Day: January 25, 2021
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Biden should keep Trump’s last-minute executive order making regulation more accountable.
Federalism is again proving its value in getting shots in arms.
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You need a solid online presence in this day and age. The best way to get this is to start a blog, a website, or an ecommerce store.
But before you can launch any of this, you’ll require a domain name, along with other things like a web host and a website builder.
But what exactly is a domain name?
Do you recognize 74.125.739.116? Probably not.
But I bet you know Google.com.
74.125.739.116 is Google’s numerical IP address, and since remembering such complicated numbers would be difficult, to say the least, domain names were introduced.
A domain name is particularly useful for establishing your brand.
You see, no two domain names can be exactly alike. They can be similar, but never the exact same.
As a result, you get the opportunity to create a distinctive online presence exclusive to you and your business.
What’s more, you don’t have to pay to register your domain! There are several ways you can get a free domain name.
Your 2-Minute Cheat Sheet
Want a quick answer on how to get a free domain name? I’ll cut to the chase.
If you’re planning to start a blog or launch a website, you’ll need a web hosting company. When it comes to making a choice, I suggest you choose Bluehost.
Not only does the company provide excellent speed and uptime reliability, but it also offers free domain names. Moreover, unlike other companies that extend this service only as long as you are their customer, Bluehost won’t take away your domain name.
Here’s what its terms and conditions state:
“If you’re dissatisfied with your experience at Bluehost, you won’t lose your domain name. You’ll be free to transmit or simply point it elsewhere at your convenience. You retain ownership of your domain until the end of its registration period unless you elect to extend it.“
Talk about a company with good ethics.
To create your Bluehost account, click here. The whole process takes about 60 seconds, and you’ll have a web host as well as a free domain.
If this doesn’t appeal to you, you can also consider using a free subdomain.
This is where website builders like WordPress and Wix come into play. The only catch is that instead of having a .com site like mine (NeilPatel.com), you‘ll have something like yourusername.wixsite.com/yoursiteaddress or yourdomainname.wordpress.com.
This isn’t an ideal situation. But it can be a viable option for when you want to experiment with free features of the website builder.
And that’s it! Now, if you want to learn how the whole thing works in more detail, read on.
Step 1: Go to Bluehost’s Website
The very first thing you need to do is head over to Bluehost.
Select Hosting from the top menu bar.
You must be wondering why you shouldn’t click on Domains when it’s a free domain that you want. This is because you don’t want to bundle your hosting plan with domain registration.
You’ll end up paying for your domain, which is NOT what we’re aiming for.
Just trust the process.
Step 2: Select Your Hosting Type
Bluehost offers you three types of hosting plans: Shared Hosting, Dedicated Hosting, and VPS Hosting.
I would recommend shared hosting if you’re a newbie just starting out.
Not only are the plans under this category cheap, but they can also accommodate the needs of low-traffic sites quite efficiently.
It allows multiple websites to share the same server resources. This is the main reason why shared hosting is so affordable, but it may also potentially cause slow loading times and performance issues.
This hosting type is good for someone who doesn’t expect high traffic volumes and lacks technical knowledge.
VPS hosting stands for virtual private service hosting. This category includes plans for websites that want better performance and can accommodate a higher price point.
The good thing about this hosting type is it guarantees useful resources to you exclusively. Technically, you still share a server with other websites, but you have a “virtual“ server that includes dedicated resources.
You can consider this hosting type if you expect sudden spikes in traffic volumes.
Dedicated hosting gives you exclusive access to an entire server reserved for your website alone. You don’t have to share it with anyone.
Understandably, you get premium performance with this subscription plan–but you have to be ready to pay its premium price, too.
This could be a good option if you’re a large enterprise that regularly handles high traffic. It’s also great for those who want complete control over the hosting environment.
For this guide, I’ll suggest you choose shared hosting. However, if you prefer other plans, you can go ahead with them as well.
Don’t worry! You get a free domain with any Bluehost plan.
Step 3: Select Your Web Hosting Plan
Bluehost offers four different shared web hosting plans: Basic, Plus, Choice Plus, and Pro.
I’ll suggest opting for the Basic entry-level plan as it’s cheaper and would be better suited to beginners.
It’s very budget-friendly, with plans starting at just $2.95 per month. However, you have to pay three years in advance if you want to get this price. This does sound scary at first, but believe me, it’s worth it.
If you plan on launching a larger site for your business, I would recommend the Choice Plus plan. Although you have to pay more money, the extra features are well worth it.
After that, click on Select under the plan that you decide to proceed with.
Step 4: Register Your Domain
After you choose a subscription plan, Bluehost will ask you to set up your domain.
This is where you’ll get two options:
- Create a new domain
- Use a domain you own
Select the “Create a new domain“ option. This will allow you to search for available domains.
Enter the domain that you want to buy into the search bar and choose your domain extension. Your options include the following:
… you get the drift.
I’d encourage you to select a .com extension as it looks more professional and helps you appear more reliable to your visitors.
The only time that I’d consider an alternative domain extension is if the .com extension is already taken and you are absolutely set on the name.
The other reason you might consider an alternative domain extension is when the domain is out of your budget. Honestly, there are plenty of extensions cheaper than a .com domain, but sometimes the extra money is worth it.
Otherwise, .com is your best bet.
Having a .com domain is particularly important for businesses—small blogs, personal sites, and side hustles may be able to save a few bucks here.
Step 5: Finalize the Deal
After you’ve chosen an available domain name, all that is left is to create your Bluehost account and finalize your plan terms.
Pay careful attention to the Package Extras section. You don’t need everything you see, but make sure you check the Domain Privacy + Protection option.
Doing this will conceal your name, email, phone number, and address from appearing on a public database. The $0.99 per month is worth it to keep hackers away if you ask me!
And you’re done!
You now have an excellent hosting plan as well as a free domain. If you have not already started then start now at Bluehost.
For the sake of comprehensiveness, I’ll also discuss two other ways of getting a free domain. Although I don’t recommend them, it’s always good to know all of the options.
Option 1: Using a Free Subdomain
Several website builders offer subdomains, which is a personal domain that exists within an existing domain name.
Remember that movie Inception where Leonardo DiCaprio dreams that he is in a dream? Something similar happens here.
You end up getting a domain name within a domain name.
Site builders like Wix, Squarespace, and Weebly offer subdomains to their users. They have a free trial as well, so if you like their services, you can purchase their premium plans that include everything you require to build, launch, and manage a professional business website.
Out of the several perks on offer like drag-and-drop site builder, web hosting, templates, and search engine optimization (SEO) tools, you also get a free domain name.
But why do I still say this method is not ideal?
Let’s discuss this with an example.
Imagine you use a free website builder like Wix. You won’t have to pay for a domain, yes, but your side will have the Wix subdomain. It’ll look something like this:
Suppose your Wix username is “My Stunning Website 123,” and the domain name you want is myblogsite. Here’s what you’ll get:
Think about it: Does that look professional? Have you seen any credible website have a domain like this?
That is why I’d only suggest this method if you want to experiment with your website builder’s free features or new updates.
Hostinger and WordPress are your other options, and luckily, neither are as invasive as Wix.
- The format for a free WordPress subdomain is: yourdomainname.wordpress.com
- The format for a free Hostinger subdomain is: example.000webhostapp.com
This is a good option for situations when one cannot spend money, but it is not a viable long-term strategy. You want your domain name to be memorable and short–both of which aren’t possible when you use a subdomain.
The fact that your visitors won’t remember your domain or find it hard to remember is another disadvantage.
Option 2: Using a Free Domain Name Registrar (Not Recommended)
I’m only discussing this option for the sake of comprehensiveness of this article and wouldn’t recommend it.
You can get a domain name from a free domain registrar, but it’s still unsuitable.
You see, the truly free domains use untrustworthy-looking extensions. For instance, you get .tk instead of .com. Your prospective customers would much prefer working with a domain name that reads yourbusiness.com instead of your yourbusiness.tk.
While it is entirely free, it looks unprofessional and untrustworthy and is even susceptible to hackers. Plus, you don’t own the domain name, which also defeats the purpose of launching a blog or a website.
Several domain registrars will give you a free domain in exchange for running ads on your website. There is nothing wrong with running ads, but this just isn’t the best way to do it.
You don’t have any control over the ads (the kind of ads played, the length, etc.) or their placement. As a result, your visitors may not have the best experience on your website. This may even damage your SEO ranking as well.
In fact, even if you view the situation with a more optimistic viewpoint, it still isn’t viable.
Suppose you’re successful in driving high traffic to your website, and the ads get one million views. You won’t receive a single penny from those ads–all you get is a free domain.
Not a fair trade, right?
If you’re seriously toying with the idea of running ads on your website, I’d advise you to do so through a legitimate advertising network as it can be a great source of income. Don’t exchange ads for a free domain.
Important: Don’t Forget to Renew Your Domain!
Domains expire. This can take one year, two years, or three years based on the package you buy.
Setting up a website or blog is hard work. You put in a lot of effort to find the perfect URL, design a website, and publish relevant content on it, among several other things that help it rank high and attract customers.
Just imagine the horror when you get up and realize some random stranger has bought it. The reason? You forgot to renew your domain.
This is why you must understand the importance of renewing your domain. Many people have made this mistake in the past, and it cost them dearly.
For instance, during one presidential election cycle, Jeb Bush and his team forgot to renew their domain JebBush.com, which Donald Trump successfully purchased and redirected Bush’s visitors to his own presidential election website. It was a stellar business move on Trump’s part, but a disaster that Bush’s team could’ve easily averted.
Make sure domain renewal is marked on your calendar a month in advance. You can also put your domain on auto-renewal just to be safe.
Bluehost is the best way to get a free domain name–one that you won’t have to surrender even if you switch web hosts. The other way is to use a subdomain by using reliable and reputable web builders like WordPress and Wix.
Within seconds you’ll have a reliable web hosting service as well as a new domain for free. Trust me, saving a few dollars isn’t worth the hassle of looking unprofessional, running a spammy website, or getting hacked.
With so many survey sites around, it can be hard to choose the surveys that pay you well and don’t waste your time. I have reviewed many surveys, and today, I am sharing this detailed Survey Club review.
If you are an avid survey taker and are wondering if Survey Club is worth considering, you need to read this review. Survey Club is one of the top surveys that can be a keeper in your best surveys list.
Survey Club Review 2021
What is Survey Club?
Survey Club is a market research company that helps survey takers earn money for their valuable opinion on new products and services. In short, Survey Club is a place where you will find surveys from different market research companies like MyOpinions, Toluna, American Consumer Opinion, etc.
Founded in 2005, Survey Club is available for survey takers in the US, the UK, Australia, and Canada.
It has a diverse range of surveys, paid research studies, in-home studies, focus groups, etc. But the option that is most regularly available is online surveys.
How does it work?
Like most of the survey sites, signing up for Survey Club is easy and free. You must give detailed information and fill out your profile to get more survey opportunities. The more the company knows about you, the quicker you are matched to a study.
Once you have signed up, you will see studies suitable for you in the “Available Studies” tab. You can choose the studies you want to take part in and start sharing your feedback.
Is Survey Club legit?
With over 16 million members and an A+ rating from BBB, Survey Club is definitely a legit survey site. Because it “pools up” all the surveys from other survey panels, there might be some hiccups about getting paid or signing up with other sites. But the bottom line is that it is a trustworthy site where you have a good chance to earn extra money.
Survey Club focus groups
This survey site also offers focus group opportunities to its participants, where you have the chance to earn anywhere between $50 and $200 per study. Survey Club has many different types of focus group studies like the below.
- Two-way focus group – one focus group watches another focus group and discusses the observed interactions and conclusion
- Dual moderator focus group – one moderator ensures the session progresses smoothly, while another ensures that all the topics are covered
- Dueling moderator focus group – two moderators deliberately take opposite sides on the issue under discussion
- Respondent moderator focus group – one and only one of the respondents is asked to act as the moderator temporarily
- Client participant focus groups – one or more client representatives participate in the discussion, either covertly or overtly
- Mini focus groups – groups are composed of 4 or 5 members rather than 6 to 12
- Teleconference focus groups – telephone network is used
- Online focus groups – computers connected via the internet are used
How much can I make with Survey Club?
Let’s be clear. Surveys only give you extra money; they cannot replace a full-time income. Nevertheless, surveys are a fun way to use your free time to make some extra cash.
You can earn up to $4 per survey, depending on the length of the survey. Typically you can see in the dashboard that the longer the surveys are, the more you are paid.
Focus groups pay more, but as per the reviews I have seen, they are very rare and are dependent on your demographics.
You can redeem your money via cash or Amazon gift cards once you reach the $25 threshold.
Other Survey Club reviews
There are many mixed reviews about Survey Club. Many of the negative reviews are about longer surveys and low pay. Positive reviews include timely pay and the chance to redeem your points in cash. Users also mention prompt customer service; its customer service team is really quick to respond and help with any issues.
Pros and cons of Survey Club
Like other surveys, Survey Club has some good things and some not so good things.
- The survey opportunities are diverse
- This survey panel is available in other countries
- There are occasional high-paying focus group invitations
- It has a good customer service department
- You can redeem points via cash through PayPal or Amazon gift cards
- It takes a long time to qualify for the surveys
- It can take some time to reach the minimum payout
Final overview of this Survey Club review
While I do recommend doing surveys as one of the easiest ways to put some extra cash in your pocket, there are other ways to earn money on the side.
Survey Club scores points for having different surveys, having good-paying focus groups, and paying in cash, but the length of time it takes to qualify for some surveys is somewhat of a turn off if you do them in your free time. If you cannot afford to lose your extra time, I would suggest choosing other survey websites like the ones listed below.
Other survey websites worth considering
There are many other worthwhile survey panels that have many perks and are highly legit.
Swagbucks – This is a reader favorite and a survey site that offers many other ways to earn extra money than just doing surveys.
Sign up to get a free $5 bonus with Swagbucks.
Branded Surveys – This survey site has a loyalty program for its users where you can earn more when you do more surveys. It also has other easy ways to earn and save money. Sign up with Branded Surveys and get 50 points right away.
The post Survey Club Review 2021 – Is This Website Worth Your Time? Let’s Find Out appeared first on Crowd Work News.
In this post COVID-19 economy, funding has become a huge issue for businesses. If you have bad credit, it may seem hopeless. Can you get bad credit recession startup business loans? Probably not, but there is hope. There are other options.
Bad Credit Recession Startup Business Loans: Do They Really Exist?
This is a question for the ages. Everyone had heard of them, these elusive loans that anyone can get, even with bad credit. Are they for real? Do they exist? Are they a hoax straight from Bigfoot’s mouth, or are the same as the stories of golden cities in the jungle and fountains that make you forever young? The answer is not as simple as you might think. It is pretty gray actually. But bad credit startup business loans with guaranteed approval are maybe a misnomer.
In the strictest sense, no, they do not exist. This is because there are no guarantees, ever. There are so many variables that go into the term “guarantee.”
That doesn’t mean you should lose all hope however. There are some loans available to those with bad credit. You just can’t say that there is a guarantee of approval because in most cases, there is other criteria a business must meet to eligible if credit is bad.
Bad Credit Recession Startup Business Loans: Why Does Credit Even Matter?
Startups are a big risk, and few lenders are willing to take such risks, especially during a recession. Lenders check credit to help determine whether or not a borrower is likely to repay the loan. It is an effort to reduce risk. Like anything else, overuse can render it useless. Credit is a good indicator, but it is not a perfect indicator, of a likelihood to repay.
Bad Credit Recession Startup Business Loans: What Else Can They Look At?
There are a ton of potential borrowers out there that could be great for lenders. Unfortunately, they will never get a second look because of a poor credit score. They may be excellent bill payers that hit a rough patch in the past.
Those lenders then that offer bad credit recession startup business loans look at other factors. They may peruse credit, but they look at income, current debt, and length of time in business as well.
With some bad credit startup loans, guaranteed approval comes with length of time in business and annual revenue. It is important to remember that startup can be as young as a couple of years. It does not have to be a brand new business to qualify as a startup.
Most loans that do not require a great credit score require at least 6 months in business. Some will go with 3 months. Few and far between are the loans that do not have a minimum time in business requirement. But they do exist.
Some lenders will get as personal as to ask what happened with the credit score. If there is a personal situation that caused a decline in credit, letting them know may help. Also, if you are still low but have increased your score significantly, bringing that to their attention may work in your favor.
Say you are asked why your score is so low, and your answer is that you had a health issue that caused you struggle with on time payments. If you can show them that in the time since your issue became a non-issue you have been able to increase your score by 100 points and it is still rising, the lender may take that into consideration.
Bad Credit Recession Startup Business Loans: Are These Lenders Mythical, or Simply a Mystery?
Bad credit startup business loans, guaranteed approval or otherwise, are hard to come by. The whole search is similar to that of a large hairy creature with big feet or the jungle for a city of gold. There is no shortage of claims that they have been found. When it gets down to the nitty gritty however, that is not what they found. Most likely, they have found one of these next options. Still impressive, but not what others claim they are.
Alternative lenders carry the closest product probably. Most of them are more similar to a very ancient city, but not one made of gold. These lenders are alternatives to the standard banks and credit unions. Many operate solely online. They often process applications in just a few days, and borrowers receive funds quickly.
The main difference is that there are many occasions where they may not even do a credit check. It is quite often that you simply must show that you are generating sufficient revenue to repay the loan and interest.
You do have to do your research still. Do not assume every loan an alternative lender offers is what you are looking for.
The interest rates with alternative lenders are generally higher, and the repayment terms are less liberal. They may also require a personal guarantee or collateral of some sort.
Despite the often less favorable interest rates and terms, these are a great option for those looking for bad credit startup business loans guaranteed approval.
Crowdfunding is not technically a loan, though some crowdfunding sites offer a lending option. These are more in line with investments. This means you do not have to pay them back. As far as bad credit startup business loans, guaranteed approval is not technically possible here.
The reason is that you must set a goal for the amount of investment you want. With some sites, if you do not reach that amount, you do not get your funds. Other crowdfunding sites are more flexible, allowing you to take whatever you can get.
The main reason this doesn’t technically fall into the category of bad credit business loans is that they majority product is not a loan. You do have to provide in depth information however, and most sites require you to offer backers a reward for their investment.
Again, this isn’t a loan, but it is an option if credit is problem. Though not technically bad credit startup business loans guaranteed approval, they are a bad credit startup funding option. The idea is very similar to that of crowdfunding, except you replace the crowd with one investor. Sometimes it is two or three investors. It is a few, and not a crowd, that provide the bulk of the funding.
It’s important to note that angel investing in your endeavor can be really informal. Even your mother can be an angel investor.
If you have been in business long enough to have open invoices, invoice factoring could be an option. The option could qualify as bad credit startup business loans, guaranteed approval with open invoices. The lender is not concerned with your credit, because they will not be collecting from you.
They will pay you a discounted value for your open invoices and then attempt to collect the full amount from your customers. This is an excellent funding option, but truly doesn’t truly operate like a true loan.
Merchant Cash Advance
This works similar to invoice factoring, but it isn’t exactly the same. You do have to be generating sufficient credit card sales to qualify. However, they are not interested in your credit because they will collect from your credit card sales automatically.
Here is how it works. The lender determines an amount you are eligible for based on your average daily credit card sales. They then lend you the money, and collect repayment as a percentage of daily credit card sales. Most often, this happens automatically, electronically.
So, though not actually bad credit startup business loans, guaranteed approval is possible if you have the required credit card sales. It is a funding option that works for many.
Self-Funding and Friends and Family
Your friends and family are often your best source for bad credit startup business loans, guaranteed approval because they love you. If they believe in your cause and have the funds, they may be willing despite bad credit. They may also be more flexible and generous in terms of interest rates and repayment terms. It never hurts to ask.
If you have savings or retirement funds available, there is no doubt you will have guaranteed approval with what’s called securities-based financing. An added bonus is that you can repay yourself, and if you choose to do so with interest, even a little, you could end up better off. If you need to take it more slowly, you can do that too. You can be as flexible as you want with yourself.
Avoid the Search
If you are weary of searching for mythical creatures, start now working to establish and build business credit. Many times, this is an issue for the simple reason that business owners do not understand business credit and personal credit are not one and the same.
By working to establish a credit score for your business separate from your own, you make it easier to fund your business endeavors in the future.
The First Step
If you do not currently have business credit and need to get it established, there are some simple steps you can take to get started.
- Incorporate your business
- Get your business its own phone number and address
- List this information under your business name in all the directories.
These steps establish your business as its own entity separate from you and your finances. This is the essential first step to establishing business credit.
Build Legendary Business Credit
This should be the ultimate goal. Once your business its own entity, you can work on building, or repairing, bad credit. When that part is complete, you no longer have to worry about bad credit startup business loans, guaranteed approval or otherwise. You will just be able to apply for a loan and negotiate for the best terms and rates.
How do you get there? First, make sure you are doing business with vendors that report to the credit agencies. Then, get whatever credit you are eligible for. Whether it is a bad credit startup business loan guaranteed approval, or a small business credit card with a low limit.
Even if you don’t need credit at the moment, get something. Then make your payments on time, consistently. This builds a credit score where there was none before, and can begin to repair a poor credit score.
What Makes a Legend?
Remember, legends are not made of nothing but once upon a times and happy endings. There is always an obstacle to overcome. There is always distress of some sort. Don’t let the hard to find bad credit startup business loans, guaranteed approval or those that require a little extra work, be the thing that keeps you from your happy ending.
Either find one of the few in existence, or take advantage of one the alternatives. There is more than one way to win a battle. If the regular weapons are not available for whatever reason, find another way.
The key is to put yourself in a better situation so that once you survive the battle, you can win the war. Then you can go down in history as your own business legendary beast. The Bigfoot of the business world!
Discover this new way to find bad credit startup business loans – guaranteed approval.
The post Mystery or Myth? Bad Credit Recession Startup Business Loans appeared first on Credit Suite.
Get the Best Zero Percent Business Credit Cards Now
Per the SBA, business credit card limits are a massive 10 – 100 times that of personal credit cards!
This reveals you can get a lot more cash with corporate credit cards. And it also reveals you can have personal credit cards at stores. So, you would now have an extra card at the very same stores for your small business.
And you will not need collateral, cash flow, or financials to get small business credit.
Zero Percent Business Credit Cards: Benefits
Benefits can vary. So, make certain to select the benefit you would like from this choice of alternatives.
Zero Percent Business Credit Cards with a 0% Introductory APR
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 initial year. After that, the APR is a variable 14.74 – 20.74%.
Get double Membership Rewards® points on everyday company purchases like office supplies or client dinners for the first $50,000 spent each year. Get 1 point per dollar afterwards.
You will need great to superb credit to qualify.
American Express® Blue Business Cash Card
Also take a look at the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. But its rewards are in cash rather than points.
Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. Then get 1%.
It has no annual fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.
You will need good to superb credit to qualify.
Zero Percent Business Credit Cards with No Yearly Fee
Zero Percent Business Credit Cards with No Yearly Fee/Flat Rate Cash Back
Ink Business Unlimited℠ Credit Card
Take a look at the Ink Business Unlimited℠ Credit Card. Past no annual fee, get an introductory 0% APR for the initial 12 months. Afterwards, 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 initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. You will need excellent credit scores to qualify for this card.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Zero Percent Business Credit Cards for Cash Back
Zero Percent Business Credit Cards with Flat-Rate Rewards and No Annual Cost
Discover it® Business Card
Have a look at the Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for 12 months. 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| conveniently to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to outstanding credit scores to get this card.
Ink Business Cash℠ Credit Card
Check out the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the initial twelve months. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first three months from account opening.
You can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.
Get 2% cash back on the first $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no restriction to the amount you can get.
You will need exceptional credit to get approval for this card.
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 initial 9 billing cycles of the account. After that, 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 gas 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 first $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.
You will need excellent credit scores to qualify.
Find it here: https://promo.bankofamerica.com/smallbusinesscards2/
Capital One ® Spark® Cash for Business
Have a look at the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the initial year. Afterwards, this card costs $95 per year. There is no introductory APR offer. The regular APR is a variable 18.49%.
You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem any time without minimums.
You will need good to excellent credit to qualify.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Zero Percent Business Credit Cards for Jackpot Rewards That Never Expire
Capital One® Spark® Cash Select for Business
Take 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 earn. And get a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the first three 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 great to superb credit scores to qualify.
Zero Percent Business Credit Cards for Lavish Travel Points
No Annual Fee
Bank of America® Business Advantage Travel Rewards World MasterCard® credit card
For no yearly fee while still getting travel rewards, take a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the first nine billing cycles. Afterwards, its regular APR is 13.74 – 23.74% variable.
You can get 30,000 bonus points when you make at least $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.
Earn unlimited 1.5 points for each $1 you spend on all purchases, everywhere, every time. And this is despite how much you spend.
Likewise earn 3 points per every dollar spent when you reserve your travel (car, hotel, airline) with the Bank of America® Travel Center. There is no limit to the number of points you can get and points do not expire.
You will need exceptional credit scores to get this one (as in, 700s or better).
Flat-rate Travel Rewards
Capital One® Spark® Miles for Business
Have a look at the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which after that rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.
This card is great for travel if your expenses don’t come under conventional bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book with Capital One Travel.
Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. However you only get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a great to excellent FICO score to qualify.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Bonus Travel Categories with a Sign-Up Offer
Ink Business Preferred℠ Credit Card
For an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.
Pay an annual fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.
Get 100,000 bonus points after spending $15,000 in the first 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem via Chase Ultimate Rewards.
Get 3 points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.
You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. You will need a great to outstanding FICO score to qualify.
Hotel Credit Card
Marriott Bonvoy Business™ American Express® Card
Have a look at the Marriott Bonvoy Business™ Card from American Express. It has a yearly fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need good to excellent credit to get this card.
You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the first three months. Get 6x the points for eligible purchases at participating Marriott Bonvoy hotels. You can get 4x the points at US restaurants and gasoline stations. And you can get 4x the points on wireless telephone services purchased straight from American service providers and on US purchases for shipping.
Get double points on all other eligible purchases.
Also, you get a free night every year after your card anniversary. And you can earn another free night after you spend $60,000 on your card in a calendar year.
You get Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year.
Plus, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
The Very Best Zero Percent Business Credit Cards for You
Your straight-out best zero percent business credit cards hinge on your credit report and scores.
Just you can pick which features you want and need. So, ensure to do your homework. What is outstanding for you could be disastrous for another person.
And, as always, make certain to develop credit in the advised order for the best, fastest benefits.
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