Tag: Require

Tennessee bill would require defendants convicted of killing a parent to pay victims' children

Tennessee lawmakers proposed legislation that would require defendants convicted of certain violent crimes that killed a parent to pay the victim’s children until the children become adults.

SB2878/HB2960 is sponsored by Sen. Sara Kyle and Rep. G.A. Hardaway, both Democrats, in their respective chambers.

The legislation would create a new financial penalty for those convicted of first-degree murder, second-degree murder, voluntary manslaughter, vehicular homicide and aggravated vehicular homicide.

TENNESSEE GOVERNOR SIGNS LAW ALLOWING PUBLIC OFFICIALS TO DECLINE TO PERFORM MARRIAGES THEY DISAGREE WITH

If a defendant is convicted of one of those charges and their victim has children, they would be ordered to “pay restitution in the form of child maintenance to each of the victim’s children until each child reaches eighteen (18) years of age and has graduated from high school or the class of which the child is a member.”

The bill would take effect in July if it is approved.

California law will require judges to consider parents' stance on gender identity in custody battle

California approved a bill that instructs judicial courts in the state to consider, as one of its factors when making custody and visitation decisions, whether a parent affirms a child’s gender identify. Critics of the bill argue it will cause parents, who don’t support their kid’s desire to pursue gender-affirming surgery, to lose custody of their children. 

The California bill, AB-957, which passed in both houses of the state assembly on September 8, would consider parents’ “affirmation of the child’s gender identity or gender expression as part of the health, safety, and welfare of the child.” The bill awaits Governor Gavin Newsom’s, D-Calif., signature. 

Many parents are concerned this could mean that if they don’t accept their child’s use of puberty blockers, cross-sex hormones or surgery, they could face the prospect of losing custody of their children. 

“Affirmation includes a range of actions and will be unique for each child, but in every case must promote the child’s overall health and well-being,” the legislation states.

FEMINIST MEDICAL SCHOOL PROFESSOR SAYS TRANS KIDS IDENTIFYING AS ‘MINOTAURS’ ARE PART OF GENDER REVOLUTION’

In line with the intentionally vague language of the bill, the bill’s sponsor, California Assemblymember Lori Wilson, said “affirmation is left undefined to allow the greatest extent of judicial discretion.” 

There are no specifications in the bill about the age of a transgender-identifying child, how long they have identified as transgender or any recognition of the difference between the affirmation of a social transition in comparison to medical intervention. 

Wilson has made it clear that AB 957 adds a parent’s affirmation of their child’s gender identity as “one factor” that a judge must consider in a custody dispute. She has previously emphasized the bill’s focus on affirming a child’s choice of gender “whatever it is” adding it is “our duty as parents is to affirm our children.” 

“As you can imagine, there are plenty of things a parent can say that are protected by the First Amendment, but also can be considered in a custody dispute,” she said in a statement to Fox News Digital. 

Wilson blamed “online vitriol” over the bill on a “coordinated and sophisticated misinformation campaign that has been adequately fact-checked by the AP and others.” She said the focus of the bill is about “what is best for the child and there is a breadth of research that supports that affirmation of gender identity in the child’s best interest.”

WISCONSIN COUNTY CONSIDERS SANCTUARY STATUS FOR TRANSGENDER KIDS

In contrast, Protect Kids California spokesperson and recently elected school board member, Jonathan Zachreson, told Fox News Digital that California has established “very concerning” policies that lead children struggling with gender related issues towards a single path of lifelong medicalization. 

“AB 957 would be one more of those policies if signed by the governor,” he said. “Fortunately, Protect Kids California introduced an initiative to mitigate some of these harmful policies by prohibiting irreversible medical procedures that could possibly render someone sterile for anyone under 18.”

“We encourage everyone in the country to visit http://ProtectKidsCA.com to learn how they can help get this initiative on the November 2024 ballot,” he added.

Some new outlets, including the Associated Press, as mentioned by Wilson, have called out the “critics” of the bill, stating the legislation doesn’t use the word “surgery.” Although, some attorneys believe the vague language of the legislation is exactly what is harmful about it. 

Erin Friday, a California lawyer and mother to a daughter who transitioned and later detransistioned, told Fox News Digital that under this bill she would have lost custody of her daughter had it been in place when she was questioning her gender as she did not affirm her daughter in the transition. 

“Any parent who won’t affirm their child now, risks losing custody of their child,” Friday said. “California will be the first state to find parents abusive if they don’t agree to affirm their child’s gender identity, and we don’t even know what that means.” 

“957 is not limited to divorce situations, and this is what the author will tell you: it’s just a divorce, and it’s just one prong, and that is untrue,” she added. “Because the bill ties gender affirmation to three very important words and those are health, safety and welfare. Those words are magical words. They have a meaning in law, which the author doesn’t want you to know about.”

The California Family Code 3020 states it is public policy “to ensure that the health, safety, and welfare of children shall be the court’s primary concern in determining the best interests of children when making any orders regarding the physical or legal custody or visitation of children.”

Friday said “any” being the key word means “the judge must look at that in any custody claim, not just divorce.” In addition, “the penal code in California for abuse or neglect uses the words health and welfare,” she added. 

“They’re backdooring it,” Friday said. “They’re actually saying that the health, safety and welfare of all children is tied to affirmation and that’s how you get to where parents like me who did not affirm their child, could lose custody of their child.”

“Must they put them on puberty blockers?” she asked. “Must they cut their body parts off? Must they put them on cross-sex hormones, or must they just give them a haircut? What if the parents are religious and their religion says that they cannot affirm the child’s gender identity?”

“What happens when one parent is only willing to affirm by using a different name and the other parent is willing to cut the child’s gonads? Who wins?” she continued. “What happens if neither parent will affirm the gender identity? Who takes the kid?”

She said the vagueness of the legislation leaves parents wondering what “affirmation means,” but said the state is saying that in order to be a “good parent … You must affirm your child, otherwise you are undeserving of your children.”

MINNESOTA LEGISLATURE PASSES ‘TRANS REFUGE’ BILL OPPONENTS SAY WOULD STRIP CUSTODY FROM NON-CONSENTING PARENTS

Wilson introduced it the legislation alongside co-sponsor State Sen. Scott Wiener, who amended the bill to rewrite California’s standard of childcare under the California Family Code. Sen. Weiner has also advanced separate bills requiring foster parents to affirm the gender identities of children coming into their homes, as well as a bill that would make California a haven for LGBTQ children to obtain sex changes without parental consent. 

Conservative new outlet, The Daily Signal, warned that by changing the definition of what constitutes the “health, safety, and welfare of [a] child,” the bill would open parents, as well as other organizations like schools, churches and hospitals, who don’t affirm a child’s gender transition, to face charges of child abuse.

Friday described the bill as “frightening,” but said the law is unconstitutional and an abrogation of parental rights that will be challenged in court. 

Wilson said in a statement provided to Fox News Digital that she has consulted with judges and lawyers and feels “very confident” that there are no constitutional concerns with the bill. 

Wilson, who is the mother of a transgender son, said in a statement following the bill’s passage, which was forwarded to Fox News Digital, that she felt “extreme gratitude” to her colleagues for passing AB 957 “with such overwhelming and strong support.”

AB 957 is co-sponsored by the Women’s Foundation of California, Equality California, TransYouth Liberation, Los Angeles LGBT Center, TransFamily Support Services, Gender Justice Los Angeles, the EmpowerTHEM Collective and the California TGI Policy Alliance.

Equality California Executive Director Tony Hoang blamed other states in the U.S. for “attacking LGBTQ+ youth” which Los Angeles LGBT Center CEO Joe Hollendoner called “anti-trans legislation.”

“While states across the country are attacking LGBTQ+ youth, California continues leading the way to ensure that LGBTQ+ youth are protected, healthy, and can live their authentic life in an environment that accepts and supports them,” Hoang said. “Family acceptance of LGBTQ+ youth is strongly associated with positive childhood development, mental and physical health, and overall wellbeing.”

“Assemblymember Wilson’s AB 957 underscores familial acceptance as essential for transgender youth to live safely and proudly,” Hollendoner said. “As the tidal wave of anti-trans legislation continues to flood our country, it is especially vital for California to take a leading role in supporting the rights and dignities of our trans youth and their families.”

For more Culture, Media, Education, Opinion, and channel coverage, visit foxnews.com/media

7 SBA Loan Options That Don’t Require Luck

Why Should You Want an SBA Loan?

The Small Business Administration works with lenders to guarantee loans to small businesses. These SBA loan options are available to businesses that would not be able to get them otherwise, due to the government backing.

Due to the  SBA guarantee, lenders are able to offer lower rates and better terms than would otherwise be available. However, there is typically a lot more red tape, making the approval process longer than non-SBA loans.

Overview of Qualifications for SBA Loans

The SBA uses FICO SBSS (Small Business Scoring Service). Scores run 0 – 300, and you will typically not gain approval if score < 140.  Yet, a typical cutoff can be as high as 160. In addition, you will usually need to show some time in business, and if you have more than a 20% ownership, you will need to provide a personal guarantee.

sba loan options credit suite 3 hand on calculator with pen #1 SBA 7(a) Loans

To get a 7 (a) loan you’ll need to first demonstrate need for funds and have a sound business purpose in mind. You’ll also have to meet SBA size standards for a small business. Additionally, a business must do, or propose to do, business in the United States or its possessions. You also have to try to use other financial resources before applying, including personal assets.

#2 SBA CapLines

The SBA offers 4 CapLines, each designed for a different type of business.

  • Seasonal Line
    • Advances against anticipated inventory and accounts receivables
  • Contract Line
    • Finances direct labor and material cost of performing assignable contracts
  • Builders Line
    • For GCs or builders constructing or renovating commercial or residential buildings
  • Working Capital Line
    • Must have accounts receivable or inventory. Meant for short-term working capital or operating needs.

sba loan options credit suite 4 woman smiling and writing#3 SBA Express

This is a faster way to get a SBA loan options of up to $250,000. Typical rates are 2-4% above prime rate.

SBA lets banks charge up to 6.5% over their base rate, and loans over $25,000 require collateral.

#4 SBA 504 Loan Optionssba loan options credit suite 5 hand with pen marking checklist

These are often to buy land, equipment, or real estate. You can get a loan of up to $1,000,000, and the typical borrow contribution is 10% of equity.

The business must be a for profit operating in the United States or its territories. Same as a 7(a) loan, you  must try to use other financing before applying. Average net income must be less than $5 million after taxes for the last 2 years.  Also, you have to be able to repay the loan on time from projected operating cash flow.

sba loan options credit suite 6 small man on coin stack with multicolored arrows#5 SBA Microloan Program

These loans are for working capital and growth. As the term “microloan” indicates, they are for smaller amounts averaging from $10,000 to $13,000. However, you can get up to $50,000. These funds are made available through specially designated intermediary lenders. They are nonprofit community-based organizations with experience in lending, management, and technical assistance.

#6 Community Advantage Loan Optionssba loan options credit suite 7 two women looking at paperwork smiling

This program has been extended to 9/30/22. The goal is to promote economic growth in underserved areas and markets. It allows those that make credit decisions to overlook certain factors. So, things like poor credit or low revenue do not have as negative of an impact on approval. This is for businesses that have potential to stimulate the economy or create jobs in underserved areas.

sba loan options credit suite 8 block on computer keyboard with question mark on it#7 SBA Export Working Capital

This program provides financing for suppliers, inventory, or production of export goods during long payment cycles.  In addition, it allows for financing for stand-by letters of credit used as a bid for performance bonds or down payment guarantees.

SBA Loan Approval is Not Just Luck of the Draw

SBA loan approval is not subject to the luck of the draw. They have strict standards that you have to meet, but the required credit score is typically lower than non-SBA loan options, and the interest rates are usually lower. These benefits outweigh the longer application and approval process for many business owners.

The post 7 SBA Loan Options That Don’t Require Luck appeared first on Credit Suite.

Business Credit Card That Doesn’t Require Personal Guarantee

Are you looking for a business credit card that doesn’t require personal guarantee?

Get a Business Credit Card That Doesn’t Require a Personal Guarantee

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

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

This shows you can get a lot more funds with business credit. And it also shows you can have personal credit cards at retail stores. So, you would now have an additional card at the same shops for your small business.

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

Business Credit Card That Doesn’t Require a Personal Guarantee: Advantages

Benefits can differ. So, make certain to choose the benefit you would prefer from this choice of options.

Business Credit Card That Doesn’t Require a Personal Guarantee: 0% APR – Pay Nothing!

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

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee and 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 via 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 initial 60 days of starting the account. Cardholders get travel accident insurance, and lost luggage reimbursement. 

They additionally 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

Consider the JetBlue Plus Card for an additional offer of a 0% introductory APR

Earn 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 annual fee. So, then you can 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/  

Outstanding 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 get 2% back on online purchases. 

So, this includes retailers and subscription services such as 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 initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending a minimum of $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 expects 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 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 someway. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This credit 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.

So keep in mind: 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. Companies can get cash back with every 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 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 card comes with 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.

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

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

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. Additionally, 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 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. Get six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And get four points per dollar at American restaurants, American 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

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 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 

Get Business Credit Card That Doesn’t Require a Personal Guarantee 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. 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/ 

Business Credit Card That Doesn’t Require Personal Guarantee Credit Suite

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

Get a Business Credit Card That Doesn’t Require a Personal Guarantee for Luxurious Travel Points

IHG ® Rewards Club Premier Credit Card

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

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

Details

This card offers a free one-night hotel stay each year. Plus, there is a variety of benefits like travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.

The most significant issue is that the card does not offer a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the 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 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. Additionally, 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 

Get a Low APR/Balance Transfer Business Credit Card That Doesn’t Require a Personal Guarantee

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 get 5% cash back at different places every 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. Additionally, 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 

Get a Business Credit Card That Doesn’t Require a Personal Guarantee With a Credit Builder Option

Discover it® Student Cash Back

Make sure to have a 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 provides an incentive for students 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 annually. So, this is for up to five years.

Details

Use this 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 credit card offers an outstanding way to raise FICO. This is 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. So, that’s 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 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 

Get a Business Credit Card That Doesn’t Require a Personal Guarantee for Cash Back

SimplyCash Plus Business Credit Card from American Express

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

But when the introductory period 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 phone services. So, these must be bought from American service providers. But this applies 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 earn 1% cash back.

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

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

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

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

Capital One® Quicksilver® Card 

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

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. 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 least $500 in purchases within 3 months of account opening.

Details

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

This card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/ 

Business Credit Card That Doesn’t Require Personal Guarantee Credit Suite

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

Get a Secured Business Credit Card That Doesn’t Require a Personal Guarantee

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 set up or rebuild their credit.

Select this credit card if you wish to get 1.5% per dollar in purchases without any limits. Or earn 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/ 

Grab a Business Credit Card That Doesn’t Require a Personal Guarantee 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 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 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 

No PG Biz Credit Card Credit Suite

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

The Best Business Credit Card That Doesn’t Require a Personal Guarantee for You

Your absolute best business credit card that doesn’t require a personal guarantee 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 outstanding for you could be catastrophic for other people.

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

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