Business Credit Cards

Why Use Chase Credit Cards High Limit-Low Interest Business Credit Card?

By: Susan Slobac

Business owners know that they can rely on Chase credit cards to offer them not only a high limit business credit card but also a low interest business credit card suitable for their critical business transactions. By keeping business expenses on one card, it is a simple matter to keep track of when it comes time to file tax reports. Chase credit cards also offer benefits and discounts that will help your business grow and thrive.

Several Chase credit cards offer a long introductory grace period of one full year at zero percent annual percentage rate when you make purchases or transfer balances from another credit card. In addition, they supply this service with no annual fee, unlike many other business credit card companies. The low interest business credit card can be particularly beneficial to businesses seeking to keep fee payments to a minimum in the long run as well.

Keeping track of business expenses for tax purposes is often a full-time job in itself. It is much easier when you use Chase credit cards, and restrict use of the card for business purposes solely. Chase makes tracking purchase records even easier for you because with certain business card offers they will make free quarterly reports available online. This means that anytime of the day or night, you can check in online and see exactly what your business is spending and for what purpose. In addition to taxes, this information is greatly helpful for making projections and budgets.

If you do a considerable amount of business travel, using Chase credit cards can ease worries during your trips. Many of the business cards come with emergency assistance and accident insurance for times when you are traveling, so you know that you are always covered even if you are away from your home business base.

A high limit business credit card from Chase also comes with other advantages. Ordinary business expenses for items such as office supplies and computer equipment are offered at deep discounts when you purchase them using your Chase credit card. Thes cards truly focus on the needs of business owners and provide the types of savings that will most benefit your company. Some Chase credit cards also offer cash back when you make business purchases at selected restaurants, gas stations, and hardware stores. Other cards offer points which can be turned in for rewards on any item that is purchased using the high limit business credit card. In addition, there are no restrictions on these rewards. All of these different types of Chase credit cards provide monetary benefits advantageous for any business.

About: Susan Slobac is a personal financial advisor specializing in helping individuals establish and improve their credit ratings and businesses seeking to build assets. She often advises her clients selecting high limit business credit card for business purchases. Source: Free-articles-zone.com

Business Credit Card Debt Consolidation

By: Cary Bergeron

When your business has more debt than it can handle, one option that you should consider before declaring bankruptcy is debt consolidation. Business debt consolidation allows your business to take all of your debts and put them into one loan. Often this lowers the amount you pay each month, giving you the chance to focus on growing your business and increasing your profits so you can pay off your debt.

Business debt consolidation gives you more control over your debts. Often you can determine a budget that includes how much you can realistically afford to pay for your business debts. Then, choose a consolidation loan that allows you to maintain this monthly payment amount. This way you will know exactly how much you need to pay each month towards your debt.

One major benefit of debt consolidation is that you will no longer have to deal with creditors calling your business. This frees you to focus on taking steps to increase your bottom line, instead of spending all of your time talking to creditors. It also protects your business assets from the collections process. You can focus on making the money you need to pay your creditors.

You may wish to use a business debt consolidation company to help you with this process. These companies can negotiate with your creditors for you, thus helping you focus on your business. They can lower your monthly payment and interest rate, thus giving you more money to spend on marketing your business. Your creditors are often more willing to work with these companies than they would be to work with you directly, because consolidation companies know how the industry works. If your business is facing bankruptcy in the near future due to overwhelming debt, seriously consider debt consolidation as an alternative.

About: Are you looking for more Financial Advice? How about Debt Consolidation or maybe you need some Bankruptcyadvice. Source: Ezinearticles.com

Compare Business Credit Cards

Advanta Platinum Business Credit Card With Rewards Review

By: Anthony Samuel

The Advanta Platinum Business card with Rewards is a business credit card giving you a choice between a cash reward program and a business reward card. What makes this card even more special is its low APR at prime rate minus 0.26% -7.99% along with it providing one of the best business transfer deals available in the market. The day you open your account you get an introductory APR of 0% on balance transfer for the first fifteen billing cycles and you don't even have to pay any annual fee even for your additional employee cards, if any finance charge is applicable at all, it is just $1. The Advanta Platinum Business Rewards Card's APR is probably the lowest APR for any business credit card and the balance transfer deal is also the longest of any business credit card available.

With the Advanta Platinum Business Card with Rewards you can choose between a cash rebate and rewards program. If you choose the cash back program the Advanta Platinum Business Card with Rewards gives you 5% rebate for gasoline or diesel purchases, computers, computer supplies, electronics and office supplies, utilities and telecommunications and you earn 1% rebate on other purchases too.

In fact you can earn up to $300 in annual rebates. If you want a taste of the rewards program you can earn one point for every dollar you spend on purchases. You can redeem your points for travel and shopping rewards and unlike the cash back program you have the advantage of earning unlimited points which are valid for 36 months. If you can accumulate 25000 points you are awarded a free roundtrip ticket within the continental US.

To apply for the Advanta Platinum Business Card with Rewards, all you need is a good credit and if your FICO score is close to or more than 782, the chances of your approval are outstanding. With the Advanta Platinum Business Card with Rewards depending on your credit worthiness you can get a credit limit of up to $ 50000 and special discounts of up to 25% at companies like IBM and Ramada Inn. It also gives you a grace period of 20 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on the statement.

While your balance transfer fee during the introductory period is 3% a minimum of $5 and a maximum of $ 50.00, your cash advance fee hovers at 3% a minimum of $5. You have to pay a late payment fee of $15 to $39 based on your balance, the over limit fee structure is also the same. With the Advanta Platinum Business Card with Rewards you have to pay a return payment fee, a dishonoured convenience check fee, convenience check stop payment fee and a balance transfer cancellation fee of $29 each.

You also have to pay the bank wire payment fee of $15, a foreign transaction fee of 3% and an annual program fee of $35 if you select the Business Rewards Program. You can select your payment due date and also the week and can pay the bill online fee of cost, thereby saving your time and money. You can also get online account access to help you manage your account. You can get online statements which can be downloaded to Microsoft Money, QuickBooks or Quicken and management reports as well.

The Advanta Platinum Business Card with Rewards gives you free primary vehicle rental insurance, automatic theft and damage protection and extended warranty coverage. With the Advanta Platinum Business Card with Rewards you get the one of the lowest rates in credit card processing as they have partnered with Express Merchant Processing Solutions (EMPS) and offer you a rate of 1.64% plus $0.25 per transaction.

Hence with the Advanta Platinum Business Card with Rewards you choose $0 fraud liability, along with choosing your business card design customized with your business name and also get customized business checks.

About: This article was brought to you courtesy of Anthony Samuel, the webmaster of http://www.apply-for-a-credit-card-now.com. A credit card directory where you can search, compare and apply for credit card offers from leading credit card companies as well as find tools and credit card articles to help you choose the right credit card. Source: Ezinearticles.com

Search, Compare And Apply For Credit Cards Online

By: Kelly Edwards

Are you tired of paying high interest rates on your credit cards? Would you like to find a better card offer? Are you having trouble finding a place to compare credit card offers? Would you like to speed up the process of applying for and getting a new credit card? Well, if you answered "yes" to any of these questions, I've got good news for you. You can accomplish any and all of these financial tasks from the comfort of your home using your personal computer and the Internet.

By navigating your web browser to the right websites, you can easily search for credit card offers, compare cards and then apply for credit cards online using a secure website form. You don't have to wait for the "best" credit card offer to show up in your mailbox. You can instead go directly to a website where credit card offers are categorized and listed for your convenience.

Typically, credit card review or comparison websites feature card offers from several banks and they are often displayed in categories that make it easy to quickly compare interest rates, fees, rewards and other credit card features. Some of the card categories include student cards, business cards, airline rewards cards, instant-approval cards and low interest cards.

Using a credit card comparison site to find the right credit card for your needs is a simple process. First you select the category which contains the type of card. For example, if you wanted a credit card for your business, you would select the "Business Card" category. The website would then present you with a page of business credit cards from which you could easily compare the various offers and make a selection. Clicking on your chosen card offer would then take you directly to the credit card issuer's secure online application form. You would then simply fill in the web form and submit your application directly from the web page. It couldn't be any simpler than that, could it?

Besides the simplicity of the online credit application process there is another great advantage to applying for cards online. The approval process for online credit card applications is much faster than applying the traditional mail-in way. With online application, approvals come in a matter of days rather than weeks. In some cases, approval can occur within hours or even minutes. That sure beats waiting for weeks, doesn't it?

What if you don't get approved for a particular credit card? Well, the good news is that the credit card comparison website has that covered. You will typically find many credit card offers from numerous banks on a credit card site. This allows you to quickly find another card offer you can apply for right away. Since the card sites are so quick and easy to use, with many offers to choose from, searching for and finding the right card, and then applying and getting approved, are very easily accomplished.

Finding a great credit card offer, applying for the card and getting approved for it have never been more simple. Using a credit card comparison website makes it a cinch. All you need to save time (and money) in the process is your computer and an Internet connection. Don't you just love modern technology?

About: Kelly Edwards writes about online money saving and money making resources for CreditCard2100.com and other websites. Source: Ezinearticles.com

Compare Business Credit Cards

Advanta Platinum Business Credit Card With Rewards Review

By: Anthony Samuel

The Advanta Platinum Business card with Rewards is a business credit card giving you a choice between a cash reward program and a business reward card. What makes this card even more special is its low APR at prime rate minus 0.26% -7.99% along with it providing one of the best business transfer deals available in the market. The day you open your account you get an introductory APR of 0% on balance transfer for the first fifteen billing cycles and you don't even have to pay any annual fee even for your additional employee cards, if any finance charge is applicable at all, it is just $1. The Advanta Platinum Business Rewards Card's APR is probably the lowest APR for any business credit card and the balance transfer deal is also the longest of any business credit card available.

With the Advanta Platinum Business Card with Rewards you can choose between a cash rebate and rewards program. If you choose the cash back program the Advanta Platinum Business Card with Rewards gives you 5% rebate for gasoline or diesel purchases, computers, computer supplies, electronics and office supplies, utilities and telecommunications and you earn 1% rebate on other purchases too.

In fact you can earn up to $300 in annual rebates. If you want a taste of the rewards program you can earn one point for every dollar you spend on purchases. You can redeem your points for travel and shopping rewards and unlike the cash back program you have the advantage of earning unlimited points which are valid for 36 months. If you can accumulate 25000 points you are awarded a free roundtrip ticket within the continental US.

To apply for the Advanta Platinum Business Card with Rewards, all you need is a good credit and if your FICO score is close to or more than 782, the chances of your approval are outstanding. With the Advanta Platinum Business Card with Rewards depending on your credit worthiness you can get a credit limit of up to $ 50000 and special discounts of up to 25% at companies like IBM and Ramada Inn. It also gives you a grace period of 20 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on the statement.

While your balance transfer fee during the introductory period is 3% a minimum of $5 and a maximum of $ 50.00, your cash advance fee hovers at 3% a minimum of $5. You have to pay a late payment fee of $15 to $39 based on your balance, the over limit fee structure is also the same. With the Advanta Platinum Business Card with Rewards you have to pay a return payment fee, a dishonoured convenience check fee, convenience check stop payment fee and a balance transfer cancellation fee of $29 each.

You also have to pay the bank wire payment fee of $15, a foreign transaction fee of 3% and an annual program fee of $35 if you select the Business Rewards Program. You can select your payment due date and also the week and can pay the bill online fee of cost, thereby saving your time and money. You can also get online account access to help you manage your account. You can get online statements which can be downloaded to Microsoft Money, QuickBooks or Quicken and management reports as well.

The Advanta Platinum Business Card with Rewards gives you free primary vehicle rental insurance, automatic theft and damage protection and extended warranty coverage. With the Advanta Platinum Business Card with Rewards you get the one of the lowest rates in credit card processing as they have partnered with Express Merchant Processing Solutions (EMPS) and offer you a rate of 1.64% plus $0.25 per transaction.

Hence with the Advanta Platinum Business Card with Rewards you choose $0 fraud liability, along with choosing your business card design customized with your business name and also get customized business checks.

About: This article was brought to you courtesy of Anthony Samuel, the webmaster of http://www.apply-for-a-credit-card-now.com. A credit card directory where you can search, compare and apply for credit card offers from leading credit card companies as well as find tools and credit card articles to help you choose the right credit card. Source: Ezinearticles.com

Search, Compare And Apply For Credit Cards Online

By: Kelly Edwards

Are you tired of paying high interest rates on your credit cards? Would you like to find a better card offer? Are you having trouble finding a place to compare credit card offers? Would you like to speed up the process of applying for and getting a new credit card? Well, if you answered "yes" to any of these questions, I've got good news for you. You can accomplish any and all of these financial tasks from the comfort of your home using your personal computer and the Internet.

By navigating your web browser to the right websites, you can easily search for credit card offers, compare cards and then apply for credit cards online using a secure website form. You don't have to wait for the "best" credit card offer to show up in your mailbox. You can instead go directly to a website where credit card offers are categorized and listed for your convenience.

Typically, credit card review or comparison websites feature card offers from several banks and they are often displayed in categories that make it easy to quickly compare interest rates, fees, rewards and other credit card features. Some of the card categories include student cards, business cards, airline rewards cards, instant-approval cards and low interest cards.

Using a credit card comparison site to find the right credit card for your needs is a simple process. First you select the category which contains the type of card. For example, if you wanted a credit card for your business, you would select the "Business Card" category. The website would then present you with a page of business credit cards from which you could easily compare the various offers and make a selection. Clicking on your chosen card offer would then take you directly to the credit card issuer's secure online application form. You would then simply fill in the web form and submit your application directly from the web page. It couldn't be any simpler than that, could it?

Besides the simplicity of the online credit application process there is another great advantage to applying for cards online. The approval process for online credit card applications is much faster than applying the traditional mail-in way. With online application, approvals come in a matter of days rather than weeks. In some cases, approval can occur within hours or even minutes. That sure beats waiting for weeks, doesn't it?

What if you don't get approved for a particular credit card? Well, the good news is that the credit card comparison website has that covered. You will typically find many credit card offers from numerous banks on a credit card site. This allows you to quickly find another card offer you can apply for right away. Since the card sites are so quick and easy to use, with many offers to choose from, searching for and finding the right card, and then applying and getting approved, are very easily accomplished.

Finding a great credit card offer, applying for the card and getting approved for it have never been more simple. Using a credit card comparison website makes it a cinch. All you need to save time (and money) in the process is your computer and an Internet connection. Don't you just love modern technology?

About: Kelly Edwards writes about online money saving and money making resources for CreditCard2100.com and other websites. Source: Ezinearticles.com

Business Credit Card Offers

Tips For Obtaining A Business Credit Card

By: Morgan Hamilton

The first thing that most businessmen will do in establishing businesses credit is to obtain a business credit card. It is important to know that these credit cards are not the same with credit cards for personal use. These credit cards can often be more important than your personal credit, so knowing as much as you can about them is indispensable. It is also vital to know what you should look for in a business credit card.

The majority of cards offers you will receive will be based on your personal credit and just have your name on them. This denotes that your business name will be added to your personal credit report and this card will report to your personal credit. You will be unable to build credit for your business.

If you want to find out about the nature of the credit offers you are getting, you have to discover the credit agency they report to. The common business credit agencies that credit card offers report to are: Experian Business, Business Credit USA, Equifax Business, and Dun & Bradstreet. If they report to anyone else then it will be based on your personal credit. Try to ask them for a business card. This will enable you to build business credit.

Business credit card benefits are not limited to initiating a business credit report. You will also be able to separate personal and business finances. It allows you to monitor your business purchases and keep a detailed record of everything buy on your credit card in your monthly statements. The biggest advantage will be evident at tax time when you will not be bothered by sorting through the mess of mixing business and personal records.

The other things that you need to examine in a business credit card are similar to what you would look for in a personal credit card. It would be good to compare interest rates and fees. Consider how you should use your card and the benefits offered by the credit card company. It would be wise to shop around and look for the card that will suit your business.

Having a business credit card will be useful for you and your business. It allows you to organize your finances and build a decent credit history for your business. To take full advantage of a business credit card, make sure that it is reporting to the business credit card agencies and is detached from your personal credit record. Try to find the best cards that matches your business and has good fees. Finding a good business credit card is in some ways similar to finding other types of credit card except it is exclusively meant for business purposes.

About: Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting Business Credit Card Source: Ezinearticles.com

Choosing A Business Credit Card That Fits Your Businesses Needs

By: Chad Nordaune

Choosing the best credit card for business owners is sometimes not the easiest task to achieve. To find the right creditcard, business owners need to know whether or not the business card offers rewards such as cash back and a low interest-rate. Detailed expense reports are important for tracking each individual employees expenditures.

Business owners that constantly fly may find an airlines miles business credit card to be the best choice, while on the other hand, a company that has a sales force traveling on the road may benefit with a gas rebate business credit card. Business cards offer up to 5% cash back on expenses such as office supplies, gas purchases, and other business to business-related expenses.

Several corporatecards offer 0% intro APR, which allows business owners an opportunity to raise capital for their business that they currently may not have. With extensive reporting business owners can track individual spending from each employee. This enables business owners time to focus on their business, instead of tracking employee expenditures.

Three of the most popular business credit cards are offered by Advanta, American Express, and Citibank. Advanta offers a 0% intro APR for up to 15 months, while Citibank offers a 0% intro APR for up to 12 months and very competitive interest rates.

Business credit cards can be ideal for small businesses, entrepreneurs, and large businesses as well. Many small-business owners agree that having a business credit card versus using a personal credit card for expenses is the best choice. Due to the fact that using personal credit can adversely affect your personal credit score as business credit scores are kept separate from personal credit scores.

About: CrediTimes.com Business http://www.creditimes.com/business.shtml offers businesses and consumers the resources to search and compare for the best credit cards online. Credit cards are reviewed and displayed by annual percentage rate, interest-rate, annual fee, and rewards. Creditimes has been online since 2005 helping consumers and businesses alike. Source: Ezinearticles.com

Credit Cards For Business

Advanta Business Credit Cards - Is Advanta Right For Your Business?

By: Ed Vegliante

Advanta opened for business in 1951. Its founder, Jack Alter, ran the company from a spare bedroom of his home. Today, more than 50 years after its initial start, the company has grown into a large corporation, specializing in credit cards for small business owners. If you have a company and are thinking about getting a credit card to help with finances, Advanta is one of the options you'll find. Here's a closer glance at the pros and cons of an Advanta business credit card.

Made for Businesses

Advanta cards are geared to small business owners, and many of their features reflect that. Some of them are designed so that all of the company expenses can be placed on just one account. This helps streamline operations, making it easier to calculate finances. The credit lines that Advanta offers are remarkably high for the credit card industry, reaching up to $50,000. You also may have the option of including your company's name on the card.

Comparable Rewards

If you do not usually carry a balance, you may be able to take advantage of some of the rewards that Advanta offers. A number of this company's cards include a reward program. With the Advanta Platinum BusinessCard with Rewards, for example, you can choose between earning cash back or points through purchases. With the cash back plan, you'll receive up to a 5% rebate on business-related items, such as computers, electronics, gas and diesel fuel, utilities, telecommunications, and online advertising services. You'll get 1% cash back on other purchases. If you choose the point system, you can earn one point for every dollar that you spend. The points can then be redeemed for travel items or pre-paid bonus cards.

Not for Everyone

While Advanta does offer specific benefits for small business owners, applying for a credit card through them may not be your best option. Generally speaking, you'll need a solid credit background to receive one of their cards. So if you have a history of credit trouble, you may want to look at applying for a different card.

The APR, or annual percentage rate, of many Advanta cards is reasonable. However, it is usually a variable rate, fluctuating with the prime rate. The card's rate is based on the highest prime rate during a 90-day period. This may mean higher interest rates on your card, depending on the status of the economy.

Read the Fine Print

Generally speaking, it's a wise idea to read through the attached terms and conditions before applying for a credit card. The same is true for Advanta Business credit cards. While they offer many benefits, they may have potential drawbacks as well. The reward plans or interest rates may not fit your business needs. If this is the case, search online for other options. Many websites carry a variety of cards geared toward small business owners.

Whatever you decide, take the time to carefully weigh the options before you apply. If Advanta has what you need, apply for the card. If not, find a card that suits your business and send in an application for it. When the actual plastic arrives in your mailbox, you'll have a card that can help advance, and not hurt, the small business you've worked so hard to create.

About: Click Here to Find Advanta Business Credit Card Offers.Ed Vegliante runs the website http://www.Credit-Card-Surplus.com, a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers. View more Credit Card Articles. Source: Ezinearticles.com

Instant Business Credit Cards

By: Kent Pinkerton

The need for start-up funds and additional capitalization cannot be underestimated since numerous countries are attempting to boost their economies by promoting entrepreneurship, small-scale industries, and business diversification among the business sector. As a result, banks and other financial institutions are offering different business credit card facilities with multi-functional features and a wide array of benefits for the purpose of providing capital and operational funding for all types of businesses and employees alike.

These credit cards are easily within reach, as they are mostly offered online and can be applied for and approved in real time. You simply have to go through a series of basic steps that generally include the following:

(1) Searching and evaluating Web sites of reputable card issuers to avoid the fraudulent use of information you are likely to give upon submission of application. This also includes taking into consideration the safety measures used by the card issuer's site, such as Internet security and stipulated terms and conditions on protection of privacy.

(2) Comparing and analyzing various credit card features and incentives, depending on what is beneficial and convenient for your business and employees. It is easier to use comparative tables citing individual card characteristics, advantages and disadvantages because you are able to see the similarities and differences of each card at a single glance.

(3) Completing the application form after deciding which credit card you want to use. Be sure to double-check the accuracy of data, especially if it pertains to business income, business tenure, business nature, number of business owners or incorporators, number of cards to be requested, etc. These are the primary factors a card issuer takes into account when determining your credit limit. For most major banks, it usually takes an average of 5-7 banking days to deliver your business credit card/s upon online approval. You can also contact your card issuer through the customer service group regarding the status of card delivery or any concerns regarding your credit card application process. Although the steps in procuring a business credit card are relatively easy, you must still be vigilant throughout the entire application and approval process to eliminate unnecessary hassles.

About: Business Credit Cards provides detailed information on Business Credit Cards, New Business Credit Cards, Secured Business Credit Cards, Bad Credit Business Credit Cards and more. Business Credit Cards is affiliated with Small Business Credit Cards. Source: Ezinearticles.com