I am self employed and would like to have a credit card on hand for business purchases. right now I use my "regular" credit card.
I'd get the card that will pay you the most cash back (or other reward) for your expected business spending. For example the Capital One Venture for Business card basically earns you 2% in travel rewards on all your spending. or the Ink Cash(SM) Business - $100 Bonus Cash Back card will earn you 3% cash back on all your spending at restaurants, home improvement stores, and office supply stores; and 1% everywhere else.
You might want to try this credit card rewards calculator to see which card will pay you the most for your business's expected spending profile:
http://www.creditcardtuneup.com/?card_ty…
That calculator will also try to find the best combinations of cards if you're interested in maximizing your rewards with two cards or three cards.
Gen,
Congratulations on being self-employed. It's hard work, but worth it.
In answer to your question, most companies that claim to provide a "business" credit card will base it entirely on your personal credit profile. but Wells Fargo is generally friendly to small businesses, as is Wachovia. Stay away from Capital One and Citibank if possible.
What you really want to do is avoid using your personal credit for your business as soon as you can. Your personal individual credit should be used for your personal, individual things -- like your home, car, your kid's braces. NOT your business.
What you need is the information on how to establish credit in the name and EIN of your business. It's a process and if you do it correctly, step-by-step, then in 6 to 12 months, you can have access to thousands of dollars in business credit lines.
I have a new ebook on the subject: Money in the Bank: a Step-by-Step Guide to Establishing Business Credit, available on my website, SuccessPointConsulting.com
I have been helping small business owners for 11 years now, and believe me, if you can get your business credit profile in shape, you'll never have to worry about money.
Good luck to you.
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You should definitely look into getting a rewards card for business purchases.
Best Credit Card Rewards - Naughty and Nice
Nice dude, nomad status. You should open up a card to just use and repay every month in full so you never get interest charges. Build your credit up just in case, and rape some credit card rewards programs while you're at it.
I wish this never happened. But, I also wish the government would issue some statement - so many people did this when the stuff was rampant and the disgrace is manifest - but, can we please stop wasting money chasing these discredited "athletes" and focus the wrath of the the prosecution on the slime who resold the toxic mortgage paper as "investment grade" - put them in jail (instead of awarding them bonus cash) and let's move on.
2 – I still have my first set (T-Fal?) that I got for free through a credit card rewards program over 5 years ago. The non-stick surface is scratched and some pots have lost it’s circular shape, such that the covers don’t close securely.
Obviously you don’t pay attention to RIMs quarterly financial calls which clearly state consumer vs. business purchases.
Citi Dividend Card! Earn $100 bonus cash back & get great low intro rate on balance transfers/purchases.
As for the claim that regulations don't hurt people? Just ask those who can't get credit card rewards programs anymore, those who carry a balance (who saw their rates skyrocket since you can't change them as often anymore), those who rely on debit cards (swipe fee limitations are reducing max debit card transations for several banks)...
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Credit card rewards disappoint Bankrate.com: Rewards are a key factor that consumers might well consider when t...
Landlady Barbara Haigh has a rewarding approach to her operations: she collects Nectar points on her business purchases
I would normally say this isn't common in the states but last year someone gave me a free plane ticket to Washington DC for the big rally everyone made a big fuss over. I think it's due to credit card rewards and frequent flyer miles. People sometimes qualify for free flights that they aren't going to ever take so they just give them away.
I could be dwrong but I think the primary market for EA is consoles. I don't think EA gives a thought to PC gamers, except in porting their games over in the hopes of some bonus cash.
While I agree that people should not incur sustained debt for credit card rewards, I completely disagree with your conclusion that rewards are thus not worth getting.
Uncharted 2 does offer the incentive of giving you bonus cash if you have a save game for the original game on your console. I believe it's $20k for any sort of save file and an additional $80k for completion on any difficulty level, hope that can help convince you to play through the first game. Oh and it's kinda fun as well haha