Tag: Card

Week 17 playoff picture and clinching scenarios: Bucs win NFC South; Giants clinch wild card

ESPN takes a look at the NFL playoff scenarios for Week 17 and what teams in the AFC and NFC need to do to reach the postseason field.

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Get a Credit Card Statement Credit with These 4 Dynamite Business Credit Cards

Did You Know There Are Credit Cards Where You Can Get a Credit Card Statement Credit?

What is a statement on a credit card? A credit card statement credit—often in the form of a signup bonus—is a popular way for business credit cards to give you perks. It’s a great win-win. For the credit card company, it’s a bookkeeping matter. They don’t have to issue a check and they don’t have to keep track of points. For you, it’s money off your credit card statement balance. And who doesn’t want that?

Keep in mind: all business credit card terms can and do change. As a result, be sure to check the credit issuer’s website before choosing a business credit card. Check out our top choices.

#4. Get a $150 Credit Card Statement Credit from the Marriott Bonvoy Business™ Card

With the Marriot Bonvoy Business™ Card, you can earn up to $150 back in statement credits on eligible purchases made in the first 3 months. You can also earn sextuple points on eligible purchases at hotels participating in the Marriott Bonvoy program.

APR on purchases will be a variable rate, 15.74%—24.74%, based on creditworthiness. There is a $125 annual fee.

#3. Get a $150 Statement Credit in the form of 2% Cash Back with a Cash Back Bonus: TD Business Solutions Credit Card (Visa)

With the TD Business Solutions Credit Card, you can earn $150 cash back as a statement credit when you spend $1,000 in the first 90 days. Earn up to 2% cash back rewards when you redeem them into an eligible TD Bank Deposit Account. Get 1% cash back on purchases. There are no cash back limits. A 13.99%, 18.99% or 23.99% APR is based on creditworthiness for purchases and credit card statement balance transfers.

Pay no annual fee, but there is a 3% foreign transaction fee. Since every business needs a bank account, opening a deposit account at TD Bank could be a good idea. The minimum spend should be easy to achieve, but the reward bonus isn’t as big as ones you can get from other banks. Plus, you can often get a higher percentage of cash back from several other providers, without having to open a bank account.

#2. Get a $250 Credit Card Statement Credit from the American Express Blue Business Cash™ Card

With the American Express Blue Business Cash™ Card, you can earn a $250 credit on your remaining statement balance. So, this is for after you spend $3,000 in purchases on in the first 3 months. It has a 0.0% introductory APR on purchases for the first 12 months. After that APR is variable, from 13.24%—19.24%, based on creditworthiness. Plus, there is no annual fee.

#1. Get a $300 Credit from the Business Advantage Travel Rewards World Mastercard®

We saved the best for last. With the Business Advantage Travel Rewards World Mastercard®, you can earn 30,000 online bonus points after spending at least $3,000 in the first 90 days. You can redeem your points for a $300 credit card statement credit towards travel or dining-related purchases.

It has a 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a variable APR of 12.24%—22.24% will apply. This card has no annual fee.

Bonus: Get a Statement Credit with Conditions from Spark 2X Miles

With Spark 2X Miles, you can earn unlimited double miles on every purchase. Plus, earn a 50,000 miles bonus when you spend $4,500 in the first 3 months. Pay a $0 intro annual fee for the first year, then $95 after.

You can get a credit card statement credit in one of two ways. One is if you use your card to complete the Global Entry application and pay the $100 application fee. The other ways is to complete the TSA Pre✓® application and pay the $85 application fee. Credit will appear within two billing cycles. It will apply to whichever program you apply for first. You can only get one statement credit per account every four years.

You are eligible for one $100 statement credit per account, OR one $85 statement credit per account. This is for every 4 years in connection with the Global Entry or TSA Pre✔® program application fee.

Also, to apply the credit, your account must be open and in good standing. You cannot get a statement credit for fees charged to a Spark Miles Select card, or any Capital One card that is not a Spark Miles card. And you cannot get a statement credit for fees paid for with PayPal®.

Bonus: Get a Choice of Statement Credit Amounts from the Business Platinum Card® from American Express

With the Business Platinum Card® from American Express, you have a choice of statement credit types and amounts.

You can get a $400 statement credit on purchases from Dell Technologies. Or earn a $360 statement credit on purchases from Indeed. Another option is a $150 statement credit for subscriptions from Adobe Creative Solutions. And another choice is a $120 statement credit for wireless telephone service purchases.

Other perks include quintuple points on flights and prepaid hotels. You can also get credits and bonuses for airline and other travel costs.

Pay a 0.0% intro APR for the first 12 months, on purchases eligible for their ‘Pay Over Time’ program, then a 14.24%—22.24% variable APR.

But this card, as you would expect from platinum, has a $695 annual fee. We put this one a bit ahead of the Delta card (see below) because there are more and larger statement credit options. Plus they don’t seem to award statement credits on a quadrennial basis. If you travel a lot for business, and if you need to impress clients, then this one may be worth your while. But an annual fee that runs over 1/3 of a typical monthly mortgage payment is an extremely high hurdle to get over.

Bonus: Get a $100 Credit Credit from Delta SkyMiles® Reserve Business American Express Card

With the Delta SkyMiles® Reserve Business American Express Card, you can get a $100 statement credit after you spend $4,000 in the first 3 months. Also, Basic Card Members can get a statement credit for a five-year membership every 4 years after applying for Global Entry ($100). Or get a statement credit every 4.5 years after applying for TSA Pre✓® (up to $85) through any Authorized Enrollment Provider.

APR on purchases will be a variable rate, 15.74%—24.74%, based on creditworthiness.

But there is a ridiculously high $550 annual fee! The statement credit is nice, but it is not worth it.

Takeaways

The business credit cards we reviewed offer statement credit deals running from $85 to $400. Annual percentage rates run from 0% t0 24.74%, with many cards offering a 0% introductory APR for a limited time. Some cards offer monetary bonuses, often dependent upon spending a minimum amount during a short window of time. And always check a provider’s website for the latest and most accurate details on any business credit card that interests you.

The post Get a Credit Card Statement Credit with These 4 Dynamite Business Credit Cards appeared first on Credit Suite.

Top 5 Business Credit Card 0 APR Balance Transfer Options

Looking for a business credit card 0 APR balance transfer option? We put together a list of our top 5 picks to help you quickly and easily find the best option for your business.

Check out how our reliable process will help your business get the best business credit cards.

What Are the Best Business Credit Card 0 APR Balance Transfer Options?

It’s important to note that 0% balance transfers are often promotional or introductory. Things change, and we work hard to keep this information up to date, but be sure to check with each of these business credit card 0 APR balance transfer options specifically to ensure you have the most current information.  For now, here are our top picks.

Mechanics Bank Visa

The Mechanics Bank Visa Business Card has no annual fee. The 0 APR on balance transfers is for the first 20 billing cycles.  Then it increases to  11.99 to 20.00% based on creditworthiness. There is a 3% balance transfer fee or $5, whichever is more.

 

 

 

 

 

PNC Visa Business Credit Card

With PNC Visa Business Credit Card, you earn 5 points per $1 spent on qualifying purchase.  The 0% APR on balance transfers is for the first 9 billing cycles when the balance is transferred in the first 90 days.  There is no annual fee.

 

 

 

 

 

Synovus Business Travel Rewards

This card boasts a 0% APR for the first 6 months and the same for purchases. There is no annual fee.

 

 

 

 

Busey Bank Platinum Card

This platinum card also has no annual fee. The 0% introductory APR on balance transfers and purchase lasts for the first 20 billing cycles. After that, the rate increases from 13.49% to 23.49%, based on creditworthiness at the time the account is opened.  It will vary with the market based on Prime Rate.

 

 

 

Business Credit Card 0 APR Balance TransferBremer Bank Platinum Card

The Bremer Bank Platinum Card offers similar benefits to Busey. The 0% introductory APR for purchases and balance transfers is good for the first 20 billing cycles. Then, it increases to 13.49% to 23.49% depending on your creditworthiness when you open the account. Of course, it will vary with the market based on the Prime Rate.

 

 

How Business Credit Card 0 APR Balance Transfer Options Can Help You Manage Your Business Finances

If you have a high interest balance, you can transfer that balance to a 0% interest rate card and save a lot of money. Not only that, but you can also pay the balance off more quickly.  There are a few things to remember about this however.

First, be aware that there is typically a balance transfer fee, and it can be steep.  If there is a 3% transfer fee and you transfer $5,000, you will actually have an initial balance of $5,150. That may not seem like a lot, but if you do not pay off the balance before the 0% APR ends, and you end up transferring the balance to yet another card, those fees can add up. Watch the dates and be aware of fees.

Check out how our reliable process will help your business get the best business credit cards.

Another thing to consider is that many cards will not let you transfer a balance that meets your limit.  They will have a separate limit for balance transfers.  For example, if your credit limit is $2,000, your balance transfer limit may only be $1,800.

A 0 APR balance transfer card can be a powerful business finance tool, but it must be wielded carefully.  If not, it can actually do more harm than good. For more info on business credit cards and other financing options for your business, contact us today.

The post Top 5 Business Credit Card 0 APR Balance Transfer Options appeared first on Credit Suite.

Bucs' Bruce Arians says Antonio Brown returning after fake vax card incident is 'in the best interest' of team

Head coach Bruce Arians confirmed Sunday night that wide receiver Antonio Brown will be rejoining the Tampa Bay Buccaneers this week after previously misrepresenting his vaccine status, adding that having him back is “in the best interest of our football team.”

How to Spot the Best Business Rewards Credit Card Out There

What is the Best Business Rewards Credit Card Out There?

Are you looking for business credit card rewards? Did you know there are a ton of different kinds? Get points, travel rewards, a low APR, and more! The best business rewards credit card for you is out there.

Rewards Business Credit Cards

Business credit cards may offer rewards in the form of rebates or statement credits or other perks. Some perks may include waiving a first late payment fee or a free cell phone protection plan. You may also get bonus points by spending a certain amount within an amount of time. This period tends to be right after you first get such a credit card.

Travel Rewards Business Credit Cards

Travel rewards are usually calculated in miles rather than points. Rewards may tie to a particular airline or hotel chain. Travel rewards may also come in the form of discounts on car rentals or hotel stays. They can even come in the form of added miles for filling up using certain gasoline brands. Some cards offer a reward in the form of free TSA PreCheck®, which currently costs $85.

Caveats When it Comes to the Best Business Rewards Credit Card

Rewards can seem tempting and easy to get. But always look at annual fees (if any) and APR. Also, make sure you know exactly what you can redeem for points or miles. Learn how many points or miles you need, and how much you have to spend to get them. And read the fine print to find out if your rewards ever expire. A generous program with points that expire fast that you can only trade in for stuff you don’t want or need is no bargain.

Get a Low APR

Can you get business credit card rewards and still enjoy a low annual percentage rate? Sure you can.

Alpine Bank Visa Platinum Rewards

Check out the Alpine Bank Visa Platinum Rewards card. Pay no annual fee. Get one point per dollar spent. Bonus points: 5,000 for first $3,000 spent in first four billing cycles. The APR for purchases is Prime + 8.74—14.74%. This is a good card for APR, and the amount you need to spend for a bonus is somewhat low.

Frost Bank Business Rewards Credit Card

Take a look at the Frost Bank Business Rewards Credit Card. Pay no annual fee. Get a revolving balance option for credit lines of $50,000 and under. Pay an APR of 9.9% + prime.  The monthly credit limit cap is $25,000 if you apply online, for current Frost customers only. But it’s $100,000 if you apply by mail.

The revolving balance option is attractive, and the APR is excellent and doesn’t expire. The monthly credit limit cap is lower for applying online. Making a distinction between online and mail applications seems backwards.

PNC Travel Rewards Visa Business Credit Card

Take a look at the PNC Travel Rewards Visa Business Credit Card. Get one mile per dollar in eligible net purchases. Earn double miles on the first $2,500 in eligible net purchases. You can book your own travel and then redeem miles for a statement credit. There are no foreign transaction fees on purchases outside US. Pay no annual fee. There’s a variable APR, currently 10.99—19.99%, per creditworthiness.

The APR is good if your credit makes you eligible for the lower end of the spectrum. A statement credit for acting as your own travel agent is good, if you have the time to book your own travel. Double miles are welcome but it’s easy for a business owner to exceed the cap.

Rewards Business Credit Cards with Low Minimum Spend to Get a Bonus

What if you want business credit card rewards where you don’t have to spend a lot to get a bonus?

Bremer Bank Visa Smart Business Rewards

Check out the Bremer Bank Visa Smart Business Rewards card. There’s a $0 annual fee for the first twelve months. Then pay $95 every year after. Pay $95 for Account Owners, and $0 for Authorized Employees. Get double points per dollar spent in your top two spend categories each month. And get one point monthly per dollar spent on other eligible purchases. Earn 20,000 bonus reward points after spending $500 in the first 90 days. Pay a 15.99—20.99% APR per creditworthiness.

The bonus reward points offer is generous, and the spend should be a snap for most businesses to meet. The annual fee for account owners is somewhat high. But no annual fee for authorized employees means you can use this card with a large number of employees.

Mechanics Bank Smart Business Rewards Visa

Take a look at the Mechanics Bank Smart Business Rewards Visa. Pay a $0 introductory annual fee for the first twelve months. Then pay $95 every year after. Pay $95 for Account Owners, and $0 for Authorized Employees.

Get double points per dollar spent in top two spend categories per month. Earn 20,000 bonus rewards points if you spend $500 in the first 90 days. The APR for purchases and balance transfers is 15.99—20.99%, per creditworthiness. This is a very generous bonus for such a low spend!

Bank of Hope Business Rewards Visa® Credit Card

Get a good look at the Bank of Hope Business Rewards Visa® Credit Card. You pay no annual fee. Earn 5,000 bonus points after spending $1,000 in the first three months. Earn triple points on gas. Get double points on travel and dining. And earn one point per dollar on all other purchases. Pay a 0% introductory APR for nine months. Then pay a variable APR 12.49%, 16.49% or 20.49% per creditworthiness after the introductory period ends.

It should be easy for most entrepreneurs to meet the spend required for the points bonus. Triple points on gas are particularly helpful if yours is a business requiring a lot of time on the road. Say, trucking. If your credit is good enough to get the lowest APR after the introductory period ends, this could be a great card.

Mechanics Bank Visa Business Real Rewards

Check out the Mechanics Bank Visa Business Real Rewards card. You pay no annual fee. Get 1.5 points per month per dollar. You can get a 2,500 bonus rewards points after first purchase. Pay a 0% introductory APR for purchases and balance transfers for the first six billing cycles. Then pay 13.99—22.99% per creditworthiness. The bonus is decent, and there’s no minimum spend.

Get a Generous Bonus After Minimum Spend

How about generous bonuses for your business credit card rewards?

Union Bank Business Preferred Rewards Visa Credit Card

Get a look at the Union Bank Business Preferred Rewards Visa Credit Card. Earn a 50,000 introductory reward points bonus when you spend $5,000 in the first three months. Get quintuple points per dollar spent to $25,000 annually on select business expenses. These are office supplies, utility bills, telecom services. And get one point per dollar spent above that. Earn double points for each dollar spent up to $25,000 annually on gas stations and restaurants. And get one point per dollar spent above that. Plus, get one point per dollar spent on everything else.

Pay a 0% introductory APR for the first six months. Then pay an 11.99—20.99% variable APR. Pay no annual fee. This card has a great introductory points offer and the amount you have to spend to get it isn’t bad.

Business Credit Card Rewards with Generous Point Multipliers

Want some serious point multipliers? Then look no further.

Synovus Business Travel Rewards Visa Credit Card

Take a look at what the Synovus Business Travel Rewards Visa Credit Card is all about. Enjoy a 0% APR for the first six months, for purchases, balance transfers, and overdraft protection. Pay a $0 membership fee for the first year; then pay $50 per year.

Get quintuple points on up to $5,000 per year spent on travel purchases. This includes hotel, airlines, car rental, vacation packages, and more. Earn triple points on up to $3,000 spent quarterly for purchases in category of choice. And get one point per dollar on all eligible purchases, with no limit on points.

You can pay for purchases with points (there are some restrictions).Points are worth 20% more for travel redemption. Pay no foreign transaction fee. If you travel a lot, this card’s perks make it worthwhile.

Get the Best Business Rewards Credit Card with No Cap on Cash Back Earned

If you spend a lot, you might want a card where there’s no cap on the cash back you can earn.

Mastercard Business Cash Rewards Credit Card from Republic Bank

With the Mastercard Business Cash Rewards Credit Card, earn 1.25% cash back on all purchases. Get automatic rebates on eligible purchases with Mastercard Easy Savings. Pay a $35 annual fee per card. Pay a 0% introductory APR for nine months; then pay 17.45%.

Rebates via Mastercard Easy Savings are not too generous. For example, 4% off Budget Rent a Car doesn’t amount to much when an economy car can cost over $100 per day. The annual fee is also somewhat concerning. Hence this is not a good card for a large number of employees.

Get Varied Travel Benefits

Need travel benefits? If your business travel is local, this is great card.

First Hawaiian Bank MasterCard Cash Rewards Business Credit Card

With the First Hawaiian Bank MasterCard Cash Rewards Business Credit Card, get 3% unlimited cash back on gas and dining. And get 2% unlimited cash back on utilities. Earn 1% unlimited cash back on everything else. There’s no annual fee.

Pay a 15.49% APR. Earn a $200 credit with a $2,000 spend in the first 3 months from account opening. With its somewhat low spend, no annual fee, and decent (but not exceptional) APR, this can be a good card. If your business requires you to travel by car and entertain clients on the road, it’s a great card.

Get the Best Business Rewards Credit Card For Startups

Yes, startups can get in on the business credit card rewards action!

Mercury Bank MasterCard (personal)

Mercury is an angel-funded bank serving startups. Pay a $0 or $79 annual fee for a Mercury Bank MasterCard. There are cashback rewards but they are not specified on the bank’s website. The transfer APR is $5 or 4% of amount of each transfer, whichever is more. Pay 26.99—29.99% APR.

This could turn out to be a good card for startups. But interest rates are high, so be sure you can pay on time before charging. It also seems to be a personal card. Improving personal credit will help raise your Experian business credit scores. So a good payment history with this one could be worth your time.

Get Merchant Rebates

You can even get merchant rebates if you prefer.

Banner Bank Commercial Rewards Mastercard

For merchant rebates, consider the Banner Bank Commercial Rewards Mastercard. Pay a $19/card annual fee. There is a 11.99% APR for purchases. Get 1% cash back.

Get three TruRewards points per dollar of net retail, internet, phone, or mail order purchases. Redeem TruRewards points for cash back, travel, gift cards or merchandise. Use TruRewards with merchants like Starbucks, the Fairmont Hotel, and Cuisinart.

TruRewards offers (for example) a $100 travel voucher with Budget Rent a Car if you redeem 43,300 points. Even with three points per dollar, that still comes to spending over $14,000 to get $100 off! And it can cost over $100 per day to rent a compact car from Budget. The APR is decent although the annual fee is concerning—particularly as there is no introductory waiving of the annual fee.

Takeaways for the Best Business Rewards Credit Card

Rewards business credit cards have varying pros and cons. Your best choice will depend upon factors such as if you’re likely to keep up with payments. Also, how much (and how fast) you can spend to meet a minimum, the APR, annual fees, and if the rewards are useful to you.

The post How to Spot the Best Business Rewards Credit Card Out There appeared first on Credit Suite.

What’s the Best Credit Card for Points?

Wondering how to find the best credit card for points? Well, it’s a question easier asked than answered.  Everyone has different needs.  Some businesses do a lot of travel, some entertain more, and others simply need to get cash back on purchases. Due to these differences, it can take some time to find just the right card for your business.

The Best Credit Card for Points Depends on a Number of Factors

The thing is, there is a wide variety of credit cards out there. Some offer points at different rates for different types of spending.  Of course, redemption options vary greatly as well. You need to find a card that offers the most points for the types of spending you do the most, as well as the best redemption offers that will save your specific business the most money.

Check out how our reliable process will help your business get the best business credit cards.

 

Also, if you’re asking yourself “Are credit card rewards taxable?” the answer is, they might be. It’s important to keep that in mind.  There could be tax consequences associated with credit cards as well.

Here are some options we like when it comes to credit card rewards for points, but remember, details change frequently. We make every effort to update them regularly, but be sure to check with the card provider directly to ensure you have the most up to date information.

Alpine Bank Visa Platinum Rewards

The Alpine Bank Visa Platinum Rewards card boasts a $0 annual fee. There is also a balance transfer APR of 10%.  You earn one point per dollar spent, which is pretty standard. However, you also earn a 5,000 point bonus after you spend $3,000 in the first four billing cycles.  When you do the math, that is less than $1,000 per month in the first four months to earn an extra 5,000 points.  The annual percentage rate is 21% for cash advances and Prime + 8.74-14.74% for all other purchases.  

Bank of Hope Credit Card

The Bank of Hope Credit Card also has a $0 annual fee.  Better yet, you can earn a 5,000 point bonus with this card as well.  But, you only have to spend $1,000 in the first three months!  You earn 3x points on gas, 2x on travel + dining, and one point per dollar on all other purchases.  To top it off, there is a 0% introductory interest rate for nine months.  After that, it’s variable at 12.49%, 16.49% or 20.49%, based on creditworthiness after the end of the introductory period.

Union Bank Business Preferred Rewards Visa Credit Card

Union Bank’s Business Preferred Rewards Card offers a very large points bonus of 10,000 points. To qualify, you have to spend $5,000 in the first 3 months. You earn 5X per dollar spent, up to $25,000 annually, on certain business expenses. Some of these include office supplies, utility bills, and telecom services.  After that, you earn one point per dollar. You also earn 2X points up to $25,000 on gas and dining, and one point per dollar after that.  All other spending is one point per dollar.

There is a 0% introductory interest rate for the first 6 months.  Going forward, 11.99-20.99% variable.  There is no annual fee.

Check out how our reliable process will help your business get the best business credit cards.

US Bank Business Leverage Visa Signature Card

With the US Bank Business Leverage Visa Signature Card, there is no annual fee for the first year.  After that it is $95 per year.  If you spend $7,500 in the first four months, you earn 75,000 points. You also earn 2X points in your top two spending categories.

PNC  Points Visa Business Credit Card

This PNC Visa Business Credit Card for points offers 5 points per dollar on net  purchases. There is an introductory interest rate of 0% on the first 9 billing cycles on purchases.  Also, earn a $200 bonus when you spend $3,000 during the first three billing cycles.  There is no annual fee.

Choose the Right Credit Card for Points for Your Business

How do you choose the right card for your business?  Consider your spending.  Do you spend a lot on dining? Then, pick the card that offers the most points back on dining with the best bonus offer. For example, in the list above both the Bank of Hope and the Union Bank cards offer 2x points on dining. They also offer bonus points.

You may be thinking that the 10,000 points bonus offered by the Union Bank card is better, and you are right. That is, if your business will spend $5,000 in the first three months.  If not, you will likely be better off with the Bank of Hope card, where the bonus is half that, but you only have to spend $1,000 in the first three months.

It’s also important to note that there are sometimes expiration dates on points, so be sure you will be able to use them before they expire. If not, they are worthless. Bonus points may expire faster than other points, so watch for that too.

Check out how our reliable process will help your business get the best business credit cards.

As you can see, it’s important to carefully weigh the details to get the best deal. There are a lot of options, and some of the offerings are for a limited time. If you pay close attention though, you can find the best credit card for points to benefit your business.

The post What’s the Best Credit Card for Points? appeared first on Credit Suite.

You Can Get a Fantastic Business Credit Card Bonus – Check Out Our Top Choices

Looking for a Business Credit Card Bonus?

There are a lot of business credit cards out there. Choices can come from well-known providers, and not so well-known ones. If you’re looking for a business credit card bonus, then you’ve come to the right place.

What Sort of a Business Credit Card Bonus is Available?

In general, bonuses will come in the form of either cash or points, sometimes travel points. Although we did find one where you can get a bonus in bitcoin! Virtually always, you will have to spend a minimum amount within a particular time frame before you can get the bonus. To find the best deal for you, check out the details closely.

Business Credit Card Bonus in Generous Points, Not Requiring a High Minimum Spend

We start with cards which give generous point bonuses but don’t require that you spend an arm and a leg in order to get them.

Bremer Bank Visa Smart Business Rewards

Check out the Bremer Bank Visa Smart Business Rewards card. Pay a $0 annual fee for the first twelve months, then $95 for the first year and every year after $95 for Account Owners, $0 for Authorized Employees. Get double points per dollar spent in your top two spend categories each month. And get one point monthly per dollar spent on other eligible purchases. Earn a 20,000 bonus reward points after you spend $500 in the first 90 days. Pay a 15.99-20.99% APR based on creditworthiness.

The bonus reward points offer is generous, and the minimum spend should be a snap for most businesses to meet. The annual fee for account owners is fairly high, but no annual fee for authorized employees means this card could be used successfully with a large number of employees.

Mechanics Bank Smart Business Rewards Visa

Consider the Mechanics Bank Smart Business Rewards Visa. Pay a $0 introductory annual fee for the first twelve months, then $95 for the first year and every year after $95 for Account Owners, $0 for Authorized Employees. Get double points per dollar spent in top two spend categories per month. And get 20,000 bonus rewards points if you spend $500 in the first 90 days. The APR for purchases and balance transfers is 15.99-20.99% based on creditworthiness. This is a very generous bonus for an incredibly low spend.

Business Credit Cards with the Most Generous Points Offers

You may have to spend more with these cards, but you’ll get even more points.

Union Bank Business Preferred Rewards Visa Credit Card

Check out the Union Bank Business Preferred Rewards Visa Credit Card. Get a 50,000 introductory reward points bonus when you spend $5,000 in the first three months. And get 5x points per dollar spent to $25,000 annually on select business expenses (office supplies, utility bills, telecom services), and one point per dollar spent above that. Enjoy double points for each dollar spent up to $25,000 annually on gas stations and restaurants and one point per dollar spent above that. Get one point per dollar spent on everything else.

Pay a 0% introductory APR for the first six months, then 11.99-20.99% variable APR. You pay no annual fee.

This card has a great introductory points offer and the amount you have to spend to get it isn’t bad.

Score the best business credit cards for your business.  Check out our professional research.

Bank of America Business Advantage Travel Rewards Credit Card Platinum + MasterCard

Get to know the Bank of America Business Advantage Travel Rewards Credit Card Platinum + MasterCard. There is a $0 annual fee. Get 30,000 bonus points when you make at least $3,000 in new net purchases that post to your account within the first 90 days. Earn 1.5 points per dollar spent. And get triple points per dollar spent on travel. There is a 0% introductory APR for the first nine billing cycles, then 12.24-22.24%. The bonus points offer is generous and the minimum spend is relatively easily attainable. If your business requires a lot of traveling, this is a good card.

Business Credit Card Bonus via Cash Back Offers and a Fairly Low Minimum Spend

If cash back offers are more your speed, consider these options.

Chase Bank Ink Business Unlimited®

Check out the Chase Bank Ink Business Unlimited® card. Get $750 bonus cash back if you spend $7,500 in the first 3 months after account opening. Pay no annual fee. Get 1.5% cash back unlimited. Pay a 0% APR on purchases for the first 12 months after account opening, then 13.24-19.24% based on creditworthiness. The balance transfer APR is 13.24-19.24% based on creditworthiness. If you have several computers or other expensive equipment to purchase, buy it quickly to take advantage of the cash back bonus.

US Bank Business Cash Rewards World Elite™ Mastercard®

Get to know the US Bank Business Cash Rewards World Elite™ Mastercard®. Earn to 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases. All other purchases earn 1% cash back. Purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline, and as such will earn a reward of 1%.

Get $500 cash back if you spend $3,000 in the first 90 days from account opening

Earn a 25% annual bonus based on your prior year’s cash rewards, to $250. Pay no annual fee. And pay a 0% introductory APR for the first 12 billing cycles. After that, 13.99-22.99% based on creditworthiness.

Details

To hit the bonus limit, you would have to have spent over $33,000 in the previous year. But the initial spend requirement isn’t too bad, and you can certainly meet it by buying computers or the like. The APR after the introductory period is acceptable. If your credit is such that you qualify for the lower APR, this card could turn out to be a decent deal.

Secured Card Business Credit Card Bonus

If you want or need a secured credit card, here’s one with a business credit card bonus.

Wells Fargo Business Secured Credit Card

Get to know the Wells Fargo Business Secured Credit Card. A Wells Fargo business checking or savings account must be open before applying. Upon approval, your funds will be transferred from the deposit account to fund the credit line. Get a $500 to $25,000 credit line, based on the amount of funds deposited by you as security in a collateral account. Pay no annual fee. There is no foreign transaction fee.

Get up to 10 employee cards. Pay prime + 11.90% APR on purchases. And pay prime + 20.74% APR on cash advances. Cash advance or balance transfer fees may apply.

Choose between Cash Back or Rewards Points

There is no annual rewards program fee. And there’s no required spending categories or caps. Earn 1.5% cash back for every $1 spent on net purchases. You get cash back automatically as a credit to your account or to your eligible checking or savings account each quarter.

If you choose rewards points, you will earn 1 point for every $1 spent on net purchases. Get 1,000 bonus points when your company spends $1,000 or more in any monthly billing period. Redeem points for gift cards, merchandise, airline tickets and more. Get a 10% points credit when you redeem points online. And you can earn extra bonus points or discounts from Earn More Mall® retailers.

Build Business Credit

Wells Fargo reports your payment and usage behavior to the Small Business Financial Exchange. Plus, payment and usage activity of the Wells Fargo Business Secured card is not reported to the consumer credit bureaus, therefore it will not help build or rebuild personal credit history.

Wells Fargo will periodically review your account and recent credit history for an opportunity to upgrade to an unsecured business credit card. You may become eligible with responsible use over time. Being able to upgrade to an unsecured business credit card also depends on your FICO score, payment history and ratio of credit card usage to credit limit.

Score the best business credit cards for your business.  Check out our professional research.

Credit Card with a Bitcoin Bonus

For the most out-there credit card signup bonus we found, check out how you can get bitcoin as a bonus.

BlockFi Bitcoin Rewards Credit Card from Visa (personal)

Check out the BlockFi Bitcoin Rewards Credit Card from Visa. But note this is a personal credit card, but any popular rewards or bonus program can eventually make its way into the business credit card world.

Earn an unlimited 1.5% back in bitcoin on every purchase. Pay no annual fee. There are no foreign transaction fees. Earn 2% back in bitcoin on every purchase over $50,000 of annual spend. And earn 3.5% back in bitcoin during your first 3 months of card ownership.

The introductory offer is capped at $100 dollars in bitcoin, which equals about $5,000 of spend to earn an extra $100 in bitcoin. You can earn crypto interest on bitcoin rewards. Get a 2% annual percentage yield bonus in bitcoin on stablecoin holdings, which is paid in bitcoin, up to $200. Get a trading bonus of 0.25% back in bitcoin on all eligible trades. And earn $30 in bitcoin for every client referral, on top of base.

Details

A soft credit pull happens before accepting the credit card offer. And a hard credit pull occurs when you’ve accepted your credit card offer. There is no information on when this card will actually be available. Until this card is available, it will be difficult to tell which individuals would most benefit from it. Backing from Visa is encouraging, but the hard credit pull is concerning.

Business Credit Card Bonus and Low APR

If you want to enjoy a low annual percentage rate in addition to a business credit card bonus, take a look at these choices.

PNC Bank Cash Rewards® Visa Signature® Business Credit Card

Take a look at the PNC Bank Cash Rewards® Visa Signature® Business Credit Card. Get $200 bonus if you spend $3,000 in the first 3 billing cycles after account opening. 1.5% cash back on net purchases, no cash back limits. Pay no annual fee. You pay a 0% APR for the first 9 billing cycles after account opening, then 10.99-19.99% variable APR, based on creditworthiness . With mostly lower interest rates and an easy to meet minimum spend, this card is great if you can’t or won’t spend so much in such a short amount of time after getting the card.

Alpine Bank Visa Platinum Rewards

Take a look at the Alpine Bank Visa Platinum Rewards card. You pay no annual fee, and get one point per dollar spent. Get bonus points: 5,000 for first $3,000 spent in first four billing cycles. The APR for purchases is Prime + 8.74-14.74%. And the APR is 21% for cash advances. There is a balance transfer APR of 10% or 3% of the amount of each transfer, whichever is greater. This is a good card for both APR and the amount you need to spend for a bonus is fairly low.

Score the best business credit cards for your business.  Check out our professional research.

Bank of Hope Business Rewards Visa® Credit Card

Business Credit Card Bonus Credit SuiteAnother choice is the Bank of Hope Business Rewards Visa® Credit Card. You pay no annual fee. There is a 3% balance transfer fee with a minimum of $5. Earn 5,000 bonus points after spending $1,000 in the first three months. And you can earn triple points on gas. Get double points on travel and dining. Earn one point per dollar on all other purchases.

There is a 0% introductory APR for nine months, then variable APR 12.49%, 16.49% or 20.49% based on creditworthiness after introductory period ends. It should be easy for most entrepreneurs to meet the minimum spend required for the points bonus. Triple points on gas are particularly helpful if yours is a business requiring a lot of time on the road (say, trucking). If your credit is good enough to get the lowest APR after the introductory period ends, this could be a great card for you.

Get a Business Credit Card Bonus: Takeaways

Always look for the biggest business credit card bonus you can get, with the lowest possible minimum spend. Plus make sure it’s a bonus you can use. Because if points expire before you get a chance to use them, it’s as if you never got the bonus in the first place.

The post You Can Get a Fantastic Business Credit Card Bonus – Check Out Our Top Choices appeared first on Credit Suite.