Leveraging the Use of Content for Your Personal Brand

It can be great to use the content for your personal brand, and after all, we are all content machines. To make this post less one-sided, let’s do an exercise together: When was the last … The post Leveraging the Use of Content for Your Personal Brand appeared first on Paper.li blog.

Leveraging the Use of Content for Your Personal Brand

It can be great to use the content for your personal brand, and after all, we are all content machines. To make this post less one-sided, let’s do an exercise together: When was the last …

The post Leveraging the Use of Content for Your Personal Brand appeared first on Paper.li blog.

Stock Exchange Trading Tip – Personal Balanced Stock Portfolios Defend Against Recession

Stock Exchange Trading Tip – Personal Balanced Stock Portfolios Guard Against Recession

Producing an uniformly well balanced financial investment profile by separating properties amongst such varied courses as supplies both residential and also international, bonds, common funds, realty, cash money matchings, as well as exclusive equity can assist defend against economic downturns. Figuring out just how much to buy each property team relies on the financier’s specific scenario as well as future demands.

There have actually been times when supplies are unpleasant contrasted to various other possessions. The careful financier might have weathered this circumstance by expanding supply financial investments right into actual estate financial investments or various other kinds confirmed to be much less dangerous.

Making significant modifications in one’s profile need to be done at different phases in the financier’s life. This capitalist’s profile would certainly be primarily spent in the riskier possessions such as meticulously investigated residential as well as international supplies.

As retired life techniques, possibly 10 years in the past, the financier needs to begin expanding holdings right into income-oriented possessions. Specific blue chip supplies with lengthy, tried and tested track documents of reward settlements can likewise be consisted of as an income-oriented property. Annual, as retired life methods, a bigger percent of the capitalist’s profile need to be income-oriented till that total amount is 100% at retired life.

There have actually been times when supplies are unsightly contrasted to various other possessions. The cautious capitalist might have weathered this scenario by branching out supply financial investments right into genuine estate financial investments or various other kinds shown to be much less dangerous.

Specific blue chip supplies with lengthy, tried and tested track documents of returns repayments can additionally be consisted of as an income-oriented property.

The post Stock Exchange Trading Tip – Personal Balanced Stock Portfolios Defend Against Recession appeared first on ROI Credit Builders.

Business Credit Cards Bad Personal Credit

Are you looking for business credit cards bad personal credit?

The Absolute Best Business Credit Cards Bad Personal Credit

We researched a ton of company credit cards for you. So, here are our picks.

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

This reveals you can get a lot more cash with small business credit. And it also means you can have personal credit cards at retail stores. 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.

Business Credit Cards Bad Personal Credit: Benefits

Benefits vary. So, make certain to select the benefit you like from this choice of options.

Get a Business Credit Cards Bad Personal 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 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 REMEMBER: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus. In addition, this card reports monthly to personal credit. It does report to business credit as well, but they generally require a personal credit check and will always report to personal credit.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Get Secured Business Credit Cards Bad Personal Credit

Wells Fargo Business Secured Credit Card

Look at the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per 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 earn 1.5% per dollar in purchases without any 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. 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/

Credit Builder Company 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 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 special feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or better each school year, the card will award the $20 statement credit each year for up to five years.

Details

Use this card to build personal credit. While this is a personal credit card versus a company credit card, for new credit users, their FICO scores will be vital. And this card provides an outstanding way to raise FICO while also getting rewards. Better personal credit can also, often, be the key to unlocking online lending.

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 credit card offers unlimited 1% cash back on all purchases.

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

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

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

Business Credit Cards Bad Personal Credit 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 annual fee and comes with a 0% introductory APR on purchases for the first nine months. Thereafter, the card has a 13.24 – 23.24% variable APR

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

Details

There is a 25,000-point sign-up bonus when you spend $1,000 within the initial 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 one more offer of a 0% introductory APR

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

Details

Spend $1,000 in the initial 90 days and pay the annual fee. So, then you can earn 40,000 bonus points. New cardholders receive 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/

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

Business Credit Cards Bad Personal Credit 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 provides 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, get 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 at least $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 cellular 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 most of these offers to 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. So, 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 need to fill your gas tank someway. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

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

So, 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 offered 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. Companies can earn cash back with every single purchase. Spend $3,000 in the initial 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. Afterwards, the APR is a 15.24 – 21.24% variable.

The credit card comes with 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 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, 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. Additionally, 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 choice 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 US 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, get 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 annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 afterwards. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

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

Business Credit Cards Bad Personal Credit for Low APR/Balance Transfers

Discover it® Cash Back

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

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

Details

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

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

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

Business Credit Cards Bad Personal Credit 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 ends, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

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

Also, earn 5% cash back at US office supply stores and on wireless telephone services. So, these must be purchased from American service 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 yearly spending. Then, you get 1% cash back.

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

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

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

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

Capital One® Quicksilver® Card

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 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 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/

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

Business Credit Cards Bad Personal Credit for Jackpot Rewards

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

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 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

Small Business Credit Cards for Luxurious Travel Points

IHG ® Rewards Club Premier Credit Card

Check out 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.

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

Details

This card provides a free one-night hotel stay each year. Plus, there is a wide array of benefits. They include travel and purchase coverage. And get 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 have a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the yearly fee is $89.

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

Marriott Rewards® Premier Plus Credit Card

This 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 you can get two free night awards. These are each worth up to 35,000 points.

Cardholders get access to perks including a free one-night stay annually after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.

Details

Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. And also, 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

The Best Business Credit Cards Bad Personal Credit for You

Your outright best business credit cards bad personal credit will hinge on your credit history and scores.

Only you can select which features you want and need. So, be sure to do your homework. What is excellent for you could be disastrous for others.

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

The post Business Credit Cards Bad Personal Credit appeared first on Credit Suite.

Personal marketing tools for passionate people: Paper.li 2.0

Paper.li is on a mission to enable millions of passionate people with the personal marketing tools they need to build their brands. Isn’t it time you invested in yourself? Approaching our 10 year mark of …

The post Personal marketing tools for passionate people: Paper.li 2.0 appeared first on Paper.li blog.

Business Credit Cards With Bad Personal Credit? They’re Not Out of Reach

Can You Get Business Credit Cards With Bad Personal Credit? We Show You How!

Is it possible to get business credit cards with bad personal credit? You better believe it is!

We looked at a lot of business credit cards with bad personal credit, and did the research for you. So, here are our favorites.

Per the SBA, small business credit card limits are a whopping 10 ؘ– 100 times that of personal 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 stores. So, you would now have an extra card at the same retail stores for your company.

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

Business Credit Cards With Bad Personal Credit: Benefits

Benefits can vary. So, make certain to select the perk you would prefer from this variety of alternatives.

Secure Business Credit Cards With Bad Personal Credit 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.

But REMEMBER: 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/

Credit Builder Company 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 annual fee. The credit 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 provides an incentive for students 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 business card, for new credit users, their FICO scores will be important. And this card provides an excellent way to raise FICO while also getting rewards.

You can earn 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 credit 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 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

Ironclad Secured Credit Cards

Wells Fargo Business Secured Credit Card

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

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/

Reliable Low APR/Balance Transfers Business Credit Cards With Bad Personal Credit

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 on the Prime Rate.

Details

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

You will earn 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

Small Business Credit Cards With Bad Personal Credit 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 annual 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 earn unlimited points and points never expire.

Details

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

They likewise get trip cancellation coverage, trip delay reimbursement and other advantages.

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

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

JetBlue Plus Card

Check out 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 yearly fee, and get 40,000 bonus points. New cardholders receive a 12 month, 0% introductory APR on balance transfers made in 45 days of account opening.

After that, 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 yearly fee for this card.

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

Outstanding Business Credit Cards With Bad Personal Credit 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 provides 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 like Uber and Netflix. And get 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly in the app.

By spending at least $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending a minimum of $5,000 annually 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 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 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, earn 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

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

Also, there is no sign-up bonus offered 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

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

Ink Business Cash℠ Credit Card

Consider the Ink Business Cash ℠ Credit Card. Businesses can get cash back with every single 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. 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 extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

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

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

United MileagePlus Explorer Business Card

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

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

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 American restaurants, US filling stations, and on US purchases for shipping.

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

Details

The most significant 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

Terrific Business Credit Cards With Bad Personal Credit for Cash Back

SimplyCash Plus Business Credit Card from American Express

Look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual fee. And there is a 0% APR on purchases So this is for the initial 15 months an account is open.

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

Details

This credit card has various 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 American service providers. But this pertains to the initial $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 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

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. And after that they have a 14.74 – 24.74% (variable) APR after that.

A cash bonus of $150 is on offer for those who make at 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 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/

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

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 per 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. 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

This is a Visa credit card.

Details

Earn 80,000 bonus points when you spend $5,000 in the first 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

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

Small Business Credit Cards With Bad Personal Credit 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 get 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.

So 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. So the APR is 18.74% (variable).

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

IHG ® Rewards Club Premier Credit Card

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 each year. Plus, there is a wide array 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 yearly fee is $89.

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

Marriott Rewards® Premier Plus Credit Card

This credit card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases.

Spend $3,000 in the initial three months from account opening and get two free night awards (each valued 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. Plus, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

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

There is an annual fee of $95. The APR is a 17.99– 24.99% variable.

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

The Perfect Business Credit Cards With Bad Personal Credit for You

Your absolute best business credit cards with bad personal credit will always hinge on your credit history and scores.

Only you can choose which features you want and need. So, make sure to do your homework. What is excellent for you could be catastrophic for another person.

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

The post Business Credit Cards With Bad Personal Credit? They’re Not Out of Reach appeared first on Credit Suite.

How to Get Business Credit Cards No Personal Guarantee

Business credit cards, no personal guarantee, are an actual thing. Not aren’t for everyone though. We are going to tell you who can get them, and what to do if you can’t.

Decoding the Secret of Business Credit Cards, No Personal Guarantee Needed

It sounds like an ancient myth doesn’t it? The idea that you can get business credit cards, no personal guarantee necessary? The truth is, unlike the fountain of youth and the lost city of gold, these creatures do exist. They are rare however, and it takes a seasoned business explorer to land one. What does it take to capture the rare beasts that are business credit cards no personal guarantee? What kind of businesses are they meant for? How can you get one? We answer all of these questions and more.

Why Are Business Credit Cards No Personal Guarantee So Rare?

The reason why these cards are so rare is that a lack of personal guarantee is risky to the lender. Typically, a business needs to have $1 million to $4 million in revenue annually to qualify. In addition, there is a minimum annual charging requirement for most of these cards of $250,000 to $1 million. Many also require there to be at least 15 cardholders. If you are a new, smaller business such as one just starting to grow out of your home, you will not qualify.

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

Even if you do meet these qualifications, there are not a ton of options for business credit cards no personal guarantee. One reason for this is that virtually all lenders consider the finances of the business and it’s owners to be tightly interwoven. They aren’t necessarily wrong either. According to the SBA:

8% of start-ups use personal credit cards for financing, versus just 2% using business credit cards.
One-third of businesses fail within two years, and half don’t make it five years.
Personal savings are the top source of start-up capital, used by nearly 6 in 10 companies.

The issue then becomes one of trust and stability, creditworthiness if you will, between the card issuer and the business. The credit card company just wants to get paid. If they can have a personal guarantee, they feel some level of security. How can a business accomplish the level of creditworthiness necessary to get business credit cards, no personal guarantee needed?

Develop a Relationship, or Use One You Already Have

If you are already with a bank that offers a credit card and you have handled your business with them well, you may be able to negotiate for business credit cards, no personal guarantee. This could be true even if you do not meet the standard qualifications typical for this type of card.

It’s not a given, but if your relationship is long and proves extreme creditworthiness with no overdrawn accounts or late payments, you have a chance. The bank just has to be able to see that they can trust you.

Wait Until You Meet the Revenue and Size Banks Want

Those businesses that meet the revenue and size requirements are not guaranteed to get business credit cards no personal guarantee, but they certainly have a better shot than those that do not. Another thing that can help is having several years in business. If you beat the odds and stay in business 5 years or more, your chances are even better.

The thing is, these cards are most often are from specific stores. You can usually use them only at those stores. That means that even if you are able to get business credit cards no personal guarantee, your spending options may be severely limited.

Regardless, these types of cards are few and far between. However, they do exist.

Here are a Few Business Credit Cards, No Personal Guarantee

We list a few of the ones that are out there, what they offer, and what they require for approval below.

Brex Corporate Card

This card is a stand out. It isn’t connected to a specific retailer so it is much more flexible than other business credit cards no personal guarantee. In addition, you can earn rewards! Specifically, you can earn one point per dollar on purchases. You can also get credits and discounts on certain services .

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

One condition is that you have to pay the balance in full each month. It isn’t revolving credit in the traditional sense. You cannot carry a balance.

Even though they do not require a personal guarantee, Brex knows exactly what it is looking for in a cardholder. They want innovative businesses that use modern technology. In addition, they want to see a healthy business specific bank account. It is best if it maintains a balance of $100,000 or more.

The Brex Corporate Card has no annual fee. It also offers other reward levels based on the type of spending, in addition to the 1 point per dollar spent on regular purchases. These include:

7x points on taxis and ridesharing services
4x points on flights, AirBnbs, and hotels when you book with Brex
2x points on software purchases that are recurring

There is an introductory offer of 30,000 bonus points and card fees waived for life after approval. Other perks include credit for ZenDesk and Amazon Web Services. There are discounts on WeWork and Salesforce also.

In addition to a business bank account with $100,000 balance, they also want you to have an EIN.

Bremer Bank Visa Signature Business Company Card

The Bremer Bank Visa Signature Business Company Card is an actual business credit card, no personal guarantee necessary. It also has high income requirements and still prefers to work with medium to large businesses. If you are able to get one, you will enjoy no annual fee and a rewards program.

To qualify, you must have at least $1,000,000 in annual revenue and $350,000 in net annual income for the previous two years.

Shell Small Business Card

The Shell Small Business Card is only good at Shell gas stations, and it offers no rewards. The best thing about it other than it being one of the few business credit cards, no personal guarantee required, is that it can be a nice tool for employees on the road a lot. It offers options such as purchase limits and specific station limitations. There is no annual fee, but cardholders have to be associated with a government entity, nonprofit, or earn at least $1 million annually for the past 3 years.

Sam’s Club Business Mastercard

Surprisingly, the Sam’s Club Business Mastercard is one of the more flexible options for business credit cards no personal guarantee. You are not limited to using it only at Sam’s Club. In fact, you can use it anywhere they accept Mastercard. It also offers great rewards on gas, dining, and travel.

There is no annual fee, but you do have to have a Sam’s Club membership. Currently you get a $20 statement credit if you spend $50 or more at Sam’s Club the same day you open the card. Rewards include 5% cash back on gas up to $6,000 in a year. After that, you get 1%. There is also a 3% cash back on dining and travel rewards, and 1% on all other purchases.

To get this card, the business must make $5 million or more per year. It also must be in business for at least 2 years and have more than 10 employees for there to be no personal guarantee requirement.

Office Depot OfficeMax Business Credit Account

Similar to the Shell card mentioned above, the Office Depot OfficeMax Business Credit Account is not known for its flexibility. It is only good at Office Depot stores, officedepot.com, and OfficeMax. They do not offer rewards, but there is an introductory bonus. If you spend at least $150 in the first 60 days after opening the account you get a $50 statement credit.

To qualify for this card, your business must be at least three years old with over $5 million in sales annually.

A Personal Guarantee Does Not Mean a Hit on Your Personal Credit

It is important to remember that just because a credit card requires a personal guarantee, it doesn’t necessarily affect your personal credit. While strong business credit may not get you out of a personal guarantee, it can help protect your personal credit report.

Many cards will only do a soft pull on your personal credit, and then they will report your payment activity to your business credit. For this to happen however, you have to have established business credit. That doesn’t happen automatically.

What if You Do not Qualify for Business Credit Cards with No Personal Guarantee?

The truth is, if you are a small business, it is very unlikely you are going to qualify for small business credit cards no personal guarantee. This means that you are going to have some personal liability for your business debt. There are ways to protect yourself however, both when it comes to liability for business debts and personal credit.

For example, if you formally incorporate as a corporation, S-corp, or LLC, you will significantly increase your liability protection. As luck would have it, this is also something that you need to do to begin to establish business credit separate from your personal credit.

Another thing you need to do to establish business credit is get and EIN and set up a dedicated business bank account. Since most business credit cards like to see these things anyway, it’s a good idea to go ahead and get the ball rolling.

Other Steps to Building Separate Business Credit

In addition to formally incorporating, getting and EIN, and having a separate business bank account, there are a few more things you need to do to separate your business from yourself and begin to build credit for your business separate from your personal credit.

For example, your business needs contact information that is separate from your own. That means a business phone number and business address that are listed in the business directories. You also need a dedicated business email address, and it needs to have the same URL as your website. It can’t be from a free service like Yahoo or Gmail.

Speaking of a website, you definitely need one. These days, if you do not have a website you basically do not exist. However, it can’t be just thrown together. You need to have it professionally designed. Also, pay for hosting. Free hosting services look unprofessional.

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

Then, head over to the Dun & Bradstreet website and get yourself a D-U-N-S number. You have to have a D-U-N-S number to have a credit file with Dun & Bradstreet. Since they are the largest and most commonly used business credit reporting agency, you definitely need this number.

How Do You Get Accounts to Report to Your Business Credit?

Okay, so here is the secret that few know. It can seem virtually impossible to get credit accounts that will report to the business credit reporting agencies because, you have to have credit to get credit. However, if you set up your business correctly, like noted above, you can open tradelines with vendors in the vendor credit tier. These are starter vendors that will give you net terms on invoices without checking either credit report. Then, they will report your payments. If you apply with your business information, like your business phone number, address, and EIN instead of SSN, then they will be reporting to your business credit report.

When you get enough of these types of accounts reporting, you will be able to apply for cards in the retail credit tier. These are cards for stores Best Buy and Office Depot. Then, after enough of those are reporting, you will be able to apply for cards in the fleet credit tier. This includes cars like Fuelman and WEX. Finally, after you have enough accounts reporting positive payment history to your business credit report, you will have strong enough business credit to apply for card in the cash credit tier.

This are high limit, lower interest, awesome rewards cards that are not limited to specific retailers or types of expenses. While they may still require a personal guarantee, if you follow the steps outlined, they will not affect your personal credit.

Business Credit Cards, No Personal Guarantee: They Do Exist, but They are Few and Far Between

Business credit cards, no personal guarantee required, do exist. However, they are rare, and they are not easy to get. Realistically, it isn’t feasible for a small business to make finding these cards a goal. A more productive goal is to work to build strong business credit and to run your business on the merits of its own credit report.

The post How to Get Business Credit Cards No Personal Guarantee appeared first on Credit Suite.

Dex (YC S19) is hiring founding engineers to build delightful personal CRM

Article URL: https://angel.co/company/dex-8/jobs/635625-founding-engineer Comments URL: https://news.ycombinator.com/item?id=21414738 Points: 1 # Comments: 0

Dex (YC S19) is hiring founding engineers to build delightful personal CRM

Article URL: https://angel.co/company/dex-8/jobs/635625-founding-engineer Comments URL: https://news.ycombinator.com/item?id=21414738 Points: 1 # Comments: 0