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Building Credit For Your Business?
Do you have a business or planning to start a new one?
Worry-free because business credit cards is here to help you all the way. Manage your business income and expenses with the use of business credit cards. Avail discounts and great bonuses on your business purchases. To find out more amazing benefits of business credit cards, check out: Business Credit Card Site.
Contents at a Glance
- Why Business Credit Cards are important to Businesses?
- Fingerprints Credit Card Payments, what is it?
- Small Business Credit Cards vs Unsecured Business Line of Credit
Why Business Credit Cards are important to Businesses?
The first reason why business credit cards play an important role in businesses is because it separates your business funds from your personal money. Using your personal credit card for your business expenses can be a problem with accounting and paying your taxes. But with using a business credit card, you can easily monitor your accounts and calculate your taxes effectively.Business credit cards provide you quarterly and yearly summary of their accounts detailing all the purchases you have made, in which is a great help for the company's bookkeeping and accounting tasks.
With the use of business credit cards, you have the option to give additional cards or extension cards for employees which helps to keep track and control spending on all their business purchases. You can be sure that all charges in your employees' business credit card are spent on official business expenses since all of the charges will be reflected in the account summary.
Just like the personal credit cards, business credit cards also give reward programs to business owners and entrepreneurs. Reward programs such as Travel Miles Program, Gas Reward Program, Cash-Rebates or Cash-Back Programs enable a business to get discounted rates with their office supplies, software, shipping, travel, and other business expenses. More importantly, you can gain points during business purchases which entitles to great rewards and bonuses such as for travel, gas or cash bonuses.
Finally, business credit cards build credit for your business. It can be use to provide a temporary fund for a business without waiting for a bulk of cash to come in hand. As your business grow, your needs increases. Having an established business credit history will make it easier for you to acquire business loans from lenders. The sooner you build your credit, the better your business flows.
Fingerprints Credit Card Payments, what is it?
Have you heard about fingerprint cards? What is this new system and how does it work? Can fingerprint payment be really the solution to fraud?As technology evolves, new programs are developed for security purposes. Also, technology place an important role as it makes task more easier in our part. That's why banks and financial companies find new and better payment systems that do not only provide purchasing power and convenience, but protection against fraud and identity theft as well. In this article, you will discover the new trend in payment, the Fingerprint Cards. Find out who it works and how it can be a solution for Identity Theft.
Read More: What are Fingerprint Cards
Please FEEL-FREE to leave a comment on the site on what do you think about Fingerprint Cards. Thank you.
Small Business Credit Cards vs Unsecured Business Line of Credit
A bigger credit line becomes necessary as the business continues to grow. The reason for this is that it helps the business regulate its cash flow and keep up with the demands.
Unsecured line of credit gives you financing when you need it most. An unsecured line of credit offers the flexibility of a business credit card but with lower interest rates and a bigger credit limit. With an unsecured line of credit, the risks associated with allowing your assets to be used for security are avoided. Compared to applying for a business loan, getting an unsecured line of credit is a lot easier.
An unsecured line of credit is the perfect financing for your business to make sure you make payroll on time, pay your vendors on time to avoid penalties, or increase marketing initiatives to bring in more business.
Small business credit cards are very flexible and easy to obtain especially for start-up businesses. Today, small business credit cards are widely accepted as payments to suppliers. This enables a small business to keep stock with the materials needed for its production.
Unsecured line of credit gives you financing when you need it most. An unsecured line of credit offers the flexibility of a business credit card but with lower interest rates and a bigger credit limit. With an unsecured line of credit, the risks associated with allowing your assets to be used for security are avoided. Compared to applying for a business loan, getting an unsecured line of credit is a lot easier.
An unsecured line of credit is the perfect financing for your business to make sure you make payroll on time, pay your vendors on time to avoid penalties, or increase marketing initiatives to bring in more business.
Small business credit cards are very flexible and easy to obtain especially for start-up businesses. Today, small business credit cards are widely accepted as payments to suppliers. This enables a small business to keep stock with the materials needed for its production.
Choosing the right credit card for your business?
Wondering how to choose a good small business credit card?Today, small business credit cards come with a variety of features to choose from, and it makes it difficult to choose the best one for your small business. You must consider first what the company will use most often and if they are worth using and having, before applying to a card.
Here are a few credit card perks to consider, as well as some basic distinguishing characteristics of small business credit cards.
* Cash Back Credit Cards
* Mileage Credit Cards
* Expense Tracking and Bookkeeping
* Business Credit Cards for Employees
* No Annual Credit Card Fees
* % APR Balance Transfers
Before applying for your business credit card, examine carefully the terms and conditions that are stated on the credit card's agreement form. Make sure that you read all the obligations you will have if you'll be approved by a credit card company.
FEATURED CARD: Advanta Platinum with Rewards Customized BusinessCard
* 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 card, plus logo or other image!
APPLY NOW or REVIEW
Advanta Platinum with Rewards Customized BusinessCard
CitiBusiness Card
* Quarterly and annual account summaries
* Manage your account online
* No annual fee
* Savings on everyday business purchases
* See terms and conditions
APPLY NOW or REVIEW
CitiBusiness Card
CitiBusiness Card with ThankYouSM Network
* 10,000 ThankYouSM Points after $250 in purchases, redeemable for a $100 gift card
* 3 ThankYou Points for each dollar spent on eligible purchases at certain office supply merchants and on professional services.*
* 1 ThankYou Point for every dollar you spend on other purchases.*
* No Annual Fee
* Additional cards for employees with credit limits you set.
*See Terms and Conditions
APPLY NOW or REVIEW
CitiBusiness Card with ThankYouSM Network
Citi ProfessionalSM Card with ThankYou NetworkSM
* 10,000 ThankYou® Points after $250 in purchases, redeemable for a $100 gift card*
* Get 3 ThankYou Points for every dollar you spend on purchases at restaurants, gas stations, on auto rentals and at certain office supply merchants*
* 1 ThankYou Point for every dollar you spend on other purchases*
* Online Expense Organizer helps track, categorize and report expenses for billing, reimbursement and taxes
* No Annual Fee
*See Terms and Conditions
APPLY NOW or REVIEW
Citi ProfessionalSM Card with ThankYou NetworkSM
Advanta Platinum BusinessCard
* Prime + 5.99% Variable APR thereafter
* Up to $50,000 Credit Line
* No Annual Fee
* $0 Fraud Liability
* Personalized card -- your company name on the top of the card
* See Credit Card Offer Terms
APPLY NOW or REVIEW
Advanta Platinum BusinessCard
Advanta Life of Balance Platinum Card
* Choice of 6% 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
*See Terms and Conditions
APPLY NOW or REVIEW
Advanta Life of Balance Platinum Card
Advanta Platinum BusinessCard with Rewards
* Choice of 5% Cash Back or Travel Rewards
* No Annual Fee and No Limit on the total rewards you can earn
* $0 Fraud Liability
*See Terms and Conditions
APPLY NOW or REVIEW
Advanta Platinum BusinessCard with Rewards
Chase Visa Platinum Business Card
* No Annual Fee
* Balance Transfer Savings
* Valuable Cardmember Services
* Zero Liability on Unauthorized Purchases
* Online Account Management
* Year-End Summary Statement (upon request)
* Emergency Cash and Card Replacement
* Lost/Stolen Card Reporting
* Travel Accident Insurance
* Auto Rental Collision Damage Waiver
* Warranty Manager Service
* Baggage Delay
* Purchase Security & Extended Protection
*Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.
APPLY NOW or REVIEW
Chase Visa Platinum Business Card
Chase Business Rebate Visa Card
* 1% Cash Back on all other purchases
* 0% APR for up to 12 Months* on purchases and balance transfers
* No Annual Fee
*See website for terms and conditions
APPLY NOW or REVIEW
Chase Business Rebate Visa Card
Capital One Business Platinum
* No annual fee
* Free year-end summary
* Free employee cards with individual spending limits you set
*See website for terms and conditions
APPLY NOW or REVIEW
Capital One Business Platinum
Capital One Business Platinum with No Hassle Miles
* 1 mile per dollar spent on purchases
* Redeem miles for cash back, gift cards, flights and more
* No Annual Fee
* Free employee cards with individual spending limits you set
*See Website for complete terms and conditions
APPLY NOW or REVIEW
Capital One Business Platinum with No Hassle Miles
American Express SimplyCashSM Business Card
* Earn 1% cash back on virtually all other purchases
* Cash back is automatically credited to the statement each month
* 0% intro APR for up to 12 months
* Additional Cards have no annual fee
* Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
*See Terms and Conditions
APPLY NOW or REVIEW
American Express SimplyCashSM Business Card
Blue Cash for Business Credit Card
* There's no limit on the cash back you can earn
* Earn cash rewards on purchases made by Additional Cardholders
* 0% Intro APR for 6 months
* No annual fee
* Option to pay over time or pay in full
* Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
*See Card Terms & Conditions
APPLY NOW or REVIEW
Blue Cash for Business Credit Card
American Express Business Green Rewards Card
* No pre-set spending limit* or finance charges
* Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates
* Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
* Redeem points for top-tier rewards including travel, merchanidse, office equipment, and gift cards for you or your employees
* No annual fee for the first year - a savings of $95
*See Card Terms & Conditions
APPLY NOW or REVIEW
American Express Business Green Rewards Card
Discover Business Card
* 5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
* No Annual Fee
* Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
* Free employee cards with customizable limits and monthly reporting on their spending
*See Terms and Conditions
APPLY NOW or REVIEW
Discover Business Card
New Business Credit Card Articles:
Pointers on Applying for a Business Credit CardBusiness owners are all faced with financial challenges. The need for financial assistance isn't just for new, start-up businesses, or even long time businesses and large corporations seek business funding assistance at one point or another. Today, banks and financial institutions offer more than one way of providing financial help.
Business credit cards are now popularly used in the business industry. Many business owners prefer to obtain business credit cards because they are easier to get approved for and offer flexibility and convenience. Are you a business owner? Have you thought about getting a business credit card yourself? If so, this article will give you some tips on how to apply for a business credit card and get approved without hassle.
Read Full Article: Pointers on Applying for a Business Credit Card
Track Your Business Expenses with Business Credit Cards
Are you a business owner or do you have plans of venturing into business? If yes, then this article is for you. It doesn't matter whether your business is old or new, or what type of business you're into- if you're in the business industry, you should take advantage of the benefits of business credit cards. Why is a business credit card a must for every business owner?
Track Your Business Expenses Efficiently
Primarily, business credit cards help a business manage its finances more efficiently. For instance, tracking business expenses can prove to be a challenge. Keeping inventory of the costs and making sure that not a single cent is missed involves a lot of work. However, this task is made much simpler with the help of business credit cards.
Read Full Article: Track Your Business Expenses with Business Credit Cards
What's in a Business Credit Profile?
You may already be aware of the contents of your credit history and why it is important for you to keep your credit in excellent level. In the similar way, a business credit history plays a big role in the success of your business. In this article, we'll be discussing more about your business credit profile and what you can do to keep it good standing.
Establishing Your Business Credit History
What every business owner starting up a business must first do is establish a separate credit history for the business. This can be accomplished by applying for a tax ID number or a D-U-N-S number from Dun&Bradstreet. D&B is a credit reporting agency that exclusively caters to businesses. Experian is another credit reporting agency that services both individuals and business.
Read Full Article: What's in a Business Credit Profile?
Thank you for visiting my lens. Come back again! ^__^,/*
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LisaKnowsTheSecret
Hi Gabby, this is a great insight into business credit cards, you've really opened my eyes to what's on offer specifically for businesses. Five stars from me. Posted May 14, 2008 |
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JohannTheDog
Great info! Thanks for visiting me! Woofs, Johann Posted May 12, 2008 |
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Karendelac
5 stars for you. Posted May 12, 2008 |
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funcoolcollectibles
Good informative lens! Posted May 09, 2008 |
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The_Scrooge
Wow great info! Will definitely check out some of these cards :) Absolute 5 stars! Posted May 09, 2008 |
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- Effective Ways in Building a Business
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- Business Credit Card Processor, what you should know about it?
- What particular features should you look for in your credit card processor and how can you use it more effectively? This article will give you ideas and tips when looking for a Business Credit Card Processor.
- Valuable Tips you need to know about Business Credit Cards
- The advantages of Business Credit Cards and some Valuable Tips you need to know when choosing the right card for your business.
- Business Credit Cards for businesses, why it is useful?
- Why Business Credit Cards Are Useful To Your Business? Find out the reason and the benefits it can give to businesses.
- What you need to know about Fingerprint Cards
- Everything you need to know about Fingerprint Cards and whether it is safe to use. Also, discover its advantages of using it.
- How the Unsecured Line of Credit Can Help Your Business?
- There are different ways in which a business can obtain the financial resources it needs. One of this is the Unsecured Business Line of Credit. In this article, it tells what you need to know about this helpful tool in building business credit.
- Take Advantage of Small Business Credit Cards with rewards
- Do you know how to make most of your business credit card rewards? Find out the different rewards the business credit cards offers and how it most suited to your business needs and reap the rewards you deserve.
- Business Credit Card Debt Consolidation - getting out of debt
- Getting out of debt? Then Business Credit Card Debt Consolidation is the answer. Find out how it helps business financing and the methods of business debt consolidation.
- The Advantages Of Using a Business Credit Cards
- Do you own a business too? How business credit cards helps your business? Here are the advantages that a business credit card can give you.
Another Full Year of Housing Pain?
source: Yahoo Finance
by June FletcherDon't look for the housing market to improve until the daffodils bloom next spring.
For home sellers, the continuing pain means that that homes likely won't sell unless they are well-kept, priced below the competition and are marketed aggressively. Adding incentives like seller financing or lease-options can help bring in buyers who are having trouble getting conventional financing.
The latest S&P/Case-Shiller Home Price Index shows that new and existing home prices fell 12.7% in February from a year earlier.
Recessions Are in the Eye of the Beholder
source: Yahoo Finance
by Ben SteinHow many times have you been witness to an event and then read about it in the newspaper later? How many times would you say the newspaper reported the event as you witnessed it?
If you're like me, truthful, accurate reportage is a rarity in your experience when compared with, well, with your experience.
Reports of Recession Greatly Exaggerated
This is as true of giant national events as it is of neighborhood ones. I've been involved in many of these big events, from Watergate to the Drexel/Michael Milken junk bond scandal. The media simply never gets it right. They give an impression, highly colored by the inexperience, bias, and laziness of the reporter. Most of all, in national events, the reporting is based upon the reporter's urgent need to magnify his or her own importance. This is only human, but it's good to recognize it.
Turn $451 a Month Into a Million Bucks
source: Yahoo Finance
by Kiplinger.comIf you're 30 years old, you need to set aside $448 per month for next 35 years to become a millionaire -- if you earn a reasonable 8% annualized return in a retirement account. Don't have $448 to spare -- or even $248? Maybe you do and don't realize it. Let's take a look at how you can come up with the cash.
Save $219 Per Month on Taxes
Here's How: The average refund for the 2008 filing season so far is about $2,500. If you received an average refund and you are in the 25% federal tax bracket, you could be entitled to three extra exemptions worth $3,500 each. That would boost your take-home pay by $219 a month. A couple of reasons you might be eligible for more exemptions: becoming a new parent or buying a house.
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