Those with good credit may also want to check out the best business cards for good credit. Making a big purchase? Featured Free Corporate Card. Visit Site. Divvy offers a free corporate card for virtually any business. Start earning rewards with your corporate spending today. Get your free card.
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Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships , and we adhere to strict guidelines to preserve editorial integrity. More card details click to expand. Chase Ink Business Cash Compare. Chase Ink Business Preferred Compare.
One of the top personal cards for travel rewards - the Mastercard Black Card:. Mastercard Black Card details click to expand. Bio LinkedIn Latest Posts. Read our Amex Hilton Business Card review to learn more. The card also offers an introductory APR offer, which allows a new business to acquire inventory or pay upfront expenses with time to pay them off without interest.
Rewards: 2 Membership Rewards points per dollar on everyday business purchases such as office supplies or client dinners. All other eligible purchases earn 1 point per dollar. If you want a no annual fee card that allows you to earn valuable rewards, Ink Cash is a good option. This card is marketed as a cash back card, but can be paired with a premium Chase Ultimate Rewards-earning card to unlock the full value of Chase Ultimate Rewards points.
While the card is marketed as a cash back card, it actually earns Ultimate Rewards. American Express automatically rewards you at a generous rate on your top two categories of spending from a selected list, chosen automatically each month in the areas you spend the most.
Many cards offer quarterly or rotating bonus categories, but the American Express Business Gold Card does the work for you. American Express also grants users travel and transportation protections, such as baggage insurance, emergency assistance and no foreign transaction fees. Additionally, American Express has one of the most robust benefits programs out there with protections including purchase protection and extended warranty coverage.
Cardholders have the ability to pay balances over time with interest, and there are no pre-set spending limits on the Business Gold card. Read our Amex Business Gold review to learn more. This card comes with access to the prestigious Centurion Lounges and comes with an array of credits you can use to justify the annual fee.
The biggest downside of this card is the fact that the credits are so specific. Cap applies. Earn 1 point per dollar on all other eligible purchases. Not only will you be able to access Priority Pass lounges worldwide after you enroll, but you can also use American Express Centurion Lounges and even Delta SkyClubs when you fly same day with Delta.
Read our Amex Business Platinum review to learn more. A business credit card is a line of credit issued to a small business or sole proprietorship.
They allow business owners to keep their business and personal expenses separate. By doing so, record keeping is easier, especially at tax time. Business credit cards operate just like a personal credit card, with the exception that the card may have a different rewards structure or offer different protections. The main way business credit cards differ from personal credit cards is in their lack of consumer protections like those in the CARD Act.
Business credit cards may also report to business credit agencies and offer different rewards and benefits than personal credit cards.
With the many different types of credit cards available, picking one for a business can be a lengthy process. Prospective cardholders have multiple factors to take into consideration before landing on a best-pick. Annual fees often cover membership benefits offered by cards. Some cards have high points per dollar offers, but when it comes to redeeming the points, they fall flat. Many cards will offer not only a welcome bonus, but an intro APR. What amount of time will the card offer that teaser rate?
Make sure you will be able to pay off any large purchases before the interest rate applies. If your business needs to carry a balance, looking for a card with low interest rates, or interest-free promotional periods, can save money. Is the card a charge card or a credit card? A charge card will need to be paid off monthly, while a credit card will allow you to carry a balance with interest. Make sure you know which type of card you are applying for and that it will best fit your needs.
Establishing business credit can be difficult, and some cards will require a personal guarantee. This means an individual, usually the one applying for the card on behalf of the company, will be held liable for any balances left unpaid on the card.
Most cards that let you apply online will let you know right away if you are approved. Be aware that with nearly all small business cards, just like with a personal credit card, you are personally liable for any debts accrued to the card.
A business credit score differs from a personal credit score in both the scoring system used and their intended purpose. A business credit score is on a scale from 1 to , with being the highest possible score. A personal credit score is a three-digit number, usually starting at and going up to For example, if you need to sign a lease on a bigger space for your business, add a new truck to your fleet or make a big purchase of supplies for your business, a potential lender will likely check your business credit score to determine your creditworthiness and what terms to grant you.
When you apply for a business credit card, your approval will be based on your personal credit score. The issuer will also take other factors into consideration, like your business income and credit history. In most cases, when you apply for a business credit card, your approval will be based on your personal credit score.
Dun and Bradstreet is just one of the credit bureaus that have a business credit score matrix. Most major banks will report to the main credit bureaus including Dun and Bradstreet, but it is always best to check directly with your bank if you have any questions. She has visited over 45 countries and lived in Thailand, China, and Ireland where her son was born.
Her kids have over 20 stamps in their own passports. Her passion lies in showing families how to travel more while keeping their savings and sanity. Her guidebook, Disney World Hacks, is a bestseller on Amazon. Select Region. United States. United Kingdom. All ratings are determined solely by our editorial team. Dia Adams. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.
The Discover offers on this page are no longer available on Forbes. After that, a variable APR applies, currently If you're willing to put in a little work, it's one rich card. Finally, if you have one of Chase's Sapphire cards, you can transfer your rewards to it for greater value and flexibility.
Activating and tracking the bonus categories can be a hassle. And it charges a foreign transaction fee, so it's not the best choice for international travel. And the top-notch checked-bag benefit can save hundreds of dollars a year if you travel often and not necessarily light.
You'll earn 2 miles per dollar spent on Delta purchases, at restaurants and at U. There's a great bonus offer for new cardholders, too.
And if you like to travel as a group, this card provides a free checked bag for yourself and up to eight other people traveling on your reservation. You also get priority boarding. Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U. Discover offers two fine cards for college students. You also get a free FICO score, low fees, and forgiveness for your first late payment.
Unlike with Discover's other student card, you don't have to "activate" your bonus rewards. There's also Discover's signature bonus for new cardholders. If you plan to travel internationally, make sure you have a backup plan. Just a dollar-for-dollar match. Earn rewards while building your credit history that can help you after graduation. No annual fee. No late fee on first late payment. No APR change for paying late. Over half a million students got Discover Cards from their friends' recommendations.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Although Hyatt isn't as big as its competitors, the outstanding value delivered by World of Hyatt Credit Card makes it worth considering for anyone who spends a lot of time in hotels. You earn 4 points per dollar spent with Hyatt, 2 points per dollar on an array of common spending categories see the product details tab , and 1 point per dollar on other spending.
Hyatt points are also worth significantly more than most other hotel points. There's a decent sign-up bonus, automatic elite status and more. Hyatt's relatively small footprint — about properties compared with 5, or more for other chains — means you won't have as many locations to choose from as you'd get with other hotel cards.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open. Get 1 free night each year after your Cardmember anniversary at any Category Hyatt hotel or resort. Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open. NerdWallet's ratings are determined by our editorial team.
The scoring formulas take into account multiple data points for each financial product and service. Best for Cash back — families groceries, gas, commuting, streaming.
Terms Apply. Earn 1X Mile on all other eligible purchases. Click the card name to read our review. Our pick for: Cash back — high flat rate. Read our review. And unlike competitors, there's no activation schedule or bonus calendar to keep track of. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year.
In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon. Category activation can be a hassle, but if your spending aligns with those categories and for most households, it probably will , you can rake in serious rewards.
You also get the issuer's signature "cash-back match" bonus in your first year. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores.
Our pick for: Cash back — families groceries, gas, commuting, streaming. The rewards it pays in those categories — particularly at U. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Love the night life but dead-set against paying an annual fee? It pays a lower cash-back rate on dining and entertainment than the regular Savor card, but the rewards are nevertheless quite good.
The sign-up bonus is smaller than on the annual-fee version, too, but it's still solid. Our pick for: Cash back — customizable rewards. If you don't mind putting some work into your rewards, check out the U. It might be the most customizable cash back card available. There's a good bonus offer for new cardholders, too.
You can find higher rates on dining, but not on cards with no annual fee. Our pick for: Travel rewards — flat-rate rewards.
The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases.
Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks. Our pick for: Travel rewards — bonus categories. The sign-up bonus is stellar, too. Our pick for: College students. You'll earn bonus cash back at restaurants and gas stations with no activation required and no rotating categories to keep track of.
This card for people with fair or "average" credit pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit. The key difference is that this version charges an annual fee while the regular one does not. Our pick for: Airline credit card. A best-in-class checked-bag benefit first bag free for you and up to eight others on your reservation , priority boarding and the opportunity to earn a flight credit each year make this card a bargain for Delta stalwarts.
Not a Delta flyer? See our best airline cards for other options. Our pick for: Hotel credit card. Hyatt isn't as big as its competitors, but World of Hyatt Credit Card is worth a look for anyone who spends a lot of time on the road.
You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared with rival programs. There's a great sign-up bonus, free nights, automatic elite status and more. Not a Hyatt customer?
See our best hotel cards for other options. Our pick for: Road trips. With a cash-back credit card , you earn rewards equal to a percentage of the amount you spend.
Your monthly statement will show you the rewards you've earned to date; you can also track your rewards online. Cash-back cards come in three main varieties: flat-rate, tiered and bonus-category. The simplest cash back cards earn the same percentage on every purchase, no matter where you use your card.
Examples include:. Every card has its own structure, designed to appeal to a specific type of consumer. For example:. Cards with bonus categories that change from time to time require more effort from you. You have to have to "opt in" or "activate" the bonus categories online. Some cards even let you or make you, depending on your perspective choose your own categories. Once you've opted in, spending in the bonus categories earns a higher rate, although the amount of spending eligible for the bonus rate is typically capped.
Common quarterly categories include supermarkets, gas stations and restaurants. Category options are subject to change, and you must make your choices each quarter. When a card pays bonus cash back in specific categories, you earn those higher rewards based on where you use your card , not what you buy.
If the category is "grocery stores," for example, then anything you buy at a supermarket will count — not just groceries.
Conversely, groceries bought somewhere else, such as at a drugstore, wouldn't qualify for grocery store rewards. Each merchant that accepts credit cards is assigned a category code by credit card networks like Visa. The code identifies the type of merchant it is, and these codes are what trigger your bonus rewards.
Despite the term "cash back," most people don't actually take their cash-back rewards in the form of, well, cash back. The easiest and most common thing to do is to apply your rewards to your account as a statement credit. This directly reduces the amount you owe. You're not getting literal cash back from the issuer, but less cash will be coming out of your pocket to pay the bill, so the effect is the same. Depending on the card, you could also get your rewards deposited directly into your bank account or receive them as a check in the mail.
Other cards have no minimum for redemption. With a travel rewards credit card , you earn points or miles every time you use the card, but you can often earn more points per dollar in select categories. Not all points and miles earned on travel cards are the same:. Although it's possible in some cases to transfer hotel points to airlines, we recommend against it because you get a poor value.
How do we value points and miles? With the rewards earned on general travel cards, it's simple: They have a fixed value, usually between 1 and 1. With airline miles and hotel points, finding the true value is more difficult. How much value you get depends on how you redeem them. To better understand what miles are worth, NerdWallet researched the cash prices and reward-redemption values for hundreds of flights. Our results:. Best Western. For details about our methodology, see our valuations page.
Our valuations are different from many others you may find. You should therefore use these values as a baseline for your own redemptions. If you can redeem your points for the values listed on our valuations page, you are doing well. How you go about cashing in your travel rewards depends on the type of card you earned them on and what you want to do with them. In most cases, you'll be redeeming either through your card issuer or through the loyalty program tied to the card. With a general-purpose travel card, you can usually use your points to pay for travel ahead of time by going through your card issuer's booking portal, which operates much like Orbitz or Expedia.
Many cards also allow you to turn your points into statement credit for travel expenses already incurred. With this option, you use your card to book travel however you want, and then wipe out the cost on your statement by applying your points to your balance.
You'll also go through your issuer's rewards portal to transfer points to airline or hotel programs.
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