Get Fair Credit Cards for Your Business

Is your personal credit not so hot? You can still get fair credit cards for your business.

Check Out These Fair Credit Cards for Your Business

We investigated a lot of fair credit cards for you. So, here are our options.

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

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

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

Fair Credit Cards: Benefits

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

Fair Credit Cards, Not Requiring a Personal Guarantee

Brex Card for Startups

Check out the Brex Card for Startups. It has no annual fee.

You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN. 

Nonetheless, they do not accept every industry. 

Also, there are some industries they will not work with, and others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a corporation’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on Brex Travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have bad credit scores (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Fair Credit Cards Credit Suite

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

Fair Credit Cards for Your Business

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no yearly fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your business, without minimum to redeem.

While this card is within reach if you have fair credit, beware of the APR. But if you can pay in a timely manner, and completely, then it’s a good deal.

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

Fair Credit Cards with No Annual Fee

No Annual Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Check out the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the initial year. After that, the APR is a variable 14.74 – 20.74%.

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need outstanding credit to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Fair Credit Cards with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the first twelve months. After that, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day company purchases like office supplies or client dinners for the initial $50,000 spent each year. Get 1 point per dollar afterwards.

You will need great to outstanding credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

Fair Credit Cards Credit Suite

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

American Express® Blue Business Cash Card

Also have a look at the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. However its rewards are in cash instead of points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. After that get 1%.

It has no annual fee. There is a 0% introductory APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%.

You will need great to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Terrific Fair Credit Cards for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business 

Check out the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the initial year. Afterwards, this card costs $95 each year. There is no introductory APR offer. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the initial three months from account opening. Get unlimited 2% cash back. Redeem at any time with no minimums.

You will need good to excellent credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Yearly Fee

Discover it® Business Card

Take a look at the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for year. Then the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| conveniently to Quicken, QuickBooks, and Excel. Note: you will need great to exceptional credit to qualify for this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% introductory APR for the first one year. After that, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first 3 months from account opening.

You can earn 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

Get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can earn.

You will need exceptional credit to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Fair Credit Biz Credit Suite

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

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Have a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need superb credit scores to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/ 

Flexible Financing Fair Credit Cards – Take A Look at Your Options!

The Plum Card® from American Express

Check out the Plum Card® from American Express. It has an initial annual fee of $0 for the first year. After that, pay $250 per year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need excellent to exceptional credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/ 

Unbeatable Cards for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no annual fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. And get a one-time $200 cash bonus once you spend $3,000 on purchases in the first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR afterwards.

You will need great to excellent credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Fair Credit Cards for Extravagant Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Take a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which then rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is wonderful for travel if your expenses do not come under conventional bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book through Capital One Travel.

Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you just get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a good to superb FICO rating to qualify.

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

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For a great sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.

Pay a yearly fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the initial three months after account opening. This works out to $1,250 towards travel rewards if you redeem through Chase Ultimate Rewards.

Get three points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel using Chase Ultimate Rewards. You will need a great to superb FICO score to qualify.

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

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Take a look at the Marriott Bonvoy Business™ Card from American Express. It has an annual fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need great to superb credit scores to get this card.

Points

You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the initial 3 months. Get 6x the points for eligible purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and gasoline stations. And you can get 4x the points on wireless telephone services bought straight from American providers and on American purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Also, you get a free night every year after your card anniversary. And you can earn one more free night after you spend $60,000 on your card in a calendar year.

You get free Marriott Bonvoy Silver Elite status with your Card. Also, spend $35,000 on qualified purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year.

Also, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/ 

The Best Fair Credit Cards for You

Your straight-out best small business credit cards hinge on your credit report and ratings.

Only you can pick which features you want and need. So, ensure to do your homework. What is exceptional for you could be catastrophic for another person.

And, as always, make sure to develop credit in the advised order for the best, speediest benefits.

The post Get Fair Credit Cards for Your Business appeared first on Credit Suite.

The SEO Tool Kit: 11 Tools That’ll Save You Time

When I first got into the world of SEO, you could literally optimize your site for any term and rank at the top of Google within a month or two.

But of course, that was ages ago.

Now with Google’s ever-evolving algorithm, it takes more time and effort to get results.

But what happens if you don’t have the luxury of time? Or you don’t have the financial resources to put in the effort that is truly needed.

What should you do?

Just forget about SEO?

Of course not. Today, I want to call out 11 tools that will help you get an edge over your competition. But unlike most lists, I am going to get very specific on the feature I want you to use within each tool to make your life easier and help you get results faster with less effort.

Let’s dive right in.

Tool #1: Ubersuggest Projects

You probably already know about Ubersuggest, but do you really have time to spend hours and hours each week to do your SEO?

Chances are you don’t.

So how do you improve your traffic with the least amount of effort?

You set up a project in Ubersuggest.

As you can see, it shows your SEO traffic over time. It will let you know if your rankings are going up or down, your link growth, and your SEO issues.

With so many things going on in marketing, you don’t have time to manually check your rankings or if things are going up or down or even what you need to fix.

Ubersuggest will do it for you all automatically and even notify you of what needs to happen through email. That way you don’t have to constantly check your SEO. Ubersuggest will do it all automatically.

More so, you’ll get notified of what you need to focus on each week to maximize your traffic.

All you have do is head to the dashboard and click on “Add Your First Project.”

It’s as simple as adding in your URL.

Then select the locations you do business in and want traffic from.

Then add in the keywords you currently rank for or want to go after.

And of course, set up your traffic preferences.

And then you’ll be good to go.

Then when things go great, you’ll be notified. And when things are going wrong, you’ll also be notified. Ubersuggest will even tell you what to fix.

That way you get the maximum results in the least amount of time.

Tool #2: Google Analytics Alerts

You have Google Analytics set up on your site, but how often do you log in?

And when you do log in, do you know what to focus on or what to look at?

And if you do, do you know what to do with that data?

Google Analytics is a great tool, but you don’t want to waste hours and hours looking at reports. Instead, you want to spend your time doing and getting results.

But if you set up alerts in Google Analytics, you can save tons of time.

If you watch from the 6:33 mark, it will show you how to set up alerts. I added the whole video as it will teach you how to set up Google Analytics in general in case you don’t have goal tracking set in place.

Once you set up alerts, you’ll again get notified when anything good or bad happens. I usually have alerts set up for only when things go bad, so I know when I need to focus on fixing my marketing.

Tool #3: Trello

You’re probably thinking how the heck is Trello a marketing tool. It really isn’t, but it is a good project management tool.

And with your SEO, you may have a team helping you out and Trello will help streamline the process, make you more efficient, and get your results faster.

I keep my Trello board simple by breaking it into 3 sections.

  • To do – what needs to be done over time.
  • Prioritized – what I need to be done now (tasks at the top are the most important)
  • Done – tasks that need to be double-checked to ensure they were done right.

It’s that simple. That way you don’t have to micromanage your team.

Some people have more complex Trello boards, but something simple like I have works too.

If you want to create a Trello board for your content marketing, assuming you want to write lots of content (such as 10 posts a week), this process works well.

The columns I use for content writers are:

  • Topics – this is where writers add topics they want to write about.
  • Outline review – writers submit their outline before they write for approval.
  • Draft – writers submit their rough draft.
  • Draft review – editors review each draft.
  • Uploaded, prepared, and ready to review – this is where the editor adds the post to your CMS (like WordPress).
  • Scheduled – this is where you schedule the content to go live.
  • Done – the content is now live.

We’ve found it effective if you are managing dozens of writers at once.

Tool #4: Content Decay Tool

Can you guess how many articles I write each week?

1.

Seriously, that’s it. 1 article a week which is roughly 4 to 5 per month (depending on how many weeks in the month).

And can you guess how many articles my team and I update each week?

21.

That’s roughly 90 a month.

Just think about it… why would I have a team of 3 people updating 90 articles per month when I only write 1 a week.

It’s because updating old content is an easier way to get more SEO traffic than it is to create new content.

But what content should you update?

The content decay tool will tell you that.

It breaks down in order which articles you should update first, second, third… based on what will generate you the most traffic.

If you are wondering what is involved with updating content, just think of it this way:

  • Is there anything outdated within your post – if so, either update the outdated information and make it relevant again. If you can’t, then delete that part from your article.
  • Can you use media to improve the experience – do you need to embed videos, add more pictures, maybe even add an infographic? Use media to better tell your story and message.
  • Are you including the right keywords – a simple way to get more traffic is to integrate other popular related keywords within your article. Whatever your article is about, insert it into Ubersuggest and head to the “Keyword Ideas” report in the left-hand navigation.
  • Is there anything missing – try to poke holes within your content. What could you have done to make it better? What do your competitors talk about that you forgot to mention? What questions didn’t you answer that the reader might have? By asking yourself these simple questions, you’ll be able to make it better.

Tool #5: Ubersuggest Chrome Extension

If you haven’t installed the Ubersuggest Chrome extension, make sure you do so.

I’m not going to bore you with all of the features of the extension… instead, I am going to give you one thing that will save you time.

You know when you Google for information to learn more on any subject?

Chances are, sometimes you are Googling to learn something related to your space. And when you do, you’ll find that your site usually won’t be at the top of those search results.

And that’s ok.

But when you do a search, you’ll notice “monthly searches” in the Google search bar.

This shows you how often that keyword is searched.

So anytime you are looking up anything in your space, pay attention to that number. If you see a keyword with over 5,000 searches, it may be worth targeting.

And as you scroll down and start going through the sites that rank at the top, you’ll notice metrics under each site.

If you notice a web page with thousands of social shares and hundreds of links, it should reaffirm that you probably want to go after that term. And the listing that has thousands of social shares and hundreds of links is a good benchmark of a page that is high in quality and what people in your space prefer.

Ideally, you want to create something better than that one, as that is the main way you beat them over time.

Tool #6: Hello Bar

SEO is very different than paid traffic.

With paid traffic, you can drive people to a landing page with very little content, which makes it easier to generate sales or leads.

With SEO, Google prefers to rank content-rich sites.

But when someone lands on a page full of educational-based content, they are less likely to convert into a customer.

There’s a simple fix… Hello Bar.

Hello Bar has a lot of features, but I just want you to use the top bar like I do on NeilPatel.com.

And as you scroll it moves along with you.

That one little thing allows me to improve my conversion rate from my SEO traffic.

You can easily adjust what you show with a few simple clicks within Hello Bar or you can even show people different messages based on where they are coming from.

Although SEO traffic doesn’t convert as well as paid traffic, it is much cheaper in the long run and does have a better overall ROI. And that one little Hello Bar will improve your numbers.

It’s responsible for 9.4% of revenue from NeilPatel.com.

Every little bit adds up.

Tool #7: Mozcast

Google makes over 3,200 algorithm changes a year.

Are you really going to keep up to date with all of them?

If you followed the first tool and set up a project in Ubersuggest, you’ll get notified when your rankings go down.

And if you set up alerts in Google Analytics (tool number 2) you’ll also get notified when your traffic drops drastically.

What you’ll find is that it’s overwhelming to keep up with all of Google’s updates and it could be confusing to figure out what you need to fix to get your traffic back.

This report on Moz keeps track of all of the algorithm updates and gives you an overview of what has changed or what the update is about. On top of that, you’ll want to check out the Mozcast if you get a notification of ranking or traffic drops as this tool confirms if other people are also seeing changes from a Google update.

Keep in mind that Google doesn’t announce each update, hence you’ll want to cross-reference what you are seeing with the Mozcast.

That way you don’t have to spend hours researching each update.

Tool #8: Detailed

Link building is a pain. There are so many link tools like this one… but let’s not kid ourselves… you just don’t have the time to spend 10 to 20 hours a week doing link building.

So, each minute you spend, you have to make sure it counts.

There’s a tool called Detailed that breaks down the best links for every industry.

All you have to do is select an industry and a site and it shows you all of the good links that are going to your competition.

You can then focus your efforts on reaching out to those sites to get links.

Sure, you will still need to have amazing content or a good product or service in order to convince those sites to link to you, but hey, if you don’t have any of that it’s going to be hard to do well in the first place.

So, don’t waste your time trying to search for links when Detailed will give you a list of hundreds of amazing sites to get links from within your space.

Tool #9: Site Speed Audit

Speed impacts rankings.

Google doesn’t want to rank slow websites anymore.

It doesn’t matter that technology has become better and you can now purchase satellite Internet. Not every location has blazing fast Internet.

For that reason, Google has an Accelerated Mobile Pages framework that helps with mobile load time.

But that’s not enough, you also need your website to load fast.

So, go here and put in your URL.

You’ll then be taken to a report that looks like this:

What you’ll want to focus on is site speed. That Ubersuggest report pulls from Google Lighthouse.

So, send that to your developer and tell them to get you in the green mark for both mobile and desktop load times.

As your speed goes up, so will your SEO rankings and traffic over time.

Tool #10: Supermetrics

Are you tired of having your data everywhere?

Why would you want to log into four of five different apps to get your SEO and marketing data when you could log into one.

And no, I am not talking about Google Analytics. I am talking about Google Data Studio.

If you haven’t used it yet, sign up for it… it’s free.

Google Data Studio is a business intelligence tool that will show you all of your data in one place.

So how do you get all of your SEO data into Google Data Studio? You use Supermetrics.

It passes all of your SEO data from different sources into Data Studio, so you no longer have to log into multiple tools, including Google Analytics.

My favorite feature in Supermetrics is you can automate your marketing reporting, so you no longer have to create your reports manually.

Tool #11: VidIQ

Google is the most popular search engine.

But do you know what the second most popular search engine is?

It’s not Bing… it’s actually YouTube, which Google actually owns.

If you haven’t done YouTube SEO yet, you should reconsider. Just look at how much search traffic I get from YouTube each month.

This article will break down how to do YouTube SEO if you want to learn how it works.

But to make things easier, install this Chrome extension.

Whenever you perform a search on YouTube it will show you what’s popular, what keywords are being searched that are related to each video, and which tags people are using to get more SEO traffic.

I wanted to end this post with VidIQ because it’s not competitive.

See, unlike traditional SEO, it doesn’t take months to see results. YouTube SEO is the opposite in which it isn’t as competitive (yet) and you can rank at the top within 24 to 48 hours of releasing a video (seriously!).

Conclusion

They say SEO is hard and time-consuming. And I am not going to lie, you won’t get results unless you put in some effort.

But who says it has to be as time-consuming?

By using some of the tools I mentioned above you’ll save time. It really is that simple.

I know there is a lot and it can be overwhelming. So if you don’t have time to use all of the tools it is fine… just start at the top and work your way down (I put them in order based on what will save you the most time).

What other ways do you save time on your SEO?

The post The SEO Tool Kit: 11 Tools That’ll Save You Time appeared first on Neil Patel.

VFW Post 1093 And VetToCEO Announce Instructors For Veterans…

VFW Post 1093 And VetToCEO Announce Instructors For Veterans Entrepreneurship Pilot Please get in touch with Ed Marsh to go over possibilities.About VFW Post 1093: Founded in 1946, VFW Post 1093 energetic participants live in Ipswich and also a number of communities on the North Shore while taking part participants live throughout the United States. …