best Business Credit Cards

zero interest credit cards

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For
people with credit card debt, perhaps there’s no better bank
beating strategy than having a bank lend you its own money for free!
That’s exactly what a 0% balance transfer credit card does, by
allowing you to transfer your higher interest credit card & store
card debt to a balance transfer credit card with a lower interest
rate, typically 0%-2.99%, for 6-12 months.</div>
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Many
Canadian households have credit card balances in excess of $8,000,
paying 19.99% interest or more, incurring interest charges of at
least $1,600 per year on their credit cards! Enter the 0% balance
transfer credit card, and you can see why so many Canadians are
attracted to a 0% interest rate to save big, reduce their monthly
payment and get rid of debt faster.</div>
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</div>
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When
looking for a<a href="http://www.greedyrates.ca/cards/Low-Balance-Transfer-Credit-Cards"> low balance
transfer credit card</a>,
you should always evaluate three features: the interest rate, the
length of time of the promotion and the balance transfer fee. You
don’t want to pay 3% in fees for the privilege of a 0% offer. At
the same time, you don’t want a short promotional period that won’t
give you the time to pay off your debts, before the regular interest
rate comes into effect.</div>
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Top
0% Balance Transfer Cards </h2>
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</div>
<ol>
<li><div style="border: none; margin-bottom: 0in; padding: 0in;">
 MBNA Platinum
 Plus® MasterCard®</div>
</li>
</ol>
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</div>
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MBNA
Canada continues to lead the market by offering the country’s
lowest and longest 0%
balance transfer credit card for a market-leading 12 months (<a href="http://www.greedyrates.ca/blog/best-balance-transfer-credit-card-canada-platinum-plus-review/">review
here</a>). There
is no annual fee for this card. No other balance transfer credit card
in Canada offers a 0% rate with a promotional term as long as 12
months.</div>
<div style="border: none; margin-bottom: 0in; padding: 0in;">
Another
unique feature of this card is that MBNA will transfer cash into your
bank account at 0% for 12 months as well. You can then use that cash
to pay down other debts or for ANY other purpose – just like a
cash advance, only MBNA calls it a “deposit”.</div>
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There
is a $7.50 or 1% balance transfer fee (whichever is greater), which
is also on the low end. We also like the Platinum perks the card
offers, including car rental insurance, trip interruption, extended
warranty protection and price protection. </div>
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 </div>
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</h4>
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2.
RBC Cash Back MasterCard</div>
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 </div>
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The
RBC Cash Back MasterCard has no
annual fee and
offers a 1.9%
promotional interest rate on balance transfers and cash advances for
10 months with no
transfer fee for
new cardholders!</div>
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This
is the only credit card in Canada we know of that comes with such a
low balance transfer and cash advance promotional rate, with a 0%
transfer fee. Most cards in the market come with at least a 1%
transfer fee.</div>
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The
RBC card ends up being the second best offer, after the MBNA Platinum
Plus MasterCard, when you combine the low rate, length of the
promotion and 0% transfer fee. It’s a great card to surf to after
your promotional rate from MBNA expires.</div>
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</h4>
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3.
Best Western MasterCard®</div>
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This
is another card from MBNA that offers a 1.99%
APR for 10 months on
balance transfers and no
annual fee.
After that, the interest rate (APR) on transferred balances will
be 21.99%. Instead of a pure balance transfer credit card, the Best
Western MasterCard is a hotel rewards card, with no annual fee and a
20,000 point sign-up bonus with your first purchase – enough for a
free nights stay.  Might as well get a free hotel night while
transferring your balance!</div>
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There
is a $7.50 or 1% balance transfer fee. This is a good card for those
looking for a very strong balance transfer offer – 10 months is the
second longest one out their, but also value a free hotel night stay
welcome bonus!</div>
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</h4>
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4.
American Express SimplyCash Credit Card</div>
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The
no annual fee SimplyCash card from American Express, offers
a 1.99%
balance transfer rate for
the first 6 months,
with no balance transfer fee at time of application, another good
option if you’re at the end of your MBNA Balance transfer
promotional period, and want to extend your low rate – surfing from
one card to the other. Amex will allow you to transfer up to 50% of
your available credit line, to a maximum of $7,500. Balance transfers
are subject to a 0% transfer fee at time of application – a great
deal.</div>
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The
advantage of this card is that it can act as both a low balance
transfer card & a cashback rewards card all in one. This card is
great for those looking for a low interest balance transfer offer, a
no annual fee card or a credit card with 5% cash back on gas,
groceries and restaurants in the first 6 months, and 1.25% on all
other purchases all the time – Canada’s market leading flat rate
cash back card!</div>
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</h4>
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5.
Scotiabank Value Visa Card</div>
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This
balance transfer credit card offers a 0.99 %
interest rate on balance transfers for the first 6 months.
There is a $29 annual fee. The advantage of this card is that at
the end of the 6 month introductory period, the go to interest rate
will be 11.99% on your transferred balance and new purchases. We
always recommend trying to pay down your balance during the
promotional period. If you haven’t, we would recommend transferring
your balance to another low balance transfer credit card offer
(balance surfing), 1 month prior to the promotional rate expiring.
That way you will be sure to beat even a low rate of 11.99%.</div>
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</h4>
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Conclusion</div>
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A
0% balance transfer credit card is not easy to come by in Canada. As
you can see, there are only two 0% offers in the country right
now. Regardless, a 0% balance transfer rate for 12 months is
better than any line of credit rate available, so are some of the
.99% and 1.99% offers.</div>
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While
you can’t transfer a balance from one MBNA/TD card to another, what
you can do is balance surf from your MBNA card, to a Scotia card,
back to an MBNA card, to an Amex card, back to an MBNA card, etc.
Some folks even have multiple Platinum Plus cards, to cycle in and
out of the 0% offer.</div>
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We
continue to recommend balance transfers as the best strategy to pay
off any high interest credit cards, store cards or fixed payment
loans you may have. No other products offer interest rates as low.
You could save hundreds if not thousands in one year alone. It’s
one of the best bank beating strategies out there – good luck!</div>
 
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</div>

zero interest credit cards

For people with credit card debt, perhaps there’s no better bank beating strategy than having a bank lend you its own money for free! That’...

The Top 5 Business Credit Cards

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any
people can get a small business credit card. Opening small business
cards roughly doubles the number of amazing miles and points
cards available to you.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
Every
small business credit card I’ve gotten I opened by putting my
social security number as the tax ID, and by saying that my business
is a sole proprietorship. I got many of the cards when my business
revenue was very low.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
Here
are the top cards, broken down by Best Sign Up Bonus, Best Category
Bonuses, Best for Everyday Spending, Best for Perks, and Best for
Cash Back. Depending on what kind of business you have, how much/what
kind of spending the business does, and what your overall goals are,
the best card for you will vary.</div>
<ul>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Ink
 Plus by Chase</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 <a href="https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/" target="_blank">Alaska
 Airlines Visa® Business Card</a> by
 Bank of America</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 <a href="https://www.americanexpress.com/us/small-business/credit-cards/starwood-business-credit-card" target="_blank">Starwood
 Preferred Guest® Business
 Credit Card</a> from
 American Express</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 <a href="https://www.americanexpress.com/us/small-business/credit-cards/business-platinum" target="_blank">Business
 Platinum Card® </a>from
 American Express</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 <a href="http://milevalue.com/CostcoBusiness" target="_blank">Costco
 Anywhere Visa® Business Card</a> by
 Citi</div>
</li>
</ul>
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Best
Sign-Up Bonus: The Ink Plus</h4>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
Chase Ink Plus offers 60,000 bonus Ultimate Rewards after
spending $5,000 in the first three months on the card. Ultimate
Rewards transfer 1:1 to United, British Airways, Southwest, Korean,
Virgin Atlantic, and more. I value Ultimate Rewards very highly
because of this versatility– at about 2 cents per point. That makes
this sign-up bonus worth $1,200.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
I
have to also mention the <a href="https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/" target="_blank">Alaska
Airlines Visa® Business Card</a> for
this category. The sign-up bonus isn’t all that impressive on its
own (30,000 Alaska miles for spending $1,000 in three months), but
when you consider that you can potentially <a href="http://www.milevalue.com/alaska-airlines-credit-card-primer-best-offer-churnable/" target="_blank">earn
the sign-up bonus repeatedly</a> in
a relatively short span of time, and the fact that I
value <a href="http://www.milevalue.com/start-here/mile-value-leaderboard/" target="_blank">Alaska
miles very highly (1.75 cents each)</a>,
the card becomes a lot more interesting.</div>
<h4 class="western" style="font-weight: normal; line-height: 0.3in; margin-bottom: 0.15in; margin-top: 0.25in;">
Best
for Everyday Spending: SPG Business Card</h4>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The <a href="https://www.americanexpress.com/us/small-business/credit-cards/starwood-business-credit-card" target="_blank">Starwood
Preferred Guest® Business
Credit Card</a> from
American Express OPEN earns 1 Starpoint per dollar on all purchases.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
Starpoints
transfer to <a href="http://www.starwoodhotels.com/preferredguest/account/starpoints/transfer/airline_partner_list.html">over
30 airlines</a>,
most at a 1:1 ratio. Whenever Starpoints transfer at a 1:1 ratio, you
always get 5,000 bonus miles for every 20,000 points transferred.That
effectively means that you are earning 1.25 airline miles per dollar
on all purchases with this card. Key 1:1 transfer partners:</div>
<ul>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 American
 Airlines</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 British
 Airways</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Delta
 Air Lines</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Alaska
 Airlines</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Korean
 Air</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Singapore
 Airlines</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Virgin
 America</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Many
 More, but NOT United</div>
</li>
</ul>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
card comes with 25,000 bonus Starpoints after spending $5,000 in the
first six months. Points can also be used for free hotel nights, <a href="http://www.milevalue.com/a-chance-to-buy-starpoints-for-1-1-cents-starwood-cash-points-awards/" target="_blank">Cash
& Points stays</a>,
and <a href="http://www.milevalue.com/limited-time-50k-aa-card-offer-plus-expiring-spg-cards-offer-means-round-the-world-business-class-award/" target="_blank">Nights
& Flights</a> awards.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
annual fee of $95 is waived
the first 12 months.</div>
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Best
Category Bonuses: The Ink Plus</h4>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
Chase Ink Plus offers 5x Ultimate Rewards on up to $50,000
each account anniversary year for purchases at:</div>
<ul>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 office
 supply stores</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 cellular
 phone services</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 landline
 phone services</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 internet
 and cable TV services</div>
</li>
</ul>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
card also earns 2x points at gas stations and hotels on up
to $50,000 each account anniversary year.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
All
other purchases earn 1 Ultimate Reward per dollar spent.</div>
<h4 class="western" style="font-weight: normal; line-height: 0.3in; margin-bottom: 0.15in; margin-top: 0.25in;">
Best
for Perks: Business Platinum Card from American Express</h4>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The <a href="https://www.americanexpress.com/us/small-business/credit-cards/business-platinum" target="_blank">Business
Platinum Card® from
American Express</a> is
the king of perks for business cards. The card comes with:</div>
<ul>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 $200
 in airline fee credits per calendar year (<a href="http://www.milevalue.com/if-you-have-an-amex-platinum-collect-your-200-in-free-flights/" target="_blank">how
 I turn my credits into airline tickets</a>)</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 $100
 credit for Global Entry once every five years</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Delta,
 Priority Pass, and Centurion lounge access (900 lounges in 120
 countries through <a href="https://www298.americanexpress.com/benefits/platinum/us/en/#/loungefinder" target="_blank">The
 Lounge Collection</a>)</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 SPG
 Gold Status</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 Complimentary
 Gogo® and
 Boingo Internet</div>
</li>
</ul>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
<a href="http://www.milevalue.com/get-the-most-out-of-your-american-express-platinum-card/" target="_blank">Here
is how to set up and maximize those benefits.</a></div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
card comes with 40,000 bonus Membership Rewards after spending $5,000
in the first three months. It earns 1 Membership Rewards per dollar
on all purchases except when you book on the American Express Travel
website, which earns 2x per dollar spent.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
The
card has a $450 annual fee that is NOT waived, but if you are an avid
traveler, the perks should more than make up for it.</div>
<h4 class="western" style="line-height: 0.3in; margin-bottom: 0.15in; margin-top: 0.25in;">
Best
for Cash Back: <a href="http://milevalue.com/CostcoBusiness" target="_blank">Costco
Anywhere Visa® Business Card by Citi</a></h4>
<div style="line-height: 0.24in; margin-bottom: 0.27in;">
The <a href="http://milevalue.com/CostcoBusiness" target="_blank">Costco
Anywhere Visa® Business Card by Citi</a>,
exclusively for Costco members, earns:</div>
<ul>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 4%
 cash back on eligible gas for the first $7,000 per year and then 1%
 thereafter</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 3%
 cash back on restaurants and eligible travel purchases</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 2%
 cash back on all other purchases from Costco and Costco.com</div>
</li>
<li><div style="border: none; line-height: 0.27in; margin-bottom: 0.27in; padding: 0in;">
 1%
 cash back on all other purchases</div>
</li>
</ul>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
<a href="http://www.milevalue.com/citi-costco-visa-4-gas-2-percent/" target="_blank">Read
my full review of the card here</a>.</div>
<h4 class="western" style="font-weight: normal; line-height: 0.3in; margin-bottom: 0.15in; margin-top: 0.25in;">
Bottom
Line</h4>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
Depending
on how much spending power your business has and how much you
travel, all of the cards above have their own strengths that might
benefit you and your small business more than others.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
If
your business has a lot of expenses and you therefore have a lot of
spending power, you’ll probably want either the <a href="http://milevalue.com/CostcoBusiness" target="_blank">Costco
Anywhere Visa® Business Card by Citi</a> or
the <a href="https://www.americanexpress.com/us/small-business/credit-cards/starwood-business-credit-card" target="_blank">Starwood
Preferred Guest® Business
Credit Card</a> depending
on whether you prefer cash back rewards or travel rewards.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
If
your business is still growing and doesn’t have a lot expenses,
then perhaps you’ll get more out of the Ink Plus or the <a href="https://www.bankofamerica.com/smallbusiness/credit-cards/products/alaska-airlines-business-credit-card/" target="_blank">Alaska
Airlines Visa® Business Card</a> with
their valuable sign-up bonuses.</div>
<div style="line-height: 0.27in; margin-bottom: 0.27in;">
If
you travel often enough to highly value perks like lounge access
and hotel status, whether your business has spending power or not,
the <a href="https://www.americanexpress.com/us/small-business/credit-cards/business-platinum" target="_blank">Business
Platinum Card® from
American Express</a> should
be appealing.</div>
<hr />

<div align="LEFT" style="line-height: 0.27in; margin-bottom: 0.27in;">
Editorial
Disclaimer: The editorial content is not provided or commissioned by
the credit card issuers. Opinions expressed here are author’s
alone, not those of the credit card issuers, and have not been
reviewed, approved or otherwise endorsed by the credit card issuers.</div>

The Top 5 Business Credit Cards

any people can get a small business credit card. Opening small business cards roughly doubles the number of amazing miles and points cards ...

Business Credit Cards

<div style="border: none; margin-bottom: 0in; padding: 0in;">
The
world is no longer just run by multi-billion dollar conglomerates or
mega-rich MNCs. Plenty of startups have now joined the fray to take a
fair share of the spoils with them, while bringing innovation in the
business sphere to a whole new level. Unlike the major corporations,
these young businesses operate on entirely new ethos, embodying the
values of their 20-something founders. Besides, these firms incur
expenses on a significantly lower price scale compared to the
bigwigs. Herein come business credit cards - the new kid on the block
- to help small businesses take care of their day-to-day expenses.
But, nobody really has asked the few basic questions about them,
their scope, or their usefulness. In this article, we aim to cover a
few key topics and also shed some light on various aspects of the
cards that people might know less about. 
</div>
<div style="border: none; margin-bottom: 0in; padding: 0in;">
 
</div>
<ol>
<li><div style="border: none; margin-bottom: 0in; padding: 0in;">
 Business
 Credit Cards - What they are and how they differ from regular credit
 cards As the name suggests, business credit cards are those used to
 take care of everyday expenditures arriving out of a business
 operation. While just about anybody with a steady flow of income can
 apply for a credit card, the eligibility criteria to get a business
 credit card differs. To begin with, these cards are available for
 small businesses, banks government-run establishments, and sole
 proprietorship companies. Besides, applicants need to show their
 revenues in order to be able to get these cards. Further, the
 benefits of these cars are two pronged, wherein both the employer
 and the employee stand to benefit from one of these. For instance,
 the employer can track their expenses and do a clear analysis, while
 employees can do cashless transactions.</div>
</li>
</ol>
<div style="border: none; margin-bottom: 0in; padding: 0in;">
 
</div>
<div style="border: none; margin-bottom: 0in; padding: 0in;">
2.
The pros of using Business Credit Cards There are actually a number
of benefits to using a business credit cards. In fact, sole
proprietorship companies, more so than other, will stand to benefit
for this. Personal Vs. business expenses Businessmen are required to
file taxes every year, which as it is, can often be a nerve-wracking
experience. Now, imagine having to go through their personal credit
card history to zero in on the expenditures they made for their
business, and then justifying them in the tax forms. A dedicated
business credit card, in this case will help minimise the fuss and
maximise transparency. Better credit limit When it comes to
traditional credit cards, the credit limit is determined based on the
cardholder's income. This would mean that the limit offered to them
may not be sufficient to match their business requirements. On the
flip side, a business credit card comes with a much higher credit
limit, which an employer can use to run their business better,
without much lags. Multiple expenses A business credit card can be
used to handle a variety of expenses, ranging from utilities, travel,
entertainment, business maintenance and the like. Now, you may
counter that a regular credit card can do most of these. Business
credit cards allows the cardholder to block certain type of
transactions. 
</div>
 
<div style="border: none; margin-bottom: 0in; padding: 0in;">
3.
These are what make for a good business credit card There are plenty
of factors that go into making the best business credit card for you.
Here, we take a look at a few of them: Rewards: As things stand,
credit card holders opt for credit cards to take advantage of the
plethora of the rewards that come their way. The same applies for
business cards as well. Usually, most of these cards offer cashbacks,
discounts, and flier miles upon purchases and booking. In case, you
are looking to own a business card, consider all the available ones
and weigh up the rewards offered by each of them. Customised offers:
When it comes to a business, the expenses one incurs are often, but
not always, uni-directional. Let's say, if a business requires a lot
of stationeries to manage the usual day-to-day operations, you should
look at cards that can offer you better deals for said such
purchases. The more customised offers you get, the better the card is
for you and the more efficient your business runs. Additional perks:
Let's say a business in question is into sales and marketing, and the
job involves travelling both domestically and internationally. In
such cases, having a card that offer lounge access (in case of air
travel) or extra discounts on hotel bookings makes a lot more sense.
So, look for one that comes with such better propositions. 4. Silly
myths about Business Credit Cards you should ignore As is with almost
everything in life, there are a few myths about business credit
cards. These are some innocuous, falsified word-of-mouth spread by
the regular joes. Let's take a few of those: Only major corporations
can get a business credit card This is the most commonly heard of
misconception about business credit cards. To set it straight, these
cards can actually owned by just about anyone with a legitimate
business. All the banks require of a prospective customer is an
application and the company's recent profit/loss statement. In fact,
there are plenty of companies with 50-odd employees, who own a
business credit card. Personal Credit Cards have better perks and
rewards Well, this myth is only half true. A business cards offer
just as many benefits, if not many, compared to personal credit
cards. To further this point, business cards come with better perks,
one that is tailored for a specific type of usage. Business credit
cards come with hefty joining fees Not true. To the contrary, one may
even find cards in the market, which don't come with a joining fee at
all. If you still hold this belief, a simple research could dissuade
you of them in a few minutes. In all, business credit cards aren't
just a more convenient way of keeping expenditures in check, they
even help bring a level of transparency and accountability into the
operating end of a business.</div>

Business Credit Cards

The world is no longer just run by multi-billion dollar conglomerates or mega-rich MNCs. Plenty of startups have now joined the fray to tak...

business credit card

<div style="margin-bottom: 0in;">
Small
business lending may be improving, but it's far from easy to get
money when your business needs to spend. The right credit card may
help.</div>
<div style="margin-bottom: 0in;">
In
fact, credit cards were the most popular spending method reported by
participants in a 2009 Small Business Administration business credit
card <a href="http://www.nsba.biz/docs/09CCSurvey.pdf" target="_blank">survey</a>,
with 59 percent of small businesses choosing plastic. But, 79 percent
of respondents said the terms of their credit card got worse over the
past 12 months.</div>
<div style="margin-bottom: 0in;">
That
means not every credit card will be right for your business. Here's a
primer on choosing one that works for you.</div>
<div style="margin-bottom: 0in;">
 
</div>
<div style="margin-bottom: 0in;">
The
Big Picture Plastic
isn't a magic pill for business cash flow needs, but it can come in
handy. Credit cards can give your business flexibility, and
fast--something that's essential in these economic times. Cards can
offer other benefits, too.</div>
<div style="margin-bottom: 0in;">
One
of the main reasons to get a business card is that it will help
you <a href="https://www.entrepreneur.com/money/personalfinance/article204862.html">separate
your business expenses from your personal ones</a>.
When it's time to file business tax returns, you'll have an easy
reference point for potentially deductible business expenses Many
credit cards offer statements that categorize your purchases, which
will again help you at tax time, but also when you review your
business budget.</div>
<div style="margin-bottom: 0in;">
"A
good credit card with appropriate features can be a time-saving,
administrative advantage for their business management," says
Nate Wenner, a certified financial planner and certified public
accountant with Wipfli Hewins Investment Advisors in Edina, Minn. "As
a financial advisor to scores of business owners, I've appreciate
anything that helps them to simplify and improve their business
finances."</div>
<div style="margin-bottom: 0in;">
 
</div>
<div style="margin-bottom: 0in;">
Credit
card spending will also offer your business some protections. Cash
and check spending, if something goes wrong, won't leave you with as
many protections as a credit card. Plus, credit cards will eliminate
the need to carry cash for your business and make online purchases
easy.</div>
<div style="margin-bottom: 0in;">
A
downside: consumer protections from the Credit Card Accountability
Responsibility & Disclosure Act, or <a href="http://www.whitehouse.gov/the_press_office/Fact-Sheet-Reforms-to-Protect-American-Credit-Card-Holders/" target="_blank">CARD
Act</a>,
won't be required for business credit card accounts. On the upside,
businesses can deduct credit card interest paid on business credit
cards, which is not permitted for interest on personal cards.</div>
<div style="margin-bottom: 0in;">
Fees
and Interest Rates One
of the most important considerations is how much a credit card will
cost you. There are two main fees (not counting late charges and the
like, which, hopefully, you won't have): annual fees and interest
rates.</div>
<div style="margin-bottom: 0in;">
Annual
fees are a once-a-year charge you'll have to pay for the honor of
carrying a credit card. Very few card issuers offer no-fee cards for
businesses, and they're usually offered only to businesses with the
best credit histories. Fees vary, and many come along with benefits,
such as rewards programs. (More on that later.)</div>
<div style="margin-bottom: 0in;">
Then
there are interest rates, which have been on the rise for consumers
and business accounts alike. According to CreditCards.com, the
average business credit card had an interest rate of 11.31 percent
(as of the week of Feb. 3, 2010). That can get pretty expensive if
you carry a balance for a long period, especially if you plan to use
the card for start-up business costs.</div>
<div style="margin-bottom: 0in;">
 
</div>
<div style="margin-bottom: 0in;">
Rewards
Programs Cards
that offer rewards programs usually charge an annual fee and no
rewards program is perfect for every business; you'll have to decide
what's important to you.</div>
<div style="margin-bottom: 0in;">
"This
can be a nice perk for some businesses, but you need to quantify how
important/valuable this is for your own business,' Wenner says. "For
some, the tradeoffs of higher fees or lack of other benefits might
not make this attractive."</div>
<div style="margin-bottom: 0in;">
Some
of the rewards programs you might find:</div>
<ul>
<li><div style="margin-bottom: 0in;">
Cash
 back: These
 offer cash back based on a percentage of your spending levels.</div>
</li>
<li><div style="margin-bottom: 0in;">
Miles
 cards: These
 allow you to accumulate points or miles for airline travel, which
 can be a great benefit if you're a frequent flier.</div>
</li>
<li>Product
 discounts: Other
 cards allow you to earn points that can be traded in for
 merchandise. Unless a card offers products that are very specific to
 your business needs, you may find these go to waste.

</li>
</ul>
<div style="margin-bottom: 0in;">
Pay
close attention to expiration dates and other limits on redeeming
points or miles on these kinds of cards.</div>
<div style="margin-bottom: 0in;">
Shopping
Around Lending
requirements are still stricter than they used to be, but if you have
good personal credit, you should be able to wrangle a card for your
business.</div>
<div style="margin-bottom: 0in;">
The
first place to start is the bank where you keep your personal
accounts. Your bank knows your credit history and that may translate
positively for your business.</div>
<div style="margin-bottom: 0in;">
Still,
it's essential to shop around.
Check <a href="http://www.bankrate.com/" target="_blank">Bankrate.com</a>, <a href="http://www.creditcards.com/" target="_blank">CreditCards.com</a> and <a href="http://www.credit.com/" target="_blank">Credit.com</a>to
compare cards and features.</div>
 
<div style="margin-bottom: 0in;">
If
your business qualifies for a card, and you make timely payments over
time, it may help you with other lending down the line. "Obtaining
credit is tight for many businesses and individuals, so a positive
record could mean the difference between having the flexibility to
cover unexpected costs, or not," Wenner says.</div>

business credit card

Small business lending may be improving, but it's far from easy to get money when your business needs to spend. The right credit card m...

best business credit card

<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
With
National Small Business Week kicking off this month, personal-finance
websites CardHub and WalletHub have released a trio of reports to
help small business owners find the best credit cards and bank
accounts for their needs.</div>
<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
Business
credit cards enable you to effectively track company expenses and
earn rewards on spending. However, business credit cards aren’t
covered by the <a href="http://www.cardhub.com/edu/card-act-guide/">CARD
Act</a>,
which means they don’t benefit from protections such as those
outlawing universal default, unfair payment allocation and, most
importantly, arbitrary interest-rate increases. Most major credit
card companies <a href="http://www.cardhub.com/edu/business-credit-card-study/">retain
the right </a>to
jack up the cost of your debt at will, which is especially
troublesome when you consider that most issuers report account
information to users’ personal credit reports and hold them
personally liable for debt, according to CarbHub.</div>
<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
In
selecting <a href="http://www.cardhub.com/best-business-credit-card/">2016’s
Best Business Credit Cards,</a> some
of which come from CardHub sponsors, these are the ones that excel in
the various categories most important to small business owners:
approvability, lucrative rewards, 0% rates and/or CARD Act
Protection.</div>
<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
Best
Business Credit Cards</div>
<ul>
<li><div style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; margin-bottom: 0in; padding: 0in;">
 <span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Best
 for Excellent Credit: Credit
 cards from American Express account for approximately <a href="http://www.cardhub.com/edu/market-share-by-credit-card-issuer/">24%</a> of
 the total dollar volume of credit card transactions in the U.S. –
 the highest of any issuer. American Express has built this lead
 thanks to a reputation for strong customer service as well as
 attractive rewards credit cards and <a href="http://www.cardhub.com/charge-cards/">charge
 cards</a> targeted
 to people and businesses with excellent credit.</div>
</li>
<li><div style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; margin-bottom: 0in; padding: 0in;">
 <span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Best
 Initial Bonus: <a href="http://www.cardhub.com/d/ink-plus-business-credit-card-266c/">Ink
 Plus Business Credit Card</a> –
 Up to $750 in travel rewards when you spend $5,000 within three
 months of account opening.</div>
</li>
<li><div style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; margin-bottom: 0in; padding: 0in;">
 <span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Best
 Cash Back: <a href="http://www.cardhub.com/d/capital-one-spark-cash-585c/">Capital
 One Spark Cash for Business</a><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"> –
 2% cash back across all purchases, $500 bonus for spending $4,500 in
 the first three months, and no first year annual fee ($59
 thereafter).</div>
</li>
<li><div style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; margin-bottom: 0in; padding: 0in;">
 <span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">Best
 for Financing: <a href="http://www.cardhub.com/d/citi-diamond-preferred-card-120c/">Citi
 Diamond Preferred Card</a> –
 0% on purchases for the first 21 months and no annual fee. (Small
 business users should always finance company purchases with
 general-consumer products.)</div>
</li>
</ul>
<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
Effective
cash management is critical to small business success. But it can be
difficult to find an adequate business bank account these days, as a
confluence of unique market dynamics have resulted in
business-branded accounts falling to the <a href="http://wallethub.com/edu/banking-landscape-report/1629/">bottom
of the banking totem pole</a>,
according to WalletHub. Personal accounts, particularly online
checking accounts, are now preferable for many small business owners
as a result.</div>
<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
Business
bank accounts still have their virtues, though. Like business credit
cards, business checking and savings accounts tend to offer certain
features geared specifically to the needs of corporations. Having a
business checking account, whether or not you supplement it with a
personal account, also simplifies tax preparation. From
from <a href="http://wallethub.com/best-business-bank-accounts/">WalletHub’s
report the </a>best
overall: <a href="https://wallethub.com/d/bank-of-internet-federal-bank-business-interest-checking-1001627b/">Bank
of Internet USA Business Interest Checking</a> –
0.80% APY, $10 monthly fee that’s avoidable with a $5,000 average
daily balance, and 60 free account transactions per month. Best
Rewards: <a href="https://wallethub.com/d/first-bancorp-business-checking-account-1000698b/">First
Bancorp Business Essentials Checking</a> –
No monthly fee as long as you maintain a $1,000 minimum balance ($8
otherwise) and 0.56% cash back on debit card purchases.</div>
 
<div style="background: rgb(255, 255, 255); border: none; line-height: 0.16in; margin-bottom: 0in; padding: 0in;">
What’s
more,<a href="http://www.cardhub.com/edu/business-credit-card-study/"> Bank
of America continues to be the most small-business-friendly credit
card company</a>,
as it is the only major issuer to have extended all of the major CARD
Act protections that consumers enjoy to its business-branded cards.</div>

best business credit card

With National Small Business Week kicking off this month, personal-finance websites CardHub and WalletHub have released a trio of reports t...