 or #1 is a slow game when the average #1 result is three years old.
However, if there’s a featured snippet, you can bypass the competition and jump to position #0 by effectively answering users’ queries.
This means you can:
Just how much traffic? Hubspot research found content with a featured snippet have dramatically higher click-through rates.
By providing the best answer to users’ queries, you position yourself as the go-to expert. Users trust in your brand, and are more likely to convert.
When Google sees visitors are happy with your site, it sends good engagement signals, which helps your content move up the search result ranks.
Before we take a deep dive into how to use lucrative keywords to answer users’ queries, let’s take a few steps back and cover the basics.
Keywords are words and phrases people type into Google and other search engines to find information.
The best type of keywords are words and phrases your audience is using. You want to create content around their search queries to get the right people to your website and into your sales funnel.
What are lucrative keywords?
Lucrative keywords are long-tail keywords with a high ROI. There is high search volume, low difficulty, and high intent to make a purchasing decision.
By focusing your SEO strategy around question-based lucrative keywords, you attract hot leads that are ready to convert.
Now that you understand how Google finds answers to questions and the SEO benefits, the next step is optimizing your content for the answer box.
Here’s how to find lucrative keywords, uncover search queries your audience is typing into Google, and format your pages to snag position #0.
The secret sauce to my digital marketing agency’s success? Becoming an expert at finding long-tail keywords with high intent.
It’s a topic I’m so passionate about I created my own keyword research tool called Ubersuggest.
Below, I’ll break down how to use Ubersuggest to uncover keywords that are:
Step 1: Go to Ubersuggest and type in a general term related to your niche, e.g., “digital marketing.”
Step 2: Scroll down and click on “View All Keyword Ideas” and click on the “Filter” button.
Step 3: Enter a minimum cost-per-click (CPC) of $1. Set the SEO difficulty to a max of 40.
Ubersuggest provides a list of keywords you can sort and export so you can find the best ones for your business.
There is also a “Question” tab where you can see question-based keyword ideas.
Lucrative keywords should have the following characteristics:
Don’t rely just on a keyword research tool like Ubersuggest to help you find question-based questions.
There are several other tools and websites to gain more information on the type of queries your audience is asking.
Answer The Public is a free tool for uncovering question-based queries for keywords.
Here’s how to use it:
Answer The Public will then give you a list of questions broken down into different categories like:
Download the data to a CSV file and note the user queries you’d like to answer.
Other websites for finding questions your audience is asking include:
Once you have your questions related to your lucrative keywords, start creating a content plan.
When you have a list of question-based keywords, start using the phrases as headers.
For example:
If the question is, “What are Deepfakes” use it as an H2 tag near the beginning of the post.
Underneath the H2 header, answer the user query within the first paragraph. Get straight to the point. This helps Google understand your content and tag it as a snippet for the Answer Box.
Remember, Google will only use one short paragraph or a bulleted list to answer the query.
One of the easiest ways to optimize your website pages to answer users’ queries is by creating a frequently asked questions (FAQ) section.
Use the FAQ Schema (a piece of code to show Google what questions are being asked and pointing to the answer), to capitalize on sought-after organic search real estate.
This is how Google explains the schema:
By using FAQPage structured data, you can make your content eligible to display these questions and answers to display directly on Google Search.
When it comes to creating your FAQ, you have two options:
Adding links to other pages within your answers adds to the FAQ power. Once someone clicks, you can lead them further down your sales funnel with more detailed content and increase your chances of converting a searcher into a paid customer.
Creating a FAQ page or section will help Google scan your content better and improve your chances of ranking for position #0.
There are four types of feature snippets you want to optimize your content for: paragraphs, lists, tables, and videos.
When creating your content, write with both user queries and Google in mind, and then optimize the formatting.
According to SEMrush, top answers to queries use the following formatting:
As you incorporate lucrative question-based keywords into your content, keep your answers close to these numbers to increase your chances of landing a featured snippet.
Worried about dating your content because you’ll appear irrelevant in search results?
Not adding a date could stop you from landing spot #0 with Google.
Besides, updating your old content can boost your search engine traffic. Create an editorial plan to go through older posts, remove outdated information, and update facts.
Not only will it build trust with readers, but Google will reward you.
Even if you don’t have anything new to add to a page, you’ll want to make sure there is a publication date.
According to a featured snippet study from SEMrush, older content with a date won the snippet feature if it had the best answer. Seventy percent of the featured snippets analyzed were from 2018, 2019, and 2020.
Spring cleaning your content and optimizing it for question-based queries may earn you a featured snippet and boost your page views without having to create a new blog post or page.
As you create content to answer users’ queries, there are some questions you want to avoid.
There are searches where Google returns a direct answer from the Knowledge Graph. These answers do not have a website link, and there is no SEO or monetary value to targeting these question keywords.
For example, the search query “How tall is Mount Everest” returns a direct answer of 5895m.
Ranking for this answer won’t drive traffic or clicks, so there’s no point in spending resources to snag this spot.
Optimizing your content to answer users’ queries is the core of an effective SEO strategy. It helps you zero in on the problems your audience faces and position your business as an expert.
In addition to helping your audience, lucrative question keywords can help grow your business. Not only can you skip a few positions in search and go straight to #0, but you’re more likely to earn clicks from users with high purchasing intent.
How are you going to implement question-based keywords into your content?
SEO has been changing drastically over the years.
In 2010, Google made 516 algorithm changes. That number increased to 1,653 in 2016 and to 3,234 in 2018. We don’t have data for the last couple of years, but still, you can bet that the number is continually going up.
With over 9 algorithm changes a day, it’s safe to say that it is no longer easy to manipulate or game Google.
So, is SEO dead?
Well, let’s look at the data and from there I’ll show you
what you should do.
Do you know how many searches take place on Google each day?
Roughly
5.6 billion searches per day.
That’s roughly 2 trillion searches each year.
Although that’s a lot of searches, there is also a lot of
content being created.
There are roughly a billion blogs on the web.
There are so many blogs that you can find an excessive amount of content on most topics out there.
For example, if you look at the long-tail phrase, “what is digital marketing”, there are only 11,300 global searches a month but a whopping 665,000 pieces of content trying to answer that question.
In other words, the supply is much greater than the demand.
You’ll see even more of this for head terms. Just look at
the phrase “banana”:
640,300 global searches seem like a high number but there are 880,000,000 million results. Sure, some of those results may not be on the food, banana, but still, that’s a lot of content compared to the search volume.
You can still find search phrases where there is more search volume than content but the trend is continually increasing in which content production is exceeding search demand.
On top of that, Google is turning into an answer engine in which they are answering people’s questions without them having to go to a website.
According to Dejan SEO,
they saw CTRs drastically decrease once Google started answering questions.
Just look at this weather search query:
Their clicks from weather-related queries went from 46% all the way down to 7%.
This trend has become so common that the percentage of traffic that Google drives to organic listings (SEO results) has been decreasing over time.
So, does this mean SEO is dead?
It’s actually the opposite.
With all of the data, how can that be the case?
First off, all marketing channels become statured over time. It’s just a question of when.
You can say the same thing about Facebook, Instagram,
Twitter, and even email marketing.
Heck, just look at the image below. It was the first banner ad on the Internet.
Can you guess what company created that banner ad? It was
ATT.
Of the people who saw it, 44% of them clicked on it. Now banner ads generate an average click-through rate of 0.5%.
That’s an enormous drop.
And, as I mentioned above, it’s with all channels. Just look at Instagram engagement rates:
It doesn’t matter if it is a sponsored post or an organic post, the trend on Instagram is that engagement is going down.
That’s why you are seeing people like Gary Vaynerchuk and Grant Cardone promoting their phone numbers all over Instagram.
That way they can communicate with their fans directly
without having to deal with algorithms or platforms decreasing their engagement.
But even with those decreasing numbers, you are seeing sponsored posts on Instagram surging by 150%.
In other words, people are still spending money because they
are seeing an ROI or generating enough value in their eyes.
And the same is happening with digital
ad spending.
The numbers are on the rise because companies are generating
an ROI.
As I explained above, just because the metrics aren’t going in your favor doesn’t mean that a channel is dead.
Just look at my search traffic on NeilPatel.com.
Not only do I have to deal with Google’s algorithm like you, but my competition includes other marketers who know what I know… yet I am still able to grow my search traffic even with Google’s decreasing CTRs.
When you look at search as a whole (and I am not only talking about on Bing and Google as people also search on other sites and platforms as well) Google still dominates market share with a whopping 94%.
People still use Google and prefer them as their method of search. But what’s changed is how Google is being used.
It used to be where you would use platforms like Instagram
for discovery and Google for commerce (purchasing).
The trend has switched over the years in which Instagram is
being heavily used for commerce and Google is mainly used as a discovery engine.
Just look at this case study by Olay.
Olay sells products related to skincare. One of their products happens to reduce darkness under your eyes.
So, they used to push heavily on ads that sold their
products directly.
But the moment they changed their ads to focus on education by teaching people how to reduce dark circles under their eyes instead of forcing people to buy their products, their ROI went through the roof.
By sending people to educational-based content first (and then selling through the content), they were able to increase click-throughs by 87%, decrease their cost per click by 30%, and increase conversions by 100%.
This is a prime example of how more people are using Google as a discovery engine first instead of a commerce engine.
Now that you know that Google is shifting to a discovery
engine (for both paid and organic listings), there are a few other things you
need to know if you want to dominate the organic listings.
Their algorithm core focus isn’t backlinks or keyword density, or a specific SEO metric… the focus is on the user experience.
If a site has millions of backlinks but users hate it, the site won’t rank well in the long run.
Look at this case study of the “best grilled steaks.”
Rand Fishkin had all of his social followers do the
following:
Within 70 minutes, the listing jumped to the top spot.
This is what I mean by user signals. You, the end-user, control how Google adjusts rankings.
Google knows you spend hours a day on your mobile device and hours on other sites and applications that aren’t controlled or owned by Google.
So, when they are figuring out what to rank and where to
rank it, they aren’t just looking at their own dataset.
They crawl things like social media and use social signals
to help them better improve their results.
For example, here is a case study on how Google is using social media for search discovery.
Even if you hate the social web, you need to use it more. Not only can it help with your site’s indexing but it can also help with brand building, which indirectly will help boost your rankings as well.
Here are some articles to follow to help boost your social
media presence:
If you don’t believe me, just look at these quotes from Google’s ex-CEO and ex-head of webspam.
They both believe
in brands.
As your brand grows, you’ll find that your rankings will climb as well.
You saw my search traffic stats earlier in the post, but
here’s a breakdown of how many people found my site by searching for my name in
the last 7 days.
And that number doesn’t even include the misspellings. You would be shocked at how many people spell my name as “niel” instead of “neil.”
Google loves brands. Heck, when you type in “men’s running shoes,” they even have Nike, Adidas, and Asics there.
Branded search volume is more correlated with rankings than links or domain authority.
If you want to build a brand, focus on the social media
articles I linked to above and follow the brand building articles below:
If you are still struggling to build a brand, talk to one of my team members about our Digital PR.
Do you remember the old-school site About.com?
Over time, About.com tanked in terms of their Google rankings and the business was dying. There were a few reasons why:
They decided to rebrand as Dotdash and start niching down. So they took the content on About.com and split it into six specific vertical sites.
When doing this they found that a lot of the content didn’t fit into those 6 verticals or wasn’t up to their new quality standard. This caused them them delete roughly 900,000 articles.
From the data, you can see that they got much more traffic by splitting up their content into niched-down sites.
It was so successful that they took one of their new vertical sites and broke it down further into three niche sites. Here were the results:
This helped them grow their revenue by 140%.
If you want to do well in today’s world of SEO, focus on one niche. Google prefers topic-specific sites because that’s what you and everyone else loves.
Just think of it this way… would you rather read medical advice from About.com or WebMD?
WebMD of course.
Have you noticed that when you search on Google the results you see are different than the results of your friends?
It’s because Google is trying to personalize the results to
you.
Not just on Google search but anywhere you use a Google device… from a smartphone to Google Home to even their autonomous cars.
With all of the data they are gathering, they are better
suited to understand your preferences and then modify the results to that.
Just think of it this way: Every time you visit a place and you are carrying your mobile phone (especially if it is an Android device), Google may be able to potentially use that information to tailor results to you.
With your website, don’t try and show everyone the same message. If you personalize your experience to each and every user, you will be able to rank better in the long run as it will improve your user metrics.
A good example of this is on my blog.
Right when you land there, I let you pick the type of content you want to see and then the page adapts to your interest.
It’s actually the most clicked area on the blog, believe it
or not.
SEO is not dead, it’s just changing.
Sure, click-through rates are going down and Google keeps adjusting its algorithm but that’s to be expected.
Google has made it so you can easily target your ideal customer through SEO or paid ads.
It used to be much more difficult before they came along. That’s why they are able to generate over 100 billion dollars a year in advertising revenue.
Don’t worry about things that aren’t in your control. Instead, start adapting or your traffic and business will be dead.
What do you think about the changing SEO landscape?
The post Is SEO Dead? (A Data-Driven Answer) appeared first on Neil Patel.
Financial Debt Or Credit Consolidation Could Be The Answer
Customer financial obligation combination solutions give borrowers with therapy on monetary as well as financial debt monitoring as well as credit report education and learning. If you have actually been taking into consideration insolvency to resolve your exceptional financial obligation finances, you might desire to take into consideration financial obligation decrease loan consolidation solutions rather. Establish the objective of removing your unsafe financial obligation and also look right into customer credit history therapy as well as comparable solutions, consisting of financial obligation loan consolidation solutions.
Financial debt combination firms are established up with the objective in mind of decreasing your financial obligation, overall regular monthly repayments as well as rate of interest price. The loan consolidation firms will certainly examine your existing financial debt as well as economic scenario as well as create a suitable strategy. You might likewise be called for to authorize a declaration or letter validating your recognition, your complete financial obligation quantity, the names of your financial institutions and also your intent to reward the financial debt sustained.
Financial debt combination firms as well as customer therapy solutions attempt to aid you with your economic scenario, as well as are not just thinking about earning money. They will certainly likewise assist fix your credit history with numerous debt fixing solutions, consisting of the removal of the unfavorable ratings on your credit scores record because of late credit rating repayments. This can maintain your credit history value by dealing with the financial institutions to reveal you as a bill-paying customer.
All you need to do is get in touch with a financial debt combination firm or customer therapy company to boost your economic scenario as well as monetary future, resolve financial debt as well as fix your credit scores.
Customer financial debt loan consolidation solutions offer borrowers with therapy on economic as well as financial obligation administration as well as debt education and learning. If you have actually been thinking about personal bankruptcy to resolve your exceptional financial obligation car loans, you might desire to take into consideration financial obligation decrease loan consolidation solutions rather. Establish the objective of removing your unsafe financial obligation as well as look right into customer credit score therapy as well as comparable solutions, consisting of financial debt combination solutions. Financial obligation debt consolidation companies are established up with the objective in mind of minimizing your financial obligation, overall month-to-month repayments and also rate of interest price.
The post Financial Debt Or Credit Consolidation Could Be The Answer appeared first on ROI Credit Builders.
When choosing a credit card, whether personal or business, there are several factors to compare. Interest rate is probably the one most consumers consider first, followed closely by credit limit, and then rewards. Throw an annual fee in the mix, and you have even more to ponder. Back to the rewards thing though. Who doesn’t love a good reward? Cash back, points, airline miles galore, these are often the things that make the choice between one card or the other most interesting. When it comes to rewards however, one thing most do not consider is that they may have to pay a tax on business credit card rewards.
Whether or not you pay tax on credit card rewards on your business credit cards will depend. Depends on what you ask? It depends on whether you had to spend money to get those rewards. For example, if you earn cash back, that would be a discount rather than income. It is therefore not taxable. The same is true if you earn points or travel miles as a percentage of the money you spend. If you earn $1 cash back for every $5 spent, that is considered a $1 discount, not $1 of income, and therefore not taxable.
If, however, all you had to do was open the account to earn the reward, and you did not have to spend anything to get it, then you may have to report it as income. This is the case with the bonuses that many credit card companies are fond of offering for opening an account with them. They may come in the form of cash, points, or miles. It doesn’t matter what form they take. If you didn’t have to do anything to get them, they are likely going to be taxable.
If your credit card information specifically states the funds are taxable, or if you receive a form 1099 from your credit card company, you can be sure there will be a tax impact. However, the absence of these two things does not set you free. A company only needs to to send a form 1099 if the amount is $600 or greater. Amounts under $600 are still taxable, but companies only have to send a form 1099 if the amount is over $600.
Check out our professional research and score the best business credit cards for your business.
In 2012, some Citibank card holders received frequent flyer miles as a gift for opening their accounts. At tax time, a 1099-Misc came in the mail. It indicated the miles had been reported to the IRS as income with a value of 2.5 cents per mile. As you can imagine, this was an unwelcome shock to most. Since they did not have to spend anything to receive the miles, the reward was taxable income.
When it comes to tax on rewards from business credit cards, there are some special considerations that can affect the tax impact of the rewards.
If you are using business credit card rewards to reduce the cost of business purchases, that affects the amount of a business expense that is tax deductible.
For example, if you purchase a new printer for your business for $300, and you offset the cost with rewards equal to $100, you can only deduct $200 as a business expense. In this way, business credit card rewards can still increase your taxable income, though they are not technically taxable as income directly.
If you happen to use rewards earned on business credit cards for personal expenses, rather than business expenses, you will not have to worry about them reducing business expense and thus indirectly affecting your tax liability. The question has come up about whether rewards earned on business cards and used for personal purposes should be personal taxable income. The IRS has said no. They will not consider this to be taxable income. As a result, there is zero impact on your taxes from these rewards.
If you receive a $500 bonus for opening an account, that is taxable income because no spending took place to get those funds. If, however, you have the option to donate that amount to a charity, you do not have to report that $500 as income. And it is also tax deductible as a charitable contribution. It’s a win/win.
What’s the takeaway? To best use your business credit card rewards with minimum tax impact, do the following:
There are a ton of options when it comes to choosing a business credit card, and which one is the best for your business will depend on many factors. The first, as mentioned earlier, should probably be interest rate. You want the interest rate to be as low as possible.
Next, consider the credit limit. Does it give you access to enough funds to handle what you need it to? If you are going to consistently have balances at or near your credit limit, that’s no good. It will lower your debt-to-credit ratio, which directly impacts your credit score in a negative manner.
The next thing to look at is rewards. You need to find the card with the rewards that will be the most useful to you. A great travel rewards program is only great if you travel a lot. Triple points earned at gas stations and restaurants sounds good, but it is only a good deal if you spend a lot of money at gas stations and restaurants. If most of your credit cards spending is on supplies or inventory, these rewards will not be useful to your business.
Check out our professional research and score the best business credit cards for your business.
Next, balance the cost of the rewards versus how much you will actually benefit from them. For example, you may have a card with rewards that are good for you. But if it has a high annual fee, determine if the rewards benefit actually makes up for the cost of the annual fee. Do you pay $100 fee each year? Then be sure to earn more than $100 worth of useable rewards with that card annually.
Of course, the business credit card discussion is moot if you don’t even have one. Perhaps you have tried, but you can’t get approval. Here’s the key. You need to have strong business credit to get the best business credit cards. This is credit that is separate from your personal credit, and therefore the accounts on your business credit report do not affect your personal credit score.
Business credit doesn’t just happen on its own however, and most new businesses do not realize this. In fact, many new small business owners are not aware that business credit is even a thing, and consequently they have no clue how to set up their business properly to allow them to build business credit.
Before you can worry about tax on business credit card rewards, you have to have business credit cards. Before you can get business credit cards, you need business credit. To get business credit, you have to set up your business to be a separate entity from yourself.
The first step in this process is to incorporate. It is easy for a new business owner to simply operate as a sole proprietorship or a partnership, but this ties up all your personal credit data with your business information. By incorporating, you are taking the first step in separating your business from your personal credit.
Next, apply for an EIN. You can do this for free at IRS.gov. It is a number that functions as an identifier for your business the same way your SSN is a personal identifier. You will use this number on business credit card applications instead of your SSN.
Then, you will need to get a DUNS number. This is a unique identifying number that you get from Dun & Bradstreet. Since D&B is the largest and most commonly used business credit reporting agency, this number is essential to building business credit. Get it for free on the Dun & Bradstreet website, but don’t let them fool you. They will try to sell you a bunch of stuff you don’t need. You really only need the number, and it is free.
What else does your business need to appear as a fundable entity separate from you personally?
Now you know whether or not your credit cards rewards are taxable, how to avoid tax impact from business credit card rewards as much as possible, and how to get the best business credit cards for your business. How about a few fun facts? Here are 3 things that are taxable that you probably did not realize.
Yes, if your bitcoin is currently worth more than you paid for it, the gains are taxable just like with stocks and bonds. This also rings true of Bitcoin you get from your employer as compensation, a bonus, incentive, or even as a gift.
Speaking of gifts from employers, they are usually taxable. This includes more than cash bonuses. Did your boss give you an awesome new set of golf clubs or a weekend in his beach condo? That may be taxable too.
Check out our professional research and score the best business credit cards for your business.
This one was a total shock to me. One of my favorite small business budget hacks is to barter within my network for goods and services. It is not uncommon for small business owners to trade off for any number of things. Graphics, social media management, content writing, cleaning services, printing services, and more. The cash value of those trades can actually be taxable. Who ?
It all depends on how you got those rewards and what you do with them. Most credit card rewards are actually a discount, because they are directly related to some level of spending. These are not taxable, but they can still increase your taxable income by decreasing your business expense deduction if you choose to use them to reduce your business expenses. But if you choose to use those rewards to reduce personal expenses, they have no tax impact at all.
Bonuses for opening an account are different. They are taxable as income, even if they do not reach the $600 threshold to trigger a form 1099. This changes if you get the option to donate these funds to charity and choose to do so. Not only are they then not taxable, but they also count as a tax deduction.
The best option to avoid tax on business credit card rewards is to choose the card with the rewards that will best benefit you personally. Then you can redeem rewards for personal use. For bonuses, just donate them to charity if given the option. It looks good for your business, and it will only help you come tax time.
Always be careful to weigh the tax benefit of not using rewards for business expense against the actual benefit of the cost reduction however. You may find reduced expenses to be worth the cost come tax time.
The post Do You Owe Tax on Business Credit Card Rewards? The Answer Might Surprise You appeared first on Credit Suite.
Do you know which credit cards will help build business credit? We inspected a substantial number of company credit cards; here are our favorites.
Per the SBA, small business credit card limits are 10 – 100 times that of personal cards! This shows you can get a lot more money with small business credit.
And this also means you can have personal charge cards at shops. So you’ll now have an additional card at the same stores for your small business.
And you won’t have to put up collateral, cash flow, or financial information to get small business credit.
Benefits vary, so make certain to pick the reward you prefer from this array of choices.
Know which credit cards will help build business credit.
Check out the Wells Fargo Business Secured Credit Card. It allows cardholders to get a credit limit of $500 – $25,000. The amount available is the same as the amount of money you supply to secure the line.
Your purchase APR rate can be as low as a variable 13.15%. The annual fee is $25. The more cards you have, the more expensive your annual fee is going to be.
This card lets business owners with bad personal credit to acquire a card to make purchases and set up business credit.
But the card will only report to the personal credit agencies if you default or are overdue on payments.
Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/
Check out how our reliable process will help your business get the best business credit cards.
For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. You will need to have a credit score of 690 or higher.
NOTE: the standard APR is 23.99% variable APR.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
For a 0% APR time period, we really like the Ink Business Cash ℠ Credit Card. You pay no annual cost. It’s got an interest-free period. It has versatile cash-back rewards.
There are spending limits for employees. You will need to have a credit score of 690 or higher.
Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash
For an introductory 0% APR time period, we also like the Blue Business ℠ Plus Credit Card from American Express. It has an introductory 0% APR for 15 Months. You can earn double points on regular business expenses up to a yearly cap.
The regular APR is 12.24% – 20.24%. So this is variable.
Get it here: https://creditcard.americanexpress.com/blue/
For Low APR/Balance Transfers Business Credit Cards, we like the U.S. Bank Business Edge Platinum. You start with twelve months of 0% APR financing on new purchases and balance transfers. But there is a 3% balance transfer cost.
Thereafter, the purchase APR is a variable 10.49% – 18.49%. But this is dependent on creditworthiness. Yet there is no yearly fee. This card is just available to those with great or outstanding credit. But there is no rewards program for purchases.
Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do
Also, have a look at the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. And there is no yearly fee.
Right now companies can get double points on the initial $50,000 in purchases each year.
Get it here: https://creditcard.americanexpress.com/blue/
For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles after you make $1,000 in purchases on your new card within your very first three months. Terms and limitations apply.
In addition earn a $50 statement credit after you make a Delta purchase with your card in your first three months. Earn two miles per dollar spent on purchases made straight with Delta. Earn one mile per qualified dollar spent on purchases.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279
Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:
You also get Gold Status when you register for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.
There is a $100 credit towards the Global Entry application fee, including access to TSA PreCheck program. You get one point for every dollar spent on most purchases. Also, you get 1.5 times the points on charges of $5,000 or more on qualified purchases.
But this is up to one million more points per year. Also get five points per dollar spent buying flights and prepaid hotels from the American Express Travel site.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
Check out how our reliable process will help your business get the best business credit cards.
Also, be sure to check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points once you spend $5,000 on purchases in your first three months from account opening.
Get three points for each dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone.
And this also applies to advertising purchases made with social media sites and search engines. But this is for each account anniversary year.
Also, get one point for each dollar on all of the other purchases. There is no limitation to the amount you can earn.
Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred
Consider the SimplyCash Plus Business Credit Card from American Express. You can earn up to $400 cash back. Earn a $200 statement credit after spending $5,000.
Also, get 5% cash back at US office supply stores and on wireless phone services purchased from US service providers. But this applies to the initial $50,000 of yearly spending.
You also get 3% cash back on the spending category of your choice. So this is from eight distinct categories. They include air travel, gas, advertising and computer purchases.
But it applies to the first $50,000 of annual spending.
And also you get 1% cash back on all other purchases.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279
Also, be sure to take a look at the Bank of America Business Advantage Cash Rewards MasterCard Credit Card. With this card, you can get a $200 statement credit.
So this is after $500 in purchases during 60 days of account opening.
You also get 3% cash back on purchases at gasoline stations and office supply stores. But this is up to $250,000 per year.
Also, you get 2% cash back on purchases at restaurants. And you also get 1% cash back on all purchases. There is no yearly fee. It is on offer to applicants with exceptional credit.
But your cash back can only be redeemed in $25 increments.
Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/
Additionally, consider the Spark Cash Select from Capital One. You get 1.5% cash back on all purchases, with no limitations.
New cardholders can also get a $200 cash bonus once they spend $3,000 on new purchases within three months of account opening. New customers also get initial APR of 0% on purchases for nine months. Also, there is no annual fee.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Check out how our reliable process will help your business get the best business credit cards.
Consider the Business Gold Rewards Card from American Express OPEN. You can earn 50,000 Membership Rewards points after $5,000 in purchases on the card within first three months. Also, you get three points on your choice of five categories.
In addition, get two times the points on the remaining categories. Also, get one point per dollar on all other purchases. It has a $0 yearly fee for the first year.
But after that your annual fee increases to $175.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards
Also, have a look at the Business Platinum ® Card from American Express OPEN. You can get up to 75,000 Membership Rewards points at the time of account opening.
Also earn 50,000 Membership Rewards points subsequent to spending $10,000. In addition, get 25,000 more points after spending an extra $10,000. So this is on all on qualifying purchases within the initial three months.
Plus you can get five times the Membership Rewards points on flights and pre-paid hotels on amextravel.com. But – yikes! – it has a $450 yearly fee.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
Which credit cards will help build business credit? They will hinge on your credit history and scores. And they might just not turn out to be which credit cards will help build business credit.
Only you can choose which rewards you want and need, so be sure to do your homework.
And, as always, make certain to build credit in the recommended order for the max, fastest benefits. Share this and tell your friends what you think of which credit cards will help build business credit.
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