Day: October 15, 2020

Streak (YC S11) is hiring experienced support specialists

Article URL: https://www.streak.com/careers/support-specialist-remote

Comments URL: https://news.ycombinator.com/item?id=24775560

Points: 1

# Comments: 0

The post Streak (YC S11) is hiring experienced support specialists appeared first on ROI Credit Builders.

Facebook's Conservative Emergency

A report shows how fake news fears are exploited to promote censorship.

How to Use Promoted Videos to Generate More E-commerce Sales

Organic and promoted videos serve multiple purposes for consumers in their increasingly multi-channel B2C journey.

More than half of the participants said they switched between search and video channels (Google and YouTube) to make an informed decision about a purchase in a YouTube study.

But it’s not just YouTube—Instagram’s video content consumption has shot up by 80%, and Facebook users consume one million hours of video content every day.

All these platforms—along with most other social media sites—are ones consumers go to regularly. So as online sellers, these should become your go-to places for running promoted video content. In one study, US online shoppers said they expect to see at least three videos connected to each product when making an online purchase.

But how do you use promoted videos from paid campaigns that translate to tangible results for your e-commerce store?

Create Your Promoted Video E-Commerce Goals

Goals of promoted videos for e-commerce businesses mostly come down to these three:

  1. Increasing brand awareness: -This essentially means if you make and sell, say, scarves, people looking to buy scarves know about you. Promoted videos are a great tool for building brand awareness as people are increasingly discovering new products through videos. In a YouTube survey, more than 90% of shoppers said they’d found new products and brands on the platform.
  2. Boosting consideration: You want to know if people looking for scarves and checking you out are actually considering buying from you. When done right, promoted videos can push your “aware” audience base to the consideration stage. More than 50% of shoppers say online videos have “helped them decide which specific brand or product to buy.”
  3. Generating more sales: YouTube’s “which product to buy” video watch time doubles each year.  Promoted videos can give shoppers the push they need to choose your product.

Translate Your Promoted Video Goals Into KPIs

Take your goals for promoted videos and choose KPIs that reflect them.

Bigger e-commerce brands often use KPIs like ad recall, message association, and purchase intent, among others.

However, if you’re just starting out or are in your early stages of growth, these KPIs won’t make so much sense for you. Instead, you should map your goals to the more “real” KPIs, like upper funnel metrics like views and impressions, middle funnel metrics like watch time and view-throughs, and bottom-funnel metrics like click-throughs, signups, and sales. (Here’s a primer on e-commerce attribution modeling that can help you with this.)

Analytics in most video platforms will report on the general performance of your promoted videos, including:

  • Views
  • Watch time
  • Clicks
  • CTR
  • Engagements
  • Unique viewers
  • Viewership

Different video platforms have different ways of calculating these metrics. For instance, watch time of three-seconds counts as a view on Instagram (where video content maxes out at 60 seconds), whereas for YouTube,  a view happens when someone watches the video content for at least 30 seconds.

Tap Into Your Users’ Moments of Need

Now that you’ve taken care of the “business side” of using promoted videos for your e-commerce business, it’s time to look into the “people side.”

One way to go about this is to tap into the idea of “moments of need” that drive video search and consumption. These are the things consumers want at this exact second.

The four key micro-moments of needs you must factor in when planning video content for paid promotions are:

  • I-want-to-watch
  • I-want-to-do
  • I-want-to-know
  • I-want-to-buy

These micro-moments represent opportunities for engagement, and videos fit seamlessly into them.

For example, if you sell skincare products, you could run a sponsored video on YouTube that targets users in your target market who also Googled “skincare products,” capitalizing on an I-want-to-buy moment. Google’s research has found advertisers who use YouTube video ads and Google search ads report 3% higher conversion rates and a 4% lower search cost/acquisition.

Or you could target broader audience segments and educate them about their top relevant concerns (ingredients, benefits, etc.). This is geared toward the I-want-to-know moments.

When you brainstorm ideas for videos using moments of need, don’t only think in terms of pitching your products. Some of these moments aren’t moments of buying but opportunities to connect with your users via meaningful video content.

The idea is to meet your users with relevant video content wherever they are in their buying journey with you—unaware, considering, or ready-to-buy.

Identify What Drives Your Users to Different Video Platforms

Each video platform has a unique video consumption pattern driven by the viewers’ intents.

For example, Pinterest users appear to have an appetite for “inspirational” video content, with searches for this content increasing 31 percent. “Inspirational,” in this context, means things like how-to guides and backstories of companies and products, making this platform great for “I-want-to-know” and “I-want-to-do” moments.

For YouTube, on the other hand, the top four content categories are comedy, music, entertainment/pop culture, and “how to.” And, 68% of their users take this information and make purchase decisions—so, you can find all sorts of opportunities to use “moments” on this site to make your sales.

It’s also worth exploring how a user engages with the platform you’re using to promote your videos. Pinterest, for instance, serves as a wishlist for many users, as people save images and videos from all over to their personal pages. Meanwhile, a customer who uses YouTube may watch videos to learn how to use a product they want.

Instagrammers’ “moments” can fall into any category, but they want to use the information right now. When you create videos for Instagram, they need to be fast, informative, and provide easy purchasing information.

Before you pick a platform, dig into its demographics and research data. This information can help you set expectations for your promoted videos.

Optimize Your Video Content For Paid Campaigns

When it comes to creating video content you’ll pay to promote, the only rules are the ones mandated by the video platforms. These rules are about the formats supported and the approval policies, plus a few best practices.

Content-wise, there’s no one right way to do video. You need to know your company, your audience, and what works for similar brands.

For one brand, simply using stock photos, text, and music could do the trick.

Another brand might do better if they use video showing a product in action.

While there’s no one single way to create videos that work, some video types more consistently deliver results when promoted:

  • Product explainer videos: Sometimes simple product explainer videos—videos showing products in action—work as excellent content for promoting.
  • Storytelling/Sneak peeks/Behind-the-scenes videos: For some platforms, like Instagram, video content that tells a story, gives viewers a preview of new products, or shows them how things were created or who the workers are can generate great ROI.
  • How-tos: How-to videos directly address the “i-want-to-do” moments and often offer opportunities for showing products in action.
  • Unboxing and haul videos: Depending on your product(s), unboxing, or haul videos, too, can work well in paid campaigns. These are videos showing customers opening their new purchases and talking about their initial responses to the items.
  • Shop with me: In a two-year period, the watch time for “shop with me” videos increased tenfold on mobile alone, making this yet another video content type that can work well when promoted. These are videos where influencers literally share their shopping experiences with viewers.
  • Videos answering the “W” questions: Video consumers often have “W” questions— “what to buy?” “where to buy,” and “when to buy?” This may also include, “who should I buy this for?” Depending on your paid video campaigns’ goals, these questions can make good jumping-off points for promoted videos.

The above ideas for promoted video content may often overlap with the video content you’d produce for typical partnerships—but not always. It’s common for brands to create content specifically for partnerships and use it in addition to their other ads.

Alongside these promoted ads and partnerships, UGC (user-generated content) and testimonials can act as good ideas for promoted video content.

No matter what video type you choose, you need a video creative brief to prepare for your campaign. Below, Nic Burrows from Google shares a simple yet effective creative brief you can use to create compelling videos.

His template forces you to think about and research every aspect involved with creating useful, action-inspiring videos:

Promoted video optimize your video content

You can download your copy here (no opt-in needed).

To learn how to make your video content pop, Ben Jones and his team from Google review 1,000 video ad creatives each month and share how brands can improve. Check it out here:

Experiment With Your Promoted Videos

Like your other marketing assets, experiment with your promoted videos to know which ones drive the most revenue.

You can test pretty much everything, from your video’s length and opening sequence to the background music and interactive elements.

You’ll be surprised to realize significant savings with even simple experiments, so don’t shy away from trying all sorts of different things.

For example, when the coffee and bakery brand Dunkin’ experimented by creating an Instagram video ad with poll stickers and another version without them. By comparing these two concepts, they discovered a 20% lower cost per video view for those with stickers.

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Avoid testing too many ideas in a single experiment because you likely won’t be able to tell why the winning version succeeded.

Document your findings to save on the next campaign. Additionally, your discoveries can fuel your follow-up experiments.

Analyze and Improve Your Promoted Videos

As with any other marketing channel, you may improve your ROI with your store’s promoted videos if you analyze their performance.

Just remember to look a little deeper than the top-of-the-funnel metrics like views and shares to uncover the “real” performance. No matter how impressive those numbers may be, they don’t necessarily translate to sales and profits.

So keep an eye on your sales volumes and value.

Also, when you use promoted videos on Facebook, Instagram, or YouTube, you can get instant feedback from your users via their comments, likes, dislikes, and shares.

Listen to the feedback they give and use any insights to optimize your videos.

Conclusion

When trying promoted videos for generating more sales, you should try a variety of platforms one by one.

That way, you’ll be able to identify which platforms produce the best ROI for your promoted video campaigns without needing to invest in complex attribution modeling.

Also, don’t think you need the most high-definition production equipment or the best creative agencies to produce the video content for promoting your products. Audiences crave for authentic content the most—so focus on that.

Remember, you’re competing against your own benchmarks, as there are no industry standards here.

Dive in, try different things, listen to your viewers, and—perhaps—have a little fun along the way.  

Have you tried promoting videos on Facebook, Instagram, Pinterest, or any other platforms? Share your experience in the comments!

The post How to Use Promoted Videos to Generate More E-commerce Sales appeared first on Neil Patel.

70 World of Warcraft Youtube Channels To Follow in 2020

Top 70 World of Warcraft Youtube Channels Submit Your Channel SUBMIT BLOG Contents [show] ⋅About this list & ranking World of Warcraft Youtube Channels World of Warcraft Wowhead BellularGaming Taliesin & Evitel Hazelnuttygames hirumaredx Platinum WoW Captain Grim Doronsmovies WowItsHard Tips Out Venruki Studen Albatroz Archvaldor’s Warcraft Hacks Hamsterwheel Athelarius SoulSoBreezy anboniwow DinaPlays Stoopzz_TV Defcamp & Melderon […]

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Build Credit with No Credit in a Recession

Is the novel coronavirus getting you down? Life is on pause – and it looks like we are heading right into a recession. Still, it can be the perfect time to improve your business. Yes, you can build credit with no credit in a recession. Here’s how.

Learn How to Build Credit with No Credit in a Recession – We Show You How!

Can you build credit with no credit in a recession? It’s admittedly not easy but it’s far from impossible. Patience and creativity are your best friends.

Build Credit with No Credit in a Recession

Company credit is credit in a company’s name. It doesn’t tie to a business owner’s consumer credit, not even if the owner is a sole proprietor and the sole employee of the small business.

Consequently, a business owner’s business and individual credit scores can be very different.

Build Credit with No Credit in a Recession: The Advantages

Since business credit is independent from individual, it helps to safeguard a small business owner’s personal assets, in case of court action or business bankruptcy.

Also, with two separate credit scores, a business owner can get two separate cards from the same vendor. This effectively doubles purchasing power.

Another advantage is that even new ventures can do this. Going to a bank for a business loan can be a formula for frustration. But building company credit, when done right, is a plan for success.

Consumer credit scores are dependent on payments but also additional considerations like credit usage percentages.

But for small business credit, the scores really just depend on whether a small business pays its bills punctually.

Build Credit with No Credit in a Recession: The Process

Growing company credit is a process, and it does not happen without effort. A small business must actively work to build business credit.

Having said that, it can be done readily and quickly, and it is much quicker than developing individual credit scores.

Vendors are a big component of this process.

Doing the steps out of sequence will lead to repetitive denials. Nobody can start at the top with company credit. For instance, you can’t start with retail or cash credit from your bank. If you do, you’ll get a denial 100% of the time.

Build Credit with No Credit in a Recession: Start with Company Fundability

A small business has to be fundable to lenders and vendors.

For this reason, a company will need a professional-looking website and email address. And it needs to have website hosting from a merchant like GoDaddy.

Also, company telephone and fax numbers need to have a listing on ListYourself.net.

Additionally, the company phone number should be toll-free (800 exchange or the like).

A small business will also need a bank account devoted purely to it, and it must have every one of the licenses necessary for running.

Licenses

These licenses all must be in the correct, accurate name of the business. And they need to have the same company address and phone numbers.

So note, that this means not just state licenses, but potentially also city licenses.

Build Credit with No Credit in a Recession Credit Suite

Learn more here and get started toward growing company credit. Get money even in a recession!

Build Credit with No Credit in a Recession and Deal with the IRS

Visit the Internal Revenue Service web site and get an EIN for the company. They’re free. Select a business entity like corporation, LLC, etc.

A business may get started as a sole proprietor. But they absolutely need to switch to a variety of corporation or an LLC.

This is to diminish risk. And it will make best use of tax benefits.

A business entity matters when it comes to taxes and liability in the event of litigation. A sole proprietorship means the owner is it when it comes to liability and taxes. Nobody else is responsible.

The best thing to do is to incorporate. You should only look at a DBA as an interim step on the way to incorporation.

Build Credit with No Credit in a Recession: Getting Started

Start at the D&B web site and get a cost-free D-U-N-S number. A D-U-N-S number is how D&B gets a business into their system, to produce a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s web sites for the company. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for accuracy and completeness. If there are no records with them, go to the next step in the process.

In this manner, Experian and Equifax will have activity to report on.

Starter Vendor Credit

First you must build tradelines that report. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can begin to get credit for numerous purposes, and from all sorts of places.

These sorts of accounts have the tendency to be for things bought all the time, like marketing materials, shipping boxes, outdoor workwear, ink and toner, and office furniture.

But first off, what is trade credit? These trade lines are credit issuers who give you starter credit when you have none now. Terms are ordinarily Net 30, versus revolving.

So, if you get an approval for $1,000 in vendor credit and use all of it, you need to pay that money back in a set term, like within 30 days on a Net 30 account.

Details

Net 30 accounts must be paid in full within 30 days. 60 accounts have to be paid fully within 60 days. In contrast to revolving accounts, you have a set time when you must pay back what you borrowed or the credit you made use of.

To begin your business credit profile the proper way, you need to get approval for vendor accounts that report to the business credit reporting agencies. When that’s done, you can then use the credit.

Then pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit – It Helps

Not every vendor can help like true starter credit can. These are vendors that grant approval with nominal effort. You also want them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

As you get starter credit, you can also start to get credit from retailers. This is to continue to verify you are responsible and pay in a timely manner. Here are some stellar choices from us: https://www.creditsuite.com/blog/5-vendor-accounts-that-build-your-business-credit/

Uline

Uline is a true starter vendor. You can find them online at www.uline.com. They offer shipping, packing, and industrial supplies, and they report to D&B and Experian. You MUST have a D-U-N-S number and an EIN before starting with them. They will ask for your business bank information. Your business address must be uniform everywhere. You need for an order to be $50 or more before they’ll report it. Your first few orders may need to be prepaid initially so your company can get approval for Net 30 terms.

  • How to apply with them:
  • Add an item to your shopping cart
  • Go to checkout
  • Select to Open an Account
  • Select to be invoiced

Quill

Quill is another true starter vendor. You can find them online at www.quill.com. They sell office, packaging, and cleaning supplies. And they also sell toner, office furniture, and even shipping and school supplies. They report to Dun and Bradstreet every quarter.

To apply, you MUST have a D&B PAYDEX score. If not given a Net 30 they will ask you to do prepaid orders of $100.00. Normally any prepaid order won’t report but you would need them to have given you a Net 30 account. Net 30 accounts require $50.00 purchase to report.

New business or businesses with no credit history may need to prepay purchases until Net 30 approval. Terms are Net 30.

  • Here’s how to qualify:
  • Your business entity must be in good standing with the applicable Secretary of State
  • You must have an EIN and a D-U-N-S number
  • Business address (it has to match everywhere)
  • Business license (if applicable)
  • A business bank account

Apply online or over the phone.

Grainger Industrial Supply

Grainger Industrial Supply is likewise a true starter vendor. You can find them online at www.grainger.com. They sell hardware, power tools, pumps and more. They also do fleet maintenance. And they report to D&B. You need a business license, EIN, and a D-U-N-S number.

  • To qualify, you need the following:
  • A business license (if applicable)
  • An EIN number
  • A company address matching everywhere
  • A business bank account
  • A D-U-N-S number from Dun & Bradstreet

Your corporate entity must be in good standing with the applicable Secretary of State. If your company does not have established credit, they will require additional documents. So, these are items like accounts payable, income statement, balance sheets, and the like.

Apply online or over the phone.

Accounts That Don’t Report

Non-reporting trade accounts can also be helpful. While you do want trade accounts to report to at the very least one of the CRAs, a trade account which does not report can still be of some worth.

You can always ask non-reporting accounts for trade references. Also, credit accounts of any sort should help you to better even out business expenditures, consequently making financial planning easier.

Store Credit

Store credit comes from a variety of retail companies.

You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use the company’s EIN on these credit applications.

Fleet Credit

Fleet credit is from service providers where you can purchase fuel, and fix and take care of vehicles. You must use your Social Security Number and date of birth on these applications for verification purposes. For credit checks and guarantees, make sure to apply using the company’s EIN.

Build Credit with No Credit in a Recession Credit Suite

Learn more here and get started toward growing company credit. Get money even in a recession!

Cash Credit

These are businesses such as Visa and MasterCard. You must use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.

These are frequently MasterCard credit cards.

Build Credit with No Credit in a Recession Credit Suite

Learn more here and get started toward growing company credit. Get money even in a recession!

Build Credit with No Credit in a Recession and Monitor Your Business Credit

Know what is happening with your credit. Make sure it is being reported and attend to any inaccuracies as soon as possible. Get in the practice of checking credit reports. Dig into the particulars, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less than it would cost at the business CRAs.

At Equifax, you can monitor your account at: www.equifax.com/business/business-credit-monitor-small-business.

Update Your Data

Update the details if there are errors or the information is incomplete. At D&B, you can do this at: https://iupdate.dnb.com/iUpdate/viewiUpdateHome.htm. For Experian, go here: www.experian.com/small-business/business-credit-information.jsp. So for Equifax, go here: www.equifax.com/business/small-business.

Build Credit with No Credit in a Recession and Fix Your Business Credit

So, what’s all this monitoring for? It’s to dispute any errors in your records. Mistakes in your credit report(s) can be corrected. But the CRAs usually want you to dispute in a particular way.

Get your business’s PAYDEX report at: www.dnb.com/about-us/our-data.html. Get your company’s Experian report at: www.businesscreditfacts.com/pdp.aspx?pg=SearchForm. And get your Equifax business credit report at: www.equifax.com/business/credit-information.

Disputes

Disputing credit report errors normally means you send a paper letter with copies of any proof of payment with it. These are documents like receipts and cancelled checks. Never send the original copies. Always send copies and retain the originals.

Fixing credit report mistakes also means you specifically spell out any charges you challenge. Make your dispute letter as understandable as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you sent in your dispute.

Dispute your or your small business’s Equifax report by following the instructions here: www.equifax.com/small-business-faqs/#Dispute-FAQs.

You can dispute inaccuracies on your or your company’s Experian report by following the directions here: www.experian.com/small-business/business-credit-information.jsp.

And D&B’s PAYDEX Customer Service phone number is here: www.dandb.com/glossary/paydex.

A Word about How to Build Credit with No Credit in a Recession

Always use credit responsibly! Don’t borrow beyond what you can pay back. Keep track of balances and deadlines for repayments. Paying on schedule and fully will do more to raise business credit scores than virtually anything else.

Building business credit pays. Good business credit scores help a company get loans. Your lending institution knows the small business can pay its debts. They recognize the small business is authentic.

The company’s EIN connects to high scores and loan providers won’t feel the need to request a personal guarantee.

Build Credit with No Credit in a Recession: Takeaways

Business credit is an asset which can help your business for many years to come. Learn more here and get started toward establishing small business credit. The COVID-19 situation is not going to last forever.

The post Build Credit with No Credit in a Recession appeared first on Credit Suite.

New Story Charity (YC S15) Is Hiring a Fundraiser

Article URL: https://newstorycharity.org/careers/fundraiser/ Comments URL: https://news.ycombinator.com/item?id=24729011 Points: 1 # Comments: 0

The post New Story Charity (YC S15) Is Hiring a Fundraiser first appeared on Online Web Store Site.

New comment by michalf6 in "Ask HN: Who wants to be hired? (October 2020)"

Location: Europe/Poland (GMT+1/+2) Remote: Yes (preferred) Willing to relocate: Yes Technologies: C#, Rust, .NET, Javascript, AWS, DevOps, SQL Résumé/CV: https://mflak.eu/assets/resume-mf.pdf Email: michal@mflak.eu Website: https://mflak.eu LinkedIn: https://www.linkedin.com/in/mflak/ 4 years of experience in software development, last 1.5 mostly doing DevOps. Experienced in remote work. Experience leading small teams. Used to being the generalist in a small startup. …

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The post New comment by michalf6 in "Ask HN: Who wants to be hired? (October 2020)" appeared first on Business Marketplace Product Reviews.

Best Recession Business Credit Cards for Average Credit

Are you looking for recession business credit cards for average credit? It may seem harder with the novel coronavirus changing our society. But it can still be done! Average personal credit does not have to be an obstacle to getting credit. Yes, you can get funding even now, and it does not have to come from the Small Business Administration.

Check out how – we can show you how.

Get the Recession Best Business Credit Cards for Average Credit

Are you searching for the best recession business credit cards for average credit? Then look no further, for we have done the research on cards and a number of different perks, too!

Per the SBA, business credit card limits are a whopping 10 – 100 times that of consumer cards!

This demonstrates you can get a lot more money with small business credit. And it also means you can have personal credit cards at retailers. So you would now have an extra card at the same stores for your company.

And you will not need collateral, cash flow, or financial data in order to get business credit.

Business Credit Card Benefits

Benefits can differ. So, make certain to pick the perk you like from this selection of options.

Secure Recession Business Credit Cards for Fair to Poor Credit, Not Requiring a Personal Guarantee

Brex Card for Startups

Have a look at the Brex Card for Startups. It has no annual fee.

You will not need to provide your Social Security number to apply. And you will not need to supply a personal guarantee. They will take your EIN.

Nevertheless, they do not accept every industry.

Likewise, there are some industries they will not work with, as well as others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a business’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on Brex Travel. Likewise, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have bad credit (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Establish business credit fast and beat the recession with our research-backed guide to 12 business credit cards and lines. Improve your average credit!

Recession Business Credit Cards with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Check out the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the first 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day business purchases like office supplies or client dinners for the initial $50,000 spent per year. Get 1 point per dollar afterwards.

You will need great to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also take a look at the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash rather than points.

Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. After that get 1%.

It has no yearly fee. There is a 0% introductory APR for the initial one year. Afterwards, the APR is a variable 14.74 – 20.74%.

You will need great to exceptional credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Establish business credit fast and beat the recession with our research-backed guide to 12 business credit cards and lines. Improve your average credit!

Recession Business Credit Cards for Average Credit for Low APR/Balance Transfers

+Discover it® Cash Back

Take a look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.

Details

You can earn 5% cash back at different places every quarter. So, these are establishments like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. Plus, automatically earn unlimited 1% cash back on all other purchases.

You will get an unlimited dollar-for-dollar match of all the cash back you have gotten at the end of your first year, automatically.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Terrific Recession Business Credit Cards for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Take a look at the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the first year. After that, this card costs $95 annually. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first three months from account opening. Get unlimited 2% cash back. Redeem any time without any minimums.

You will need good to exceptional credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Annual Fee

Discover it® Business Card

Check out the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for year. After that the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Note: you will need good to superb credit scores to get approval for this card.

https://www.discover.com/credit-cards/business/

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Check out the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are filling stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Then earn 1% after, with no limits.Recession Business Credit Cards for Fair Credit Suite

You will need excellent credit to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

Recession Business Credit Cards for Fair Credit Scores

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can get unlimited 1% cash back on every purchase for your company, without any minimum to redeem.

While this card is within reach if you have fair credit scores, beware of the APR. But if you can pay on schedule, and in full, then it’s a bargain.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

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Recession Business Credit Cards for Average Credit for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can get. And earn a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.

You will need good to excellent credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Recession Business Credit Cards for Average Credit with No Annual Fee

No Annual Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Have a look at the Ink Business Unlimited℠ Credit Card. Beyond no yearly fee, get an introductory 0% APR for the first 12 months. After that, the APR is a variable 14.74 – 20.74%.

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first three months from account opening. You can redeem your rewards for cash back, gift cards, travel and more using Chase Ultimate Rewards®. You will need superb credit scores to qualify for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Establish business credit fast and beat the recession with our research-backed guide to 12 business credit cards and lines. Improve your average credit!

Flexible Recession Business Credit Cards – Check Out Your Options!

The Plum Card® from American Express

Have a look at the Plum Card® from American Express. It has an initial annual fee of $0 for the first year. Afterwards, pay $250 per year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need great to exceptional credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/

Your Best Recession Business Credit Cards for Average Credit

Your outright best recession business credit cards for average credit will hinge on your credit history and scores.

Only you can select which features you want and need. So make sure to do your homework. What is outstanding for you could be disastrous for another person.

And, as always, be sure to develop credit in the recommended order for the best, quickest benefits. The COVID-19 situation will not last forever.

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