Low Rate Business Credit Card

Low Rate Business Credit Cards
Business Credit Cards continued ...

In today’s economic climate, it has never been more important for a business to have credit. One of the best ways to build credit within a business is to obtain a low rate business credit card.

This type of card is beneficial for just about any type of business, for many different reasons. A low rate business card helps to keep business and personal expenses separate, and it helps you to improve credit ratings by quickly repaying outstanding debt on a monthly basis.

Taking advantage of a low rate card can also save your business a significant amount of money over the course of a year as well.

Today, the most popular type of low rate business credit card is one that offers zero percent financing. This rate is usually valid for a limited amount of time, typically from six to twelve months, before it then expires.

When the rate finally does expire, a more average interest rate will take effect, although it is usually still more reasonable than other forms of credit. For individuals with at least a good credit rating, there should be no problem obtaining a low rate business credit card. Taking the time to monitor you credit score and make improvements where necessary can only further your chances of receiving an ideal rate.

When shopping for a low rate business credit card, you may still be wondering what a reasonable interest rate is following the introductory period. Prior to the global economic recession, a good interest rate was nine percent or less. Today, this is very hard to find; look for a rate of eleven to twelve percent. This may take a bit of searching, but these rates are available.

A low rate business credit card is a necessity for any type of business owner. It will provide you with a line of credit that you can access as needed, as well as provide a cushion of knowing extra funding is available. The lower interest charges will only further help to improve your bottom line over the course of the long run. NEXT TAB >

What Makes the Best Credit Card for Young Professionals

You are just starting out in the world of business. Image is everything. Credit cards are often the tool that many professionals turn to as a way to give them the flexibility to spend on those great looking suits and to dine with the powerhouse group in the company at expensive lunches.

There are some great credit cards out there that can truly be a good investment for the young professional. If that is you, know what to look at before you invest.

Choose For You

The biggest factor to consider is the actual features of the card that work for you and for your particular goals. Each person is different, from the credit score following them around to the actual features needed.

If you travel frequently, perhaps to business meetings around the world, chances are good you will benefit from having a credit card with travel rewards. It can help you to rack up the miles and save money on travel costs.

If you do not travel frequently, on the other hand, having this type of credit card can hurt you. The reason is simple: the high annual fees and interest rates can hurt those who need to carry at least a small balance from month to month especially when you will not benefit from the rewards program.

As you can see, a situation like this could pose a problem for even the best young professionals out there. So, the question many are asking is what they should be investing in. The following tips may help you to choose the right offer for your needs.

Be sure the card offers a rewards program that has real benefits for your particular lifestyle and needs. Look for big bonus offers, too. Some credit card companies are happy to offer you a large bonus just for signing on or they may offer a higher percentage of cash back.

Know the grace period and the interest rate of the card. If you want to keep costs as low as possible, you need a long grace period with a low interest rate, especially if you plan to carry a balance month to month.

If you are able to deduct some of your expenses on those lavish lunches on your taxes, or your boss may reimburse you for them, be sure to choose a credit card that gives you the buying power you need. A large limit may be necessary, though some companies are focusing on business credit lines that allow associates to access the same line of credit.

As a young professional, having access to the right credit limit is only possible if you maintain a good credit score. Make purchases wisely. Know what the card offers and what it does not that other cards do. The fact is young professionals can find themselves able to handle the expenses of corporate life without having to spend too much on credit card fees. The right card can actually help you to get more money back for your usage.

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Ink Cash℠ Business Card

$250 cash back bonus after you spend $5,000 within 3 months!
5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
2% cash back on the first $25,000 spent annually on gas and dining
1% cash back on all other card purchases with no limit to the amount you can earn
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee*

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% Introductory APR for 6 Months for Purchases, Balance Transfers	13.24%%	$0	Business	Excellent

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Ink℠ Classic Business - Up to 25,000 Bonus Points

25,000 bonus points after you spend $5,000 in the first 3 months!*
5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
2X points per dollar on the first $25,000 spent annually on fuel and dining*
1 point per dollar on all other card purchases with no limit on the amount you can earn*
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% for 6 Months for Purchases, Balance Transfers	13.24%	$0	Business	Excellent

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AT&T Universal Business Rewards Card

Designed for businesses with an established credit history
0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
Additional cards for employees with credit limits you set
No Annual Fee*

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% Intro APR for 6 Months for Purchases	14.24% Variable	$0	Business	Excellent/Good

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Capital One® Spark℠ Miles for Business

Earn 2 miles per dollar on every purchase, every day
Get 10,000 bonus milesjust spend $1,000 within the first 3 months
Receive 5,000 bonus miles by signing up for one or more employee cards
Enjoy exclusive, award-winning customer service
$0 intro annual fee for the first year; $59 after that
There's no limit to the amount of miles you can earn and miles don't expire
Redeem miles for travel, cash back, gift cards, merchandise, and more
Fly on any airline, anytime, with no blackout dates or seat restrictions

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
No introductory rate available. for	13.9% (V)	$59*	Business	Excellent

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Capital One® Spark℠ Classic for Business

Enjoy no annual fee
Build business credit with eligibility for an automatic credit line increase
Earn 1% cash back on every purchase, every day
Separate business expenses from personal expenses
$0 Fraud Liability if your card is ever lost or stolen
Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service.

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
No introductory rate available for	22.9% (V)	$0	Business	Average/Fair

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