Tag: credit

Credit Scores And Debt Counselling In The UK

Credit Report And Debt Counselling In The UK

Customer financial obligation in the UK is a significant issue, both at a specific as well as social degree. There is not that we can do concerning the social trouble, yet people can act to stop and also conquer their very own financial debt troubles. While UK residents might be regrettable to stay in a culture where financial obligation is typical, they are additionally privileged in the means non-mortgage consumer debt and also financial debt coaching solutions have actually developed to fulfill the issue directly.

Those people that begin to locate their individual financial obligations frustrating and also creating excellent concern might determine they must look for assistance via debt coaching. There is still a preconception connected to financial obligation, bankruptcy as well as insolvency in the UK, and also personal bankruptcy regulations are really severe contrasted to some states in the United States.

Such hesitation is an embarassment, yet nevertheless, countless individuals look for financial obligation or credit rating therapy in one kind or an additional monthly in the UK. Once they have actually made the choice to look for recommendations, they have a great selection of suggestions resources. Notably, there are a number of complimentary financial obligation advisory solutions, so there truly is no requirement to be attracted by any kind of solicitation from financial debt consultants that are mosting likely to bill.

Right here are 4 cost-free financial obligation therapy solutions in the UK you can think about:

1. Person’s Advice Bureau

The Citizen’s Advice Bureau (CAB) manage lots of kinds of customer recommendations, yet financial obligation therapy has actually come to be a noticeable location for them over the last 20 years, as the British have actually gotten on regular financial debt troubles.

The CAB offers a cost-free as well as comprehensive solution via its particularly skilled customer financial debt counsellors, that will certainly handle your financial institutions in your place once you give all the needed information of your financial debts. I have actually understood 3 individuals that have actually made use of CAB’s financial debt therapy as well as were really pleased with it.

2. National Debtline

The National Debtline is a telephone based solution which has actually existed, as a charity, given that 1991. This is an additional complimentary solution that has actually progressed to fulfill the solid need for financial debt recommendations. Some individuals might favor the telephone as well as article to one-on-one conferences with the non-mortgage consumer debt counsellor, and also this solution is incredibly popular.

3. Non-mortgage Consumer Debt Counselling Service

The Consumer Credit Counselling Service (CCCS) is additionally a signed up charity. Their function is to aid individuals that remain in economic problem by offering totally free, independent, reasonable and also neutral guidance; precisely what someone with financial debt issues requires. The umbrella charity is called the Foundation for Credit Counselling.

4. Bankruptcy Helpline

A various kind of organisation is the Insolvency Helpline, which provides financial debt recommendations to both firms as well as customers. It is the biggest specialist network of accounting professionals and also legal representatives, being experts in cash guidance, in the UK. The Insolvency Helpline advertises the stipulation of independent cash suggestions from the UK’s controlled specialist bodies, which suggests the financial debt or bankruptcy counsellors are not just well certified, yet need to follow their specialist body’s standards.

From the above 4 bodies, you make certain to locate one that will certainly give valued support with involving terms with as well as handling your financial debt issues. There is definitely no requirement to catch the advertising and marketing of those that might attempt to exploit your difficulty, and also look for in advance settlements for their suggestions.

While UK residents might be regrettable to live in a culture where financial obligation is widespread, they are additionally privileged in the method customer credit score and also financial obligation coaching solutions have actually progressed to satisfy the trouble head on.

Those people that begin to locate their individual financial obligations frustrating as well as triggering excellent concern might choose they must look for assistance via credit report therapy. Such hesitation is a pity, yet also so, thousands of individuals look for financial debt or credit rating therapy in one type or an additional every month in the UK. Significantly, there are a number of complimentary financial obligation advisory solutions, so there actually is no demand to be lured by any type of solicitation from financial obligation consultants that are going to bill.

The Insolvency Helpline advertises the arrangement of independent cash suggestions from the UK’s managed expert bodies, which implies the financial obligation or bankruptcy counsellors are not just well certified, yet have to follow their specialist body’s standards.

The post Credit Scores And Debt Counselling In The UK appeared first on ROI Credit Builders.

Get Fantastic Building Business Credit Cards

The Best Building Business Credit Cards

We looked at a ton of building business credit cards and did the research for you. Check out our top picks.

Per the SBA, company credit card limits are a whopping 10 – 100 times that of personal cards!

This demonstrates you can get a lot more cash with business credit. And it also means 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 financial data to get small business credit.

Building Business Credit Cards: The Benefits

Perks can differ. So, make sure to pick the perk you prefer from this variety of options.

Building Business Credit Cards – Make Your Credit Surge!

Discover it® Student Cash Back

Be sure to check out the Discover it® Student Cash Back card. It has no yearly fee. The card also offers a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.

One distinct feature is that it offers an incentive for scholars to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit every year for up to five years.

Details

Use this credit card to build personal credit. While this is a personal credit card versus a company card, for new credit users, their FICO scores will be vital. And this card offers an excellent way to raise FICO while also getting rewards.

You can get 5% cash back at different places each quarter such as grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And even though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

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

Secure Business Credit Cards for Average Credit: An Excellent Accompaniment to Building Business Credit Cards

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 gets 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/

Reliable Low APR/Balance Transfers Business Credit Cards: A Smart Consideration to Complement Building Business Credit Cards

Discover it® Cash Back

Have a look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.

Details

You can earn 5% cash back at different places each 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. Plus, automatically earn unlimited 1% cash back on all other purchases.

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

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

Company Credit Cards with 0% APR – Pay Zero!

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 yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. After that, the card has a 13.24 – 23.24% variable APR.

Earn 3 points/dollar spent when you book travel through the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can get unlimited points and points will never expire.

Details

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

They also 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

Have a look at the JetBlue Plus Card for yet another offer of a 0% introductory APR

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

Details

Spend $1,000 in the first 90 days and pay the annual fee and earn 40,000 bonus points. New cardholders receive a 12-month, 0% initial APR on balance transfers made within 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/

Building Business Credit Cards Credit Suite

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

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, get 3% back on hotel, airfare and vacation home rentals. And get 2% back on online purchases.

So, this includes retailers and subscription services such as 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 in the app.

By spending a minimum of $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 per year are eligible to receive a $50 credit toward online subscription services.

Details

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

Cardholders are eligible for exclusive access to specific events and offers. Uber anticipates most of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.

Also, there are restrictions on Uber credits. To redeem points as credits in the Uber app, accrue at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll want to fill your gas tank someway. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Earn 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 yearly fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Have a look at the Ink Business Cash ℠ Credit Card. Businesses can get cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get 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 credit card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn bonus cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Earn 2 miles/dollar with United and at restaurants, 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 first three months from account opening.

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.

Plus, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business

Starwood Preferred Guest® Business Credit Card from American Express

Another alternative is the Starwood Preferred Guest Business Credit Card from American Express.

This card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Earn six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

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

Also, get four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.

Details

Earn 75,000 bonus points when you spend $3,000 in the initial three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The biggest issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 thereafter. 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

Ironclad Secured Credit Cards: An Alternative to Building Business Credit Cards

Wells Fargo Business Secured Credit Card

Have a look at the Wells Fargo Business Secured Credit Card. It charges a $25 annual fee per card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is designed to help cardholders build or rebuild their credit.

Select this credit card if you wish to get 1.5% per dollar in purchases with no limits or get one point for every dollar in purchases. You also get 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

Also, you get free FICO scores every month. There are no foreign transaction fees. It is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a credit card for balance transfers.

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

Terrific Cards for Cash Back: Another Way to Work with Your Building Business Credit Cards

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases. So, this is for the first 15 months an account is open.

But when the introductory period ends, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, 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 yearly spending. Then, you earn 1% cash back.

You also get 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 annual spending. Then, you get 1% cash back.

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

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it 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

Check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 yearly fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards 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 in 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/

Establish Biz Credit at Credit Suite

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

Unbeatable Cards for Jackpot Rewards: When You Graduate from Building Business Credit Cards

Chase Sapphire Preferred® Card

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

You can earn two points to the dollar spent on travel and dining at restaurants. And you can get one point per dollar on all other purchases. Points can be traded in 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 first 3 months from account opening, you will earn 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

Details

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

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

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

Ink Business Preferred ℠ Credit Card

Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.

This is a Visa credit 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 cards at no additional cost.

This card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases get an unlimited flat rate of one point per dollar. And there is no introductory APR

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-business-preferred

Build Biz Credit Credit Suite

Establish business credit fast with our research-backed guide to 12 building 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. Get 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, 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 card has a variable purchase APR of 17.74 – 26.74%. There is an annual fee of $95.

Details

Cardholders can get a 125,000-point welcome offer after making $2,000 in eligible purchases in 3 months from account opening. Earn 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.

If you spend $40,000 on eligible purchases with the card within a calendar year, you can earn Hilton Honors Diamond status through the end of the next calendar year. This status includes all the benefits of Gold status.

It also includes a 50% bonus on base points earned with Hilton Honors and exclusive floor lounge access at select properties. But that is extremely 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 Building Business Credit Cards for You

Your outright best company credit cards hinge on your credit history and scores.

Only you can choose which features you want and need. So, be sure to do your homework. What is outstanding for you could be disastrous for someone else.

And, as always, make certain to develop credit in the recommended order for the best, quickest benefits.

 

The post Get Fantastic Building Business Credit Cards appeared first on Credit Suite.

Wells Fargo Business Platinum Credit Card: What It Is and What It Isn’t

The True Story of What You Can Do with a Wells Fargo Business Platinum Credit Card, and What You Can’t

It can be a bear to figure out which credit cards are worth your time to apply and for and which ones are not.  If you like to play the loyalty points and balance transfer game, it can be equally as daunting to figure out which combinations of cards work best for your needs.  The Wells Fargo Business Platinum credit card is great for many purposes.  It isn’t for everyone though.

To understand if this card is right for you, and how it compares to other cards out there, keep reading.

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

Wells Fargo Business Platinum Credit Card New Customer Perks

Many cards offer a new customer bonus.  The Wells Fargo Business Platinum credit card is no different.  Currently the offer to new cardholders is a one-time $500 cash back bonus or 50,000 bonus points.  That is, if you enroll in their rewards program and spend $3,000 in the first three months.  They also offer a $0 rewards fee annually.

Wells Fargo Business Platinum Credit Card Cash Back and Points

The Wells Fargo Business Platinum credit card offers 1.5% cash back on every $1 spent.  In addition, you can earn 1 point per $1 and 1,000 bonus points if you spend $1,000 or more in any month.  There are no required spending categories or caps.

Users can redeem points for gift cards, merchandise, airline tickets and more.  In addition, you can earn a 10% credit by redeeming points online.

Wells Fargo Business Platinum Credit Card Interest Rates

This card offers a 0% introductory rate for first nine months.  After that, Interest rates are prime + 7.99% to Prime + 17.99% on purchases.  Cash advance rates are prime + 20.74%.

Which Businesses Benefit Most from the Business Platinum Credit Card?

Not all cards work well for all businesses.  This card works best for those that meet the following characteristics:

  • Businesses with annual sales up to $2 million
  • Those wanting the ability to choose between cash back or points
  • Businesses that need an easy way to manage business expenses
  • Those needing to add employee cards. The Wells Fargo Business Platinum credit card allows up to 99 employee cards with no additional fee.

Other Benefits of the Wells Fargo Business Platinum Credit Card

In addition to those already mentioned, this card also boasts the following.

  • Cash management tools
  • Spending reports available online
  • Online banking and bill payment options

How Does the Wells Fargo Business Platinum Credit Card Compare to Other Cards?

It really just depends on what you need and what you qualify for.  Here are some other options for comparison purposes.

Discover it® Cash Back

You can earn 5% cash back at different places each quarter. Gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs all qualify. There is a quarterly maximum each time you activate however. On top of that, automatically get unlimited 1% cash back on all other purchases.

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

For this card, your APR will be 14.99% to 23.99% based on creditworthiness and the market rate, which is based on the Prime Rate. Find out more about this card here.

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

Wells Fargo Business Secured Credit Card

This is another Wells Fargo card that may work better for you if the Wells Fargo Business Platinum credit card is not an option.  It charges a $25 yearly fee per card (up to 10 employee cards).  In addition, it requires a minimum-security deposit of $500 (up to $25,000). It’s designed to help cardholders build or rebuild their credit.

If 1.5% per dollar in purchases with no limits or earn one point for every dollar in purchases sounds like something that would work for your business, this is the card for you. Additionally, you earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

You will also have access to free FICO scores every month. It’s important to note that there are no foreign transaction fees, and it is possible to upgrade to unsecured credit.  They will review your account regularly to see if you are eligible for an upgrade to an unsecured card.  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. Since this is a secured card meant for building credit, it is not a good option for balance transfers.  Find out more about this option here.

Chase Sapphire Preferred® Card

If you travel, the Chase Sapphire Preferred® Card is a great option.  They offer two points for every dollar on dining and travel.  Other purchases will earn you one point per dollar.  Trade the points in for the regular parade of cash back, gift cards, or travel.

Other 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.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 — 24.74% variable. Also, there is an annual fee of $0 introductory for the first year. After that it is $95.  Find out more or apply here.

Business Platinum Credit Card Credit Suite2

Ink Business Preferred ℠ Credit Card

With this card, cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising. The cap on this is $150,000 each year.  All other purchases earn an unlimited one point per dollar spent.

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

One drawback is there is no introductory APR. Find out more and apply for this card here.

Discover it® Student Cash Back

Be sure to look at the Discover it® Student Cash Back card. It has no yearly fee and offers a six-month introductory period of 0% APR on purchases. After six months, there is an APR of 14.99 — 23.99% variable on all purchases.

One exceptional feature is that this card offers an incentive for students to maintain good grades.  Those with a GPA of 3.0 or higher each year will get up $20 statement credit.  This is good for up to 5 years.

Since it is developed with students in mind, this card is great for building personal credit. Of course, this is different than business credit.  However, for new credit users, FICO scores will be important also. This credit card offers an outstanding way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, the card offers unlimited 1% cash back on all purchases.  Also, all cash back rewards are matched 100% the first year.

Drawbacks include a cash advance fee of either $10 or 5% of the amount of every cash advance, whichever is more. 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.  Find out more here.

Hilton Honors American Express Ascend Card

This one earns hotel rewards points, so it is best if you spend a lot of time in hotels. Get up to 12 points per dollar of eligible purchases at participating Hilton hotels or resorts.

In addition, you automatically get Hilton Honors Gold status. That means room upgrades when available, and a 5th night free when you book a rewards stay of 5 nights or more.

This credit card has a variable purchase APR of 17.74 — 26.74%.   Also, there is an annual fee of $95.

Special offers include a 125,000-point welcome after making $2,000 in eligible purchases within 3 months after opening the account.  Additionally, earn a free weekend night award after making $15,000 in eligible purchases on your card in a calendar year.

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

If you spend $40,000 on eligible purchases with the card within a calendar year, you can earn Hilton Honors Diamond status through the end of the next calendar year. This status includes all the benefits of Gold status. Find out more here.

Where Do You Start?

This is just a sample of what is out there and I am certain you can already see how hard the choice can be.  While some narrowing down is easy, based on things such as spending habits and eligibility, other factors are not so cut and dry.

The first thing you should consider is what is actually available to you.  Which cards are you eligible for based on your business income and credit?  If you currently are not eligible for the cards you want, you can do a couple of things.

The easiest is to start building your business credit.  If you don’t already have business credit, now is the time to make that happen. If you haven’t done the following already, they need to be handled first.

  • Incorporate as either a Corporation, S-corp, or LLC.
  • Get an EIN.
  • Get a D-U-N-S number.
  • Make sure your business has its own phone number, address, and fax number separate from your personal ones.
  • Open a separate business bank account.

How Do You Build Business Credit?

After you do these things, you can begin to open tradelines with starter vendors in the vendor credit tier.  These are vendors that will give you net terms on invoices, and then they will report your payments to the business credit reporting agencies (CRAs).  Find out more about the vendor credit tier and some great starter vendors here.

After there are enough of these vendors reporting on-time payments, your business credit score will be strong enough to start applying for credit cards in your business name.  Start with the retail credit tier.  These are store specific cards, such as a Staples credit card or a Best Buy card.  When you apply, use your business name and contact information along with your EIN.  Do not use your name, SSN, or contact information for anything other than identity verification.

As you get more of these cards and use them wisely, you will be able to apply for fleet cards that you can use to manage fuel and auto maintenance expenses.  Those would be from companies like Fuelman and Shell.

Lastly, you can apply for cards in the cash credit tier, which is where the Wells Fargo Business Platinum credit card falls. Other general, non-store associated cards fall into this category as well.

Is the Wells Fargo Business Platinum Credit Card Best for Your Business?

It depends on what you are looking for and what you are eligible for.  If the rewards with the Wells Fargo Business Platinum credit card fit your spending habits, and if you are eligible, then yes, this card may be right for you.

It can help to choose a few of the best cards that you may qualify for, and make a list of their pros and cons.  Maybe the rewards are perfect for you, but there is an annual fee.  Try to evaluate your spending to determine if the rewards will make the annual fee worth it.  Will you earn more than the annual fee in cash back or points?

If you need to do some work on your business credit before you are eligible for approval, there are other options.  Do some research, and in the meantime follow the steps outlined above to get your business credit score up to par.

It really is a balancing act between what you need rewards wise and what you actually qualify for.  Take some time to evaluate these things, do some research, and find the card that will work best for your business.  It may be the Wells Fargo Business Platinum credit card, but it may be something else entirely.

 

 

The post Wells Fargo Business Platinum Credit Card: What It Is and What It Isn’t appeared first on Credit Suite.

Take Charge With New Business Credit Cards With EIN

Yes, You Can Get New Business Credit Cards With EIN

Can a startup get new business credit cards with EIN only? No doubt!

We checked out a number new business credit cards with EIN and did the research for you. So, here are our top picks.

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

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

And you will not need collateral, cash flow, or financial data to get business credit.

New Business Credit Cards With EIN: Benefits

Perks can vary. So, make sure to select the benefit you like from this variety of alternatives.

Secure New Business Credit Cards with EIN for Average Credit

Capital One® Spark® Classic for Business

For fair credit, we like the Capital One Spark Classic for Business. It has no yearly fee. There are cash-back rewards. The card earns an unlimited 1% cash back on all purchases. There is an annual fee of $0.

With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.

But KEEP 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.

Ironclad Secured New Business Credit Cards with EIN

Wells Fargo Business Secured Credit Card

Check out the Wells Fargo Business Secured Credit Card. It charges a $25 annual fee per card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000). And it is designed to help cardholders develop or rebuild their credit.

Pick this card if you want to earn 1.5% per dollar in purchases with no limits. Or get one point for every dollar in purchases. You also get 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

Also, you get free FICO scores every month. There are no foreign transaction fees. It is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a card for balance transfers.

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

Small Business Credit Cards with 0% APR – Pay Zero!

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 yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel with the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can earn unlimited points and points never expire.

new business credit cards with ein Credit Suite

Details

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

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

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

JetBlue Plus Card

Check out the JetBlue Plus Card for another offer of a 0% introductory APR

Get six points/dollar on JetBlue purchases, two points/dollar at restaurants 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 get a 12 month, 0% introductory APR on balance transfers made within 45 days of account opening.

Thereafter, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 yearly fee for this card.

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

Reliable Low APR/Balance Transfers New Business Credit Cards with EIN

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 on the Prime Rate.

Details

You can get 5% cash back at different places each quarter. So, these are places like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. In addition, automatically get unlimited 1% cash back on all other purchases.

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

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

Exceptional New Business Credit Cards with EIN and No Annual Fee

Uber Visa Card

Check out the Uber Visa Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card provides 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases.

So, this includes retailers and subscription services such as Uber and Netflix. And 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 a minimum of $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 per year are eligible to receive a $50 credit toward online subscription services.

Details

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

Cardholders are eligible for exclusive access to certain events and offers. Uber expects the majority of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. 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, accumulate a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll need to fill your gas tank somehow. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual 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

Consider the Ink Business Cash ℠ Credit Card. Small businesses can get cash back with each purchase. Spend $3,000 in the first three months from account opening. And you’ll earn a $500 bonus cash back.

There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. Thereafter, the APR is a 15.24 – 21.24% variable.

The credit 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.

Earn 2 miles/dollar with United and at restaurants, gas stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the first three months from account opening.

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.

Plus, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business

Starwood Preferred Guest® Business Credit Card from American Express

Another alternative is the Starwood Preferred Guest Business Credit Card from American Express.

This credit card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Earn six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And earn four points per dollar at American restaurants, American filling stations, and on American 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 initial 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 yearly fee. There is a $0 introductory annual fee for the first year, then it’s $95 thereafter. 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

Credit Builder New Business Credit Cards with EIN – Make Your Credit Surge!

Discover it® Student Cash Back

Be sure to look at the Discover it® Student Cash Back card. It has no annual fee. The credit 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 distinct feature is that it offers an incentive for scholars to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit annually for up to five years.

Details

Use this credit card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will be important. And this card offers an excellent way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is 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

Terrific Cards for Cash Back

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases. So this is for the initial 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 numerous 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 phone services. So, these must be purchased from United States service providers. But this pertains to the initial $50,000 of yearly spending. Then, you get 1% cash back.

You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of yearly spending. Then, you earn 1% cash back.

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

Note: you cannot use this credit card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it kicks in if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Capital One® Quicksilver® Card

Check out 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. So it’s for those who make at 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/

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

Unbeatable New Business Credit Cards with EIN for Jackpot Rewards

Chase Sapphire Preferred® Card

So have a look at the Chase Sapphire Preferred® Card for travel points.

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

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

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

Ink Business Preferred ℠ Credit Card

Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.

This is a Visa card.

Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.

Details

Earn 80,000 bonus points when you spend $5,000 in the initial 3 months from account opening. There is an annual fee of $95. You can add employee 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

Hilton Honors American Express Ascend Card

Have a look at the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Get 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 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. Earn 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.

If you spend $40,000 on eligible purchases with the card in a calendar year, you can earn Hilton Honors Diamond status. So that is through the end of the next calendar year. This status includes all the benefits of Gold status.

It also includes a 50% bonus on base points earned with Hilton Honors. And exclusive floor lounge access at select properties. But that is terribly 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/

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 earns 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 earn 50,000 bonus points when you spend $10,000. And earn 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. Furthermore, all these benefits do not come cheap. Note: the card has an annual fee of $450!

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex

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 first 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 offers a fee credit for Global Entry or TSA Precheck, early check-in and late checkout. And it offers 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 credit 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 for each authorized user. Another point to consider should be that the card has a 17.99 – 24.99% variable APR.

So, consider this one carefully and make sure to read the small print.

Get it here: https://www.chase.com/card-benefits/sapphirereserve/travel

IHG ® Rewards Club Premier Credit Card

Check out the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For each dollar spent at participating IHG hotels, earn 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants.

Plus all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card provides a free one-night hotel stay annually. Plus, there is a wide array of benefits. These include 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 annual fee is $89.

Get it here: https://creditcards.chase.com/a1/ihg/premiernaep

Marriott Rewards® Premier Plus Credit Card

This 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 initial three months from account opening. Then earn two free night awards (each has a value of up to 35,000 points).

Cardholders get access to perks including a free one-night stay each year 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. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

Spend $35,000 each account year, and get an upgrade 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. So the APR is a 17.99– 24.99% variable.

Get it here: https://creditcards.chase.com/marriott/apply

The Best New Business Credit Cards with EIN for You

Your absolute best new business credit cards with EIN will hinge on your credit history and scores.

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

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

The post Take Charge With New Business Credit Cards With EIN appeared first on Credit Suite.

This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit

Many business owners don’t realize that there is even a question of how to build good business credit?  They think that business credit works similar to personal credit. Since business personal credit builds passively by simply with handling credit wisely, they think business credit does the same.  That isn’t the case however. The answer to “How to build good business credit?”can be summed up in one word, intentionally. You must make it a point to build business credit. You have to make it happen. 

How to Build Good Business Credit: Fill Your Cornucopia with Business Accounts

In traditional Thanksgiving Day pictures, you see the ever overflowing horn of plenty known as the cornucopia.  There are breads, fruits, vegetables and nuts pouring out of the horn shaped basket. If you are a business owner, you need two cornucopias.  One is for your business credit, and one is for your personal credit. While you want them both overflowing with healthy accounts, what happens with many is that the business credit one is empty or non-existent.  They think it is there and full, while in reality all the accounts they think are hitting their business credit report are actually hitting their personal report. 

Why Do you Need Two Cornucopias? Does Business Credit Even Matter? 

If you’re wondering why it is important to know how to build good business credit, here is your answer.  The business credit cornucopia can hold more. Let me explain. If you try to run a business with only what is in your personal credit cornucopia, you will not have enough. You will need more than what it can hold. 

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

Here is what that looks like in real life.  Your personal credit cards are going to have lower limits than what business credit cards have.  Business expenses are, by nature, a lot higher than personal expenses. Therefore, if you try to put business and personal expenses on the same credit cards, you are going to overrun your limits.  

Even if you make your payments on time, or even pay off your balances each month, you are likely going to keep hovering near your limits.  Not only does this reduce the funding you have available, but it can also have a negative impact on your personal credit score. Here’s how.  The closer your balances are to your limit, the higher your debt-to-credit ratio is. A high debt-to-credit ratio has a negative impact on your credit score. 

So, this means you need to ask how to build good business credit for two reasons.  First, you may not have enough credit availability to run your business successfully without it.  Second, if you do not build business credit, you could end up ruining your personal credit. Consequently, not only would your business success be in question, but you could lose the ability to do things like buy a house or a car. 

Where Does that Second Cornucopia Come From?

Here is what most business owners do not understand.  You have to intentionally go out and get that separate business cornucopia.  If you don’t, then any business accounts you open will just go straight to your personal credit cornucopia and wreak the havoc mentioned above. So, how do you do that?  How do you establish business credit in the first place so that business accounts report to that, and not to your personal credit? The key is to make your business appear to lenders as a fundable entity, separate from yourself as the owner. 

how to build good business credit Credit Suite

How to Build Good Business Credit: Establishing Fundability

The first thing you need to know is, it is easiest to do this as you are establishing your business.  If you are a new business owner just getting started, then set your business up this way on the front end so that you can begin building business credit now. If, however, you are already up and running, it isn’t too late.  You may have to do some backtracking, but it will be so worth it. Either way, this is what has to be done. This is the first part of the answer to the question of how to build business credit. 

Separate Name and Contact Information

This is an essential first step to weaving a separate business credit cornucopia.  Of course, most businesses do not have the exact same name as their owners. The key is, you have to list the business in the business directories under that business name.  In addition, it needs to be listed with its own address and phone number. 

A question often asked about this is, how do you get a separate business phone number and address if you run your business out of your home or online.  Actually, there are several options now for a business telephone number that do not even require you to have a second phone. You can just have your business number forwarded to your personal line. 

As for an address, there are a number of virtual office companies that offer a physical mailing address to businesses for just this purpose.  Typically, they also offer a number of other useful services such as meeting spaces and live receptionist services. 

Get and EIN

When you apply for credit, they always ask for you Social Security Number, or SSN.  If you are applying for credit in your business name, you shouldn’t use your SSN. If you do, that account will automatically relate to your personal credit.  The way around this is to get your business an EIN.  They are free on the IRS website.  You may still need to use your SSN for identification purposes when applying for credit under new fraud regulations, but that needs to be the only reason you use it. 

You Must Incorporate

This isn’t an option.  While it is much easier and cheaper to operate as a sole proprietorship or partnership, you cannot get the separation needed if you do not formally incorporate.  Whether you choose an S-corp, LLC, or corporations will depend on your other needs and budget. Any of them will work for establishing fundability. Still, you must choose one. 

Get a Business Bank Account

When building fundability, you need to have a separate business bank account.  This serves a number of purposes. First, separate from building fundability, this helps you keep your business and personal expenses separate.  That will be a tremendous help come tax time. 

Secondly, some business credit cards want to see a business bank account with a minimum average balance before they will approve credit.  Lastly, it helps lend credibility to the fact that your business is a fundable entity on its own, apart from the owner.

Professional Website and Dedicated Email 

In today’s business world, if you do not have an online presence you do not exist.  Having a poorly executed online presence is just as bad. You need a professionally built, working website.  Pay for design and hosting. The free services are not going to be good enough to help you out here. In addition, you need a dedicated business email address with the same URL as your website.  Free email platforms such as Yahoo and Gmail do not look professional.

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

Get a D-U-N-S Number

There are several business credit reporting agencies, or CRAs.  The 3 most commonly used are Dun & Bradstreet, Experian, and Equifax.  Of those three, Dun & Bradstreet is definitely the largest and most commonly used.  Before you can have a credit profile with them, you must have a D-U-N-S number.  This is how they identify your business.  

If you do not have a D-U-N-S number, you will not have a credit profile with Dun & Bradstreet, so you definitely need the number.  That’s all you need though. They will try to upsell you on other services, but stay strong and resist. You just need the number, and it’s free. 

How to Build Good Business Credit: Fill the Cornucopia

Once you have your separate business credit cornucopia, it’s time to fill it with lots of yummy accounts to build your business credit big and strong.  That, again, takes intentionality. You cannot just go out and start applying for credit in your business name. It won’t happen. Just as those that celebrated the first Thanksgiving Day had to actively work to provide the food for the feast, so you will have to actively build business credit. To do this, you have to work through the business credit tiers.  

Starting at the bottom tier, you build enough accounts and business credit to move up to the next tier, until you reach the top.  Here is a little more about each tier and what it takes to move on to the next. 

How to Build Good Business Credit Using The Vendor Credit Tier

This is the first tier on your journey to fill your business credit report with accounts.  It consists of starter vendors. These are vendors that will offer your business net terms on invoices without first checking your credit.  Then, when you pay, they will report those payments to the CRAs. This is the second part of the answer to how to build good business credit.  In this way, you can begin to build credit without having credit. 

They will look at other information however.  Some like to see a certain amount of time in business.  Some will want you to place an initial order, or more than one, before they will extend net terms.  Others will want to see a business bank account with a minimum balance. Another thing they sometimes look at is a listing in the business directories.  Starter vendors may require any combinations of these things. Find out more about some of the most common starter vendors here. 

How to Build Good Business Credit With The Retail Credit Tier

After you have 8 or 10 accounts from the vendor credit tier reporting positive payment information to the CRAs, you can apply for credit in the retail credit tier.  These are those cards that you can only use at the specific retail store that issues them. For example, Office Depot cards that you can only use at office depot are in this tier.. 

How to Build Good Business Credit: Continuing to The Fleet Credit Tier

After you have enough accounts reporting from the retail credit tier, you can apply for cards in the fleet credit tier.  These are cards that you can only use for fuel costs and automobile repair and maintenance. Fuelman and Shell are examples of companies that issue cards in this tier. 

How to Build Good Business Credit: Finishing with The Cash Credit Tier

This is the top credit tier.  It’s the goal. Once you have enough accounts reporting from the fleet credit tier you can apply for cards in this tier.  It consists of the standard Mastercard, Visa, Discover, and American Express cards that are not limited to a specific store or type of expense.  

How to Build Good Business Credit: Don’t Let Things Start Falling Out

Even though the overflowing cornucopia makes for a pretty Thanksgiving Day picture, you don’t really want the same effect with your business credit.  If you do not handle the credit you have properly, you’ll start losing control. Be sure to pay accounts on-time. Remember, don’t buy things you cannot afford just to build business credit.  You will end up with the opposite of what you want. Also, be sure you keep an eye on things. You wouldn’t want a bug eating up all that good food in your horn of plenty right? 

Monitor your business credit regularly to ensure there are no mistakes and that everything is up to date.  We can help you with that here.

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

How to Build Good Business Credit: May Your Cornucopia Be Full

I think it’s clear at this point.  It takes more than just paying your bills on time to build business credit.  Unlike your personal credit score, your business credit score does not appear passively.  You have to work to intentionally build it. It isn’t a hard process, but it is a process. You have to trust the process and act responsibly.  Now that you know how to build good business credit, it’s time to get started.

 

The post This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit appeared first on Credit Suite.

This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit

Many business owners don’t realize that there is even a question of how to build good business credit?  They think that business credit works similar to personal credit. Since business personal credit builds passively by simply with handling credit wisely, they think business credit does the same.  That isn’t the case however. The answer to … Continue reading This Thanksgiving Day, Turn Things Around by Learning How to Build Good Business Credit

Get Amazing Business Credit Cards With Rewards

Business Credit Cards With Rewards? They Can Be Yours! Get business credit cards with rewards now. We checked out a ton of business credit cards with rewards and did the research for you. So, here are our picks. Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer … Continue reading Get Amazing Business Credit Cards With Rewards

Get Amazing Business Credit Cards With Rewards

Business Credit Cards With Rewards? They Can Be Yours!

Get business credit cards with rewards now.

We checked out a ton of business credit cards with rewards and did the research for you. So, here are our picks.

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

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

And you will not need collateral, cash flow, or financial data to get small business credit.

Business Credit Cards With Rewards: Benefits

Perks can differ. So, make sure to pick the perk you like from this variety of options.

Unbeatable Business Credit Cards With Rewards

Ink Business Preferred ℠ Credit Card

So check this out when you’re looking at business credit cards with rewards. 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 credit 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 credit 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

Terrific Business Credit Cards For Cash Back

SimplyCash Plus Business Credit Card from American Express

Take a look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases So this is for the initial 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 card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, get 5% cash back at US office supply stores and on wireless telephone services. So, these must be bought from United States providers. But this pertains to the initial $50,000 of annual spending. Then, you earn 1% cash back.

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

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

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it 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

Make sure to check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 annual fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that.

A cash bonus of $150 is on offer for those who make a minimum of $500 in purchases in 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 credit 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 cards cash back Credit Suite

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

Small Business Credit Cards with 0% APR – Pay Absolutely Nothing! A Terrific Alternative to Business Credit Cards With Rewards

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 yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel through the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can get unlimited points and points 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 additionally get trip cancellation coverage, trip delay reimbursement and other perks.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

JetBlue Plus Card

Consider the JetBlue Plus Card for yet another offer of a 0% introductory APR

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

Details

Spend $1,000 in the initial 90 days and pay the annual fee, and earn 40,000 bonus points. New cardholders receive a 12 month, 0% initial APR on balance transfers made in 45 days of account opening.

Afterwards, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 annual fee for this card.

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

Remarkable Business Credit Cards with No Annual Fee – a Great Complement to Business Credit Cards With Rewards

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 earn 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly in the app.

By spending a minimum of $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $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, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to certain events and offers. Uber anticipates the majority of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. 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, accumulate at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll want to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Get 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable.

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

Details

Earn extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Get 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 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.

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 option 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. Get six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

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

Also, get four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.

Details

Earn 75,000 bonus points when you spend $3,000 in the first three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The biggest issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 after that. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card

Reliable Low APR/Balance Transfers Business Credit Cards

Discover it® Cash Back

Look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.

Details

You can earn 5% cash back at different places each 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 earn 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

Credit Builder Company Credit Cards – Make Your Credit Surge!

Discover it® Student Cash Back

Make sure to look at the Discover it® Student Cash Back card. It has no yearly fee. The credit 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 one-of-a-kind feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or better each school year, the card will award the $20 statement credit every year for up to five years.

Details

Use this credit card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will be vital. And this card offers an excellent way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And although 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

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 gets 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 KEEP 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/

business credit cards cash back Credit Suite

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. So, 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 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/

biz credit cards Credit Suite

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

IHG ® Rewards Club Premier Credit Card

Consider the IHG ® Rewards Club Premier Credit Card. it earns hotel rewards worldwide. For each dollar spent at participating IHG hotels, get 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants.

And all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card provides a free one-night hotel stay annually. 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 biggest 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 annual 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 get two free night awards (each worth up to 35,000 points).

Cardholders get access to perks including a free one-night stay yearly 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. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

Spend $35,000 each account year, and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.

So 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

Ironclad Secured Credit Cards

Wells Fargo Business Secured Credit Card

Look at the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per credit card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is meant to help cardholders develop or rebuild their credit.

Pick this card if you wish to get 1.5% per dollar in purchases with no limits or get one point for every dollar in purchases. You also earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

Also, you get free FICO scores every month. There are no foreign transaction fees. So it is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a credit card for balance transfers.

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

The Perfect Business Credit Cards With Rewards for You

Your outright best business credit cards with rewards will 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 disastrous for other people.

So, as always, be sure to develop credit in the recommended order for the best, quickest benefits.

The post Get Amazing Business Credit Cards With Rewards appeared first on Credit Suite.

Financial Debt Or Credit Consolidation Could Be The Answer

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.

Get Business Credit Cards Cash Back Today!

Business Credit Cards Cash Back? They Can Be Yours!

Get business credit cards cash back now.

The Very Best Credit Cards Cash Back

We checked out a ton of company credit cards and did the research for you. So, here are our picks.

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

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

And you will not need collateral, cash flow, or financial data to get small business credit.

Business Credit Cards Cash Back: Benefits

Perks can differ. So, make sure to pick the perk you like from this variety of options.

Terrific Business Credit Cards 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 yearly fee. And there is a 0% APR on purchases So this is for the initial 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. We like this one. It’s a great example of business credit cards cash back.

Details

So this card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, get 5% cash back at US office supply stores and on wireless telephone services. So, these must be bought from United States providers. But this pertains to the initial $50,000 of annual spending. Then, you earn 1% cash back.

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

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

Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it 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

Look at the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards that cardholders can earn. Also, the card has a $0 annual fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that.

A cash bonus of $150 is on offer for those who make a minimum of $500 in purchases in 3 months of account opening. So this one is another terrific example of business credit cards cash back.

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 credit 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/

Small Business Credit Cards with 0% APR – Pay Absolutely Nothing!

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no yearly fee. And it comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel through the Bank of America Travel Center. And 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 additionally get trip cancellation coverage, trip delay reimbursement and other perks.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

JetBlue Plus Card

Consider the JetBlue Plus Card for yet another offer of a 0% introductory APR

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

Details

Spend $1,000 in the initial 90 days and pay the annual fee, and earn 40,000 bonus points. New cardholders receive a 12 month, 0% initial APR on balance transfers made in 45 days of account opening.

Afterwards, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 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 earn 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly in the app.

By spending a minimum of $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $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, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to certain events and offers. Uber anticipates the majority of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. 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, accumulate at least 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll want to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Get 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable.

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

Details

Earn extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Get 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 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.

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 option 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. Get six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

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

Also, get four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, get two points per dollar.

Details

Earn 75,000 bonus points when you spend $3,000 in the first three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The biggest issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 after that. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card

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 gets 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 KEEP 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/

biz credit card rewards Credit Suite

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 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 outrageous yearly 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 gets 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 earn 50,000 bonus points when you spend $10,000. And earn 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 like gas, office supplies or advertising. Furthermore, all these benefits do not come cheap. Note: the card has a yearly fee of $450!

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex

business credit cards with rewards Credit Suite

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

Chase Sapphire Reserve®

For travel points, have a look at the Chase Sapphire Reserve® card. You can earn 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 biggest issues are the yearly fee of $450 and $75 for each authorized user. Another factor to consider should be that the card has a 17.99 – 24.99% variable APR.

So, think about this one carefully and make sure to read the fine print.

Get it here: https://www.chase.com/card-benefits/sapphirereserve/travel

IHG ® Rewards Club Premier Credit Card

Consider the IHG ® Rewards Club Premier Credit Card. it earns hotel rewards worldwide. For each dollar spent at participating IHG hotels, get 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants.

And all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card provides a free one-night hotel stay annually. 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 biggest 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 annual 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 get two free night awards (each worth up to 35,000 points).

Cardholders get access to perks including a free one-night stay yearly 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. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

Spend $35,000 each account year, and get an upgrade 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

Reliable Low APR/Balance Transfers Business Credit Cards

Discover it® Cash Back

Look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.

Details

You can earn 5% cash back at different places each 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 earn 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

Credit Builder Company Credit Cards – Make Your Credit Surge!

Discover it® Student Cash Back

Make sure to look at the Discover it® Student Cash Back card. It has no yearly fee. The credit 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 one-of-a-kind feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or better each school year, the card will award the $20 statement credit every year for up to five years. So the truth is, this is another stellar example of business credit cards cash back.

Details

Use this credit card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will be vital. And this card offers an excellent way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And although 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

cash back rewards Credit Suite

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

Ironclad Secured Credit Cards

Wells Fargo Business Secured Credit Card

Look at the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per credit card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000). And it is meant to help cardholders develop or rebuild their credit.

Pick this card if you wish to get 1.5% per dollar in purchases with no limits. Or you can get one point for every dollar in purchases. You also earn 1,000 bonus points. So they are 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. It depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a credit card for balance transfers.

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

Unbeatable Cards for Jackpot Rewards

Chase Sapphire Preferred® Card

Have a look at the Chase Sapphire Preferred® Card for travel points.

You can get two points to the dollar spent on travel and dining at restaurants. And you can earn 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 first 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. Then afterwards 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 credit 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 credit 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

Hilton Honors American Express Ascend Card

Check out at the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Get 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 there’s 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. Earn 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. So they also include travel accident insurance.

Spend $40,000 on eligible purchases with the card within a calendar year. Then you can earn Hilton Honors Diamond status through the end of the next calendar year. So this status includes all the benefits of Gold status.

It also includes a 50% bonus on base points earned with Hilton Honors. So it also exclusive floor lounge access at select properties. But that is extremely high spending required for elite status. So 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 Cards Cash Back for You

So your outright best business credit cards cash back will 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 disastrous for other people.

So also, as always, be sure to develop credit in the recommended order. Do so for the best, quickest benefits.

The post Get Business Credit Cards Cash Back Today! appeared first on Credit Suite.