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0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
7.99% Variable APR on Purchases
Choice of 5% Cash Back or Travel Rewards
No Annual Fee and No Limit on Earnings
$0 Fraud Liability
Personalized card - your company name on the top of the card
Up to 5% cash back on all purchases
No annual fee
0% APR during your first 6 months
No minimum spending requirement - start earning cash back right away
Membership Rewards Option Program
0% Intro APR on purchases for 12 months. No Annual Fee. Earn points towards retail, entertainment and dining rewards. Earn points on purchases made by Additional Cardmembers.
0% Intro APR for up to 12 months. No Annual Fee. Free Online Reporting. Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection. Visa Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
0% APR on purchases for 12 months. No Annual Fee. 10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card. 3 ThankYou Points on eligible business purchases. 1 ThankYou Point for every dollar you spend on other purchases. Quarterly and annual business account summaries. Balance transfer fee applies with this offer.
No Annual Fee for the first year, a savings of $95. Earn up to 10,000 additional Miles Boost(SM) bonus miles every year. 20,000 bonus miles after your first purchase. 2,500 bonus miles every year when you spend $15,000. Save 5% on all Delta flights purchased directly from Delta with the Card . Receive a $99 Companion Certificate every year you renew your Card.
0% Intro APR for up to 12 months. No Annual Fee. 3% Cash Back for purchases at restaurants, gas stations, office supply stores, building supply stores. 1% Cash Back on all other purchases.
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Credit cards seem to have become a fad today. Almost everyone has a personal credit card today (a lot of people have more than one credit cards). Though most of the people use personal credit cards for what they are really meant for, some are unable to decide on when to use which type of credit card.
So is there a difference in terms of what credit card Personal or business, you use for what transactions?
The answer very clearly is 'Yes'.
Some people use their personal credit card for paying the bills of the small business they run. However, this is not what you should be doing. Personal credit cards are meant for just personal expenses and the business credit cards just for business expenses. So unless you want to utterly confuse yourself and spend hours together on sorting out business and personal expenses, you should not create this confusion in the first place. This confusion is very easy to avoid and just requires some discipline on your part. Just use your small business credit card for whatever spends you do for your business and the personal credit card for the personal expenses.
If you feel that getting the business expenses segregated is not much of a problem and you would rather use just your personal credit card, you need to re-consider using a small business credit card. This springs from the fact that the small business credit cards generally carry a lower APR as compared to the personal ones. So it makes more sense to make your business spends on your small business credit cards. Moreover, the small business credit cards also carry a reduced or no annual fee on them.
Also, the customer query resolution and support services are much better with the small business credit cards than with the personal credit cards. The credit card companies always give preferential treatment to the small business credit card customers. This is owing to the simple fact that small business owners are much bigger consumers of such services than the personal credit cards. Obviously, the needs of an enterprise are expected to be more than those of an individual. Moreover, if the business grows, it might create more customers for the credit card company (e.g. in the form of corporate credit cards).
There are times when one requires quick money for a short period of time. This can be due to some immediate purchase requirements which you are ultimately going to invoice your client to or some other unplanned/emergency expenses. In most of the cases you have a visibility of a month or so in which you are expecting your invoices to clear. Having the small business credit card can be more beneficial in such cases (as compared to a personal credit card).
Moreover, as with personal credit cards, the small business credit cards can also help in building your business' credit rating. So when it comes to getting a loan for business expansion, you at least have something to show for the credit rating.
fficult to get and cardholders have to keep their accounts in order. They have to remember that credit card companies report quickly to the credit agencies and also send accounts to a collection agency.
