Author: Isabel Weaver

5 Business Credit Cards with Benefits That Will Surprise You

Get Business Credit Cards with Benefits – Check Out Some Unique Perks

There are business credit cards with benefits that go way beyond cash back or a low APR. Come and check out some truly unique perks.

Business Credit Cards with Benefits That Are Unique

Some business credit cards have unique benefits not fitting under any other categories, like low APR or cash back.

Some of these cards enroll you in some sort of unique benefits program. Still others may offer certain purchase discounts. And some of these aren’t quite available yet. Here’s our top 5 and a few honorable mentions.

Keep in Mind

Terms and rates are subject to change. In particular, many annual percentage rates tie to the Prime Rate. Banks and other credit providers sometimes add or drop features, or even credit cards. As always, the best source for all credit card information will be right on the provider’s website.

Business Credit Cards with Benefits Where You Can Buy Crypto: Honorable Mention – Gemini Credit Card from MasterCard (personal)

The Gemini credit card came about after Gemini’s recent acquisition of Blockrize. Blockrize already had a cryptocurrency credit card in the works. Buy crypto with this soon to arrive credit card, slated to be available in the summer of 2021.

With Gemini Earn, you can earn interest on your cryptocurrency. This compounds daily, up to 7.4% annual percentage yield. Until the card is issued, it will be hard to assess who it would be best for. Although backing from MasterCard is good news.

Unique Benefit Credit Cards: Honorable Mention – Mercury Bank MasterCard (personal)

Mercury is an angel-funded bank serving startups. Pay a $0 or $79 annual fee. Transfer APR is $5 or 4% of amount of each transfer, whichever is more. There are cashback rewards for the Mercury Bank MasterCard, but they are not specified on the bank’s website. Pay 26.99-29.99% APR. This is a good card for startups but the interest rates are high, so be sure you can pay on time before you start charging.

Business Credit Cards with Benefits Where You Can Get Amazon Discounts: #5 – Amazon Prime Store Card

If your business shops at Amazon often, then this could be the card for you. You get a $60 Amazon gift card upon the approval of your application. Get 5% cashback on Amazon purchases. And you pay no annual fee. However, limits for the Amazon Prime store card seem to be low. There are reviews of this card on the Amazon website and you should check them before applying.

Business Credit Cards with Benefits for Veterans and Active Armed Forces: #4 – Navy Federal GO BIZ™ Rewards Card

This Navy Federal business credit card is available as either a MasterCard or Visa. Benefits differ depending on which card type you choose. Get 1 point for each dollar spent but rewards depend on if you have a Visa or MasterCard. With a Navy Federal Visa, you get access to Visa SavingsEdge. With a MasterCard, you get a collision damage waiver.

Pay no foreign transaction fees. There is no earnings cap and there is no annual fee. Pay an APR as low as Prime+ 5.90%.

Get GO BIZ™ Rewards. You can redeem points for gift certificates, cash deposited into your savings account, and more. Note: this card comes from a credit union, and you must be a member first. You can only be a member of the Navy Federal credit union if you’re attached to the military, the Department of Defense, or the National Guard and their families. If you can qualify for this card, the interest rate is stellar and it goes beyond an introductory period.

Unique Benefit Credit Cards: #3 – Brex Credit Cards for Startups

You will not need to provide a personal guarantee. They will underwrite based on your EIN. Only companies organized and registered in the US may apply for a Brex account. These are like C-corps, S-corps, LLCs, or LLPs. Pay no annual fee for the Brex credit card for startups.

Get unlimited points. You can get 7x points on rideshare. Get 4x points on Brex travel. You get triple points on restaurants. Get double points on recurring software costs. And get 1x points on everything else.

Earn points on everything you buy. Redeem them for Bitcoin or Ethereum through Brex’s partner TravelBank. But there are some industries they will not work with, as well as others where they want more paperwork. They will not accept the cannabis industry, and crypto is a restricted industry.

Credit Cards with Benefits Where You Can Build Personal (and Some Business) Credit: #2 – Sofi Credit Card (personal)

While this is a personal card, the perks are so unique we had to include it. You can earn 2% cash back on all eligible purchases. You can redeem your cash back straight into crypto with a SoFi active invest account. Pay no annual fee and no foreign transaction fees.

Make 12 monthly on-time payments of at least the minimum due, and SoFi knocks 1% off your APR. Otherwise, standard variable APR for purchases is 12.99-24.99%, based on creditworthiness. The SoFi credit card‘s APR ties to the Prime Rate. Balance transfer APR is 12.99-24.99%, based on creditworthiness.

Perks programs include the Sofi credit card rewards program. Rewards include a Lyft credit for a minimum number of rides taken in a month, once per month. There’s also the Sofi member rewards program. That’s where you can apply points toward loans, including student loans, and Mastercard World Elite.

Credit Building

Since this card lets you plow points into paying off loans, it can improve your personal credit. And paying on time will improve your personal credit even more. Experian’s business credit score calculations include personal credit scores. So, indirectly, this card could help you build business credit.

Business Credit Cards with Benefits to Help You Manage an SBA Express Loan: #1 – Zions Bank SBA Express Business Visa Debit Card

The Zions Bank SBA Express Business Visa debit card is #1 because it floored us. And then we wondered – why doesn’t every SBA Express lender do things this way? Pay no membership/account fees. Use this card to manage SBA Express loan money from Zions Bank that’s already approved.

Get travel accident insurance and other credit card perks, which you would not normally get from an SBA Express loan. This card is only available to SBA Express borrowers. If you’re an SBA Express borrower (or want to become one), we could not find a downside to getting this card.

Small Business Credit Cards with Benefits: Takeaways

Business credit cards with benefits have positives beyond lower APRs and travel points. Buy bitcoin, or access Visa SavingsEdge, or the MasterCard Easy Savings program. Or pay low interest rates by leveraging a connection to the armed forces. Or even manage an SBA Express loan. But never forget: the best business rewards credit card is the one you’ll use, with rewards that make sense to you.

Let us work with you, and help you decide on what’s best for you and your business.

The post 5 Business Credit Cards with Benefits That Will Surprise You appeared first on Credit Suite.

How to Become a Shopify Partner

As one of the largest e-commerce platforms on the internet, Shopify offers budding (and established) entrepreneurs a platform to sell their wares and increase their reach.

In fact, Shopify dominates nearly 20 percent of the e-commerce market share.

That’s not all. With millions of active buyers on the platform, there is plenty of opportunity for brands to grow their revenue.

In addition to a massive audience, Shopify offers users a simple, streamlined experience that allows store set up in record time.

When you join the Shopify platform, you have immediate access to functionality that allows you to:

  • build a website
  • create a domain
  • multiple payment options
  • order receiving and processing

In short, Shopify equips sellers with the tools they need to get their store off the ground.

Shopify benefits don’t only apply to online vendors—through their unique partnership program, individuals can align with Shopify to grow their business and increase revenue through a variety of functions.

Is the Shopify Partner program right for you? Here’s what you need to know. 

What Is the Shopify Partner Program?

The Shopify Partner Program is a set of tools and resources Shopify users can leverage to grow their business. This is done through four main categories:

  • Marketing: For Shopify users in need of a more defined audience, streamlined campaigns, or optimized content, Shopify Marketers can offer their services to help Shopify users increase their reach and employ better marketing strategies.
  • Shopify Developers: Experts in Shopify store development, can build apps that help Shopify’s merchants in a variety of ways, including increased engagement and sales. 
shopify partner store testing
  • Shopify Designers: From graphics to branding, these design experts help stores with design needs, often working collaboratively with developers.
  • Affiliate Marketing on Shopify: Affiliate marketers can offer nearly any service on the platform, from influencer marketing to content creation.

Shopify Partners can also build and sell Shopify apps and themes to generate income. 

In addition to the above different kinds of Partners, there are also different levels of partnership, including: 

  • Shopify Partners: Consider this the entry-level role for Shopify Partners. At this level, you gain access to limitless test stores, allowing you to customize, learn and hone your craft. For each action (client referral, app designed, or graphic completed), you earn a monthly commission.
  • Shopify Plus Partners: This tier is exclusively for Shopify Partners who do excellent work. This level often includes agencies, enterprise consultants, and system integrators, as well as individuals.
  • Shopify Fulfillment Partners: Fulfillment partners make up the Shopify Fulfillment Network and can operate inside or outside of the bounds of the Shopify Partner Program. 

What Are the Advantages of Becoming a Shopify Partner?

Given that one in three Shopify sellers seek services from Shopify Partners, there’s a real opportunity for you to supplement your income when you join the program. In addition to adding some extra padding to your bank account, Partners can access free training resources and perks, including:

  • FAQs 
  • how-to articles
  • live chat
  • the Shopify Academy

The partnership also comes with access to an unlimited number of stores, so you can experiment to your heart’s content.

As a Shopify Partner, you gain exclusive access to offers on tools that can help you run and grow your business. Once you have your dashboard set up (more on that later), select the “Partner Perks” section and select the “Claim perk” button. 

Even better, when you sign up to become a Shopify Partner, you create opportunities to scale your business. Regardless of whether you’re a well-established agency or an individual setting out to grow your skills and client base, enrolling in the Shopify Partner program is a great growth opportunity. 

Sound good?

Let’s break down how you actually become a Shopify Partner.

5 Steps to Become a Shopify Partner

The Shopify partnership comes with plenty of perks we’ve already covered, but there’s one overarching benefit we haven’t covered: Becoming a Shopify Partner is free. 

Now that you have a better understanding of the value associated with a Shopify Partnership, follow these five steps to start growing your business today. 

1. Learn More About Shopify Partners

This blog explores the surface-level of a Shopify Partnership, however, you’ll want to spend more time on the Shopify partner page to read the blog and learn more about partner perks and features. 

2. Join the Shopify Partner Program

This is the easiest step yet! Simply head to the sign-up page and enter your name and email address and wait for your verification.

3. Verify Your Email Address

After creating an account, you’ll receive an email asking you to follow a link to verify your email address. Be sure to do this within 24 hours, as the window for response closes after that timeframe.

After you select the blue button to confirm your account, you’ll land on the Shopify accounts page. From there, choose “Shopify Partners” and then “Create new partner account.”

4. Enter Your Information

Now that you’ve successfully set up an account, you must complete a form that asks for the specifics of your business. Complete all the necessary fields. 

After this step, scroll down to the “Business goals” section and choose the function that best suits your offering. Here you can select:

  • building apps
  • building new Shopify stores for clients
  • providing Services to existing Shopify merchants
  • referring merchants as an affiliate
  • selling products as a Shopify merchant
  • other

After you’ve selected the right category, scroll down the page until you reach the section about platform usage. Here, you’ll identify which platforms you’re currently using, allowing Shopify to equip you with custom tools. 

Categories include:

  • BigCommerce
  • Lightspeed
  • Magento
  • PrestaShop
  • Square
  • Squarespace
  • Wix
  • WooCommerce
  • WordPress
  • None
  • Other

After selecting the relevant category, read the Partner Program Agreement at the bottom of the page and check the corresponding box. 

5. Meet Your Shopify Dashboard

Your dashboard is the hub of your Shopify business. To get started, select the Shopify Partner programs you’d like to apply to from the “Get started” section.

shopify partner dashboard

A short form will ask you to explain your interest in each program.

Even if you’re not accepted into a program immediately, you can still use your dashboard to grow and hone your skills. With endless courses available from the Shopify Partner Academy, you can earn certifications in Business Fundamentals, Theme Development, App Development, and Product Fundamentals. 

You can take the accompanying test as many times as you like, all while using the resources provided through the Shopify Partner Academy to increase your knowledge base. 

After receiving your acceptance to one of the Shopify Programs, you can start earning some cash. Payments occur on a bi-monthly schedule via PayPal.

The Partner Dashboard is also your source for all questions. From the portal, you can contact Shopify support whenever, wherever to get your questions answered.

Measuring the Success of Your Shopify Partnership

You’ve set up your dashboard, been accepted into a few programs, have been working for a few months, and now you want to know how successful your Shopify partnership actually is.

While there are countless metrics you can use to track the success of your endeavors, here are six key figures to assess the strength and success of your partnership.

Lead Conversion Rate

This metric is exactly what it sounds like: a measurement of how many leads converted into customers in a specific period of time, generally within 30-day increments.

Significant due to its ability to highlight how successful your campaigns are at turning attraction into actual leads, your lead conversion rate is a must-track metric. 

How do you calculate lead conversion rate? The formula is pretty simple, as long as you have the numbers.

Lead Conversion Rate = (Number of new customers in the last x days ÷ number of leads in the last x days) x 100

Lead Velocity Rate (LVR)

This figure is representative of real-time sales performance. Given its predictive nature, the metric is perfect for forecasting revenue growth.

How do you calculate lead velocity rate?

Lead velocity rate = (Number of qualified leads this month – number of qualified leads last month) ÷ number of qualified leads last month x 100

Monthly Recurring Revenue (MRR) 

This metric represents revenue, rather than what is actually actively collected. A good indicator of success, MRR lets you know if your leads are converting to actual customers within a finite time span. 

How do you calculate MRR?

MRR = Number of customers x average billed amount

Churn Rate 

This metric refers to the number of customers who stop using your service during a specific time frame. Churn rate is a valuable metric to determine if your marketing strategies and onboarding process is effective. 

How do you calculate churn rate? There are two types of churn rate: 

User churn = (Cancelled users in the last 30 days ÷ active users 30 days ago) x 100

Revenue churn = (MRR lost to downgrades & cancellations in the last 30 days ÷ MRR 30 days ago) x 100

Average Revenue Per User (ARPU)

Use this metric to learn how much revenue you’re creating from each individual user. This statistic is valuable to assess marketing successes and failures and forecast revenue goals.

How do you calculate ARPU?

ARPU = MRR ÷ active users

Lifetime Value (LTV) 

This metric represents the amount a user will spend on your service throughout the course of your relationship. This figure helps you assess whether it is more valuable to maintain existing customers or pursue new ones. 

How do you calculate LTV?

LTV = Average monthly recurring revenue per customer ÷ user churn rate

I recommend monitoring these figures on a daily, weekly, and monthly basis for a comprehensive view of your success. These metrics let you identify patterns and see if improvements succeed so you can adjust your approach as needed. 

Conclusion

Shopify’s continuous growth shows no signs of stopping.

For any digital marketers, developers, or graphic designers, becoming a Shopify Partner offers an opportunity to broaden your portfolio, sharpen your skills, and earn some extra cash.

If you’re looking to increase your client base and your revenue, Shopify might be the place for you.

If you’re considering wading into the world of Shopify partnership, be sure to actively monitor the right metrics and ignore vanity metrics that have little impact on overall success. 

What part of the Shopify Partner program is most useful to you?

A Starter Guide to Amazon Vendor Central

Becoming a third-party seller isn’t the only way to make money on Amazon. What if I told you there’s a way to get rid of the bulk of your seller admin and focus solely on helping a single customer who will sell your products for you? Well, that’s what you can expect from Amazon’s Vendor …

The post A Starter Guide to Amazon Vendor Central first appeared on Online Web Store Site.

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One Medical | San Francisco, CA or Austin, TX | Full-time | https://www.onemedical.com/careers/

At One Medical, we are passionate about revolutionizing the healthcare industry by offering a new approach to primary care. We combine people-centered design, technology, and a team of talented healthcare providers to give our members an amazing experience (in-house developed apps, infrastructure focused on healthcare, medical records, and virtual care to name a few).

Security at One Medical: https://www.onemedical.com/careers/security/
– Senior Security Engineer, Logging and Automation – (SF or Austin)
– Senior Application Security – (SF or Austin)

Engineering and Corporate Roles: https://www.onemedical.com/careers/all-departments/

Our focus on technology and preventative healthcare has allowed us to help address aspects of the current covid crisis. We’ve been doing telemedicine for years, setting up outdoor covid stations across the nation, and as of last month we now offer antibody testing, outside of all of the other services we provide.

For a better understanding of One Medical, please check out our Instagram (https://www.instagram.com/onemedical), reach out to our Recruiting team (https://www.linkedin.com/in/sbunker) or me.

The Entrepreneur’s Guide of Outsourcing Work Without Losing Quality

No matter what industry you’re in, there’s always more work than time to do it. This means that there is always something lacking, always more work to be done, and new companies often fall behind their expectations and deadlines. One of the most insidious parts is that it leads to massive stress. According to business …

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NYSE’s Plan for New IPO Alternative Wins Green Light From SEC

Regulators have approved a proposal from the New York Stock Exchange to let companies raise capital through direct listings, a decision that creates a cheaper alternative to the traditional initial public offering.

The post NYSE’s Plan for New IPO Alternative Wins Green Light From SEC first appeared on Online Web Store Site.

The post NYSE’s Plan for New IPO Alternative Wins Green Light From SEC appeared first on ROI Credit Builders.

Luka vs Larry, No CFB, Another "Next Tiger," and Dame vs. PG With Ryen Russillo 

The Ringer’s Bill Simmons is joined by Ryen Russillo to discuss the increasingly grim outlook for college football in 2020 (2:20) and Collin Morikawa winning the PGA championship (18:10). They also discuss the excellent play of Luka Doncic, the red-hot Phoenix Suns, the unlucky 76ers, the Pelicans’ breakdown, the Trail Blazers, Damian Lillard’s comments toward Paul George and Patrick Beverley, and more (35:32).

The post Luka vs Larry, No CFB, Another "Next Tiger," and Dame vs. PG With Ryen Russillo  appeared first on Buy It At A Bargain – Deals And Reviews.

Checklist of Accounting Careers

Listing of Accounting Careers Annually, various institution of higher learnings from around the globe generate grads with various university levels. It just suggests that annually, the joblessness price boosts and also extremely couple of newly-grads land a work. It is really vital to select the university level that you’re mosting likely to require to guarantee … Continue reading Checklist of Accounting Careers

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.

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.

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

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

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

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

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

business cards bad FICO Credit Suite

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.

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 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

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

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.

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

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

Note: you cannot use this 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/

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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

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 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

business credit cards with bad personal credit Credit Suite

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

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.

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.

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