topic Re: Next Biz Card Suggestions in Business Credit

Next Biz Card Suggestions

Five6Two — Fri, 15 Oct 2021 19:23:09 GMT

Hello fellow FICOers. Looking for some suggestions - I will try to provide all neccessary DP's, feel free to leave some anecdotal experience if you think it will be helpful.

Current scores: EX 828, EQ 830 and TU 835
4% total UT on personal side, $224.6k TCL
Biz rev ~$32k per year
3/24 new accounts (personal side)
Biz side: AAdvantage with Citi in May '21 (EQ pull), Chase Ink Biz Unlimted in June 21' (EX pull) and Aviator Biz in July '21 (TU pull)
INQ
- EX: 1/6, 1/12, 6/24
- TU: 1/6, 1/12, 2/24
- EQ: 1/6, 1/12, 3/24
Current Biz Cards: Chase IBU (no AF), Costco Citi Biz, AA Citi Biz, Aviatior BarclayUS Biz, Amex BBP, Amex BBC, Amex Lowe's, USB Leverage Visa, USB Cash Rewards MC and CapitalOnTap.
Goal: Maximize SUB and float over 2.4K from expiring 0% interest on Amex BBC to new card. Cannot float over to CIB as I am floating $1.8k with 3k CL.

Any feedback is appreciated, even if you tell me to bug off

Re: Next Biz Card Suggestions

BearsCubsOtters — Fri, 15 Oct 2021 21:47:36 GMT

Looks like you have most of the major players. My suggestions:

BofA Business Advantage Customized Cash Rewards: $300 SUB and 9, yes 9, months of 0%

FNBO Evergreen Business: No SUB, 0% for 12 months

Your other option would be to either cold app for a US Bank Business Platinum for 15 months 0% (no SUB) or close Leverage to free up a space for Platinum should it come to that.

But for the main players, you have already kind of exploited the best ones for both SUB and 0% balance transfer. Have you considered smaller banks? I do not know your geographic location so I won't go into specifics but I mean: TD, PNC, BMO Harris, 5/3 etc etc etc.

Re: Next Biz Card Suggestions

Five6Two — Tue, 19 Oct 2021 16:07:39 GMT

@BearsCubsOtters wrote:
Looks like you have most of the major players. My suggestions:

BofA Business Advantage Customized Cash Rewards: $300 SUB and 9, yes 9, months of 0%

or

FNBO Evergreen Business: No SUB, 0% for 12 months

Your other option would be to either cold app for a US Bank Business Platinum for 15 months 0% (no SUB) or close Leverage to free up a space for Platinum should it come to that.

But for the main players, you have already kind of exploited the best ones for both SUB and 0% balance transfer. Have you considered smaller banks? I do not know your geographic location so I won't go into specifics but I mean: TD, PNC, BMO Harris, 5/3 etc etc etc.

I ended up cold apping with USB, got the inq on EX on Monday morning (applied on Saturday night, 5-7 business days notice). Got the approval email this morning but only at $3k SL. I should have called in to close the Leverage because I have $10k on that card that I may have possibly been able to reallocate to new card. I will wait a bit but I think I will look into PNC next since I have already hit up all the major players! Thanks again for the feedback.

Re: Next Biz Card Suggestions

credit8502020 — Sat, 06 Nov 2021 20:56:27 GMT

@Five6Two wrote:
@BearsCubsOtters wrote:
Looks like you have most of the major players. My suggestions:

BofA Business Advantage Customized Cash Rewards: $300 SUB and 9, yes 9, months of 0%

or

FNBO Evergreen Business: No SUB, 0% for 12 months

Your other option would be to either cold app for a US Bank Business Platinum for 15 months 0% (no SUB) or close Leverage to free up a space for Platinum should it come to that.

But for the main players, you have already kind of exploited the best ones for both SUB and 0% balance transfer. Have you considered smaller banks? I do not know your geographic location so I won't go into specifics but I mean: TD, PNC, BMO Harris, 5/3 etc etc etc.
I ended up cold apping with USB, got the inq on EX on Monday morning (applied on Saturday night, 5-7 business days notice). Got the approval email this morning but only at $3k SL. I should have called in to close the Leverage because I have $10k on that card that I may have possibly been able to reallocate to new card. I will wait a bit but I think I will look into PNC next since I have already hit up all the major players! Thanks again for the feedback.

@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.

Re: Next Biz Card Suggestions

Five6Two — Tue, 30 Nov 2021 00:03:14 GMT

@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.

Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.

Re: Next Biz Card Suggestions

ocheosa — Tue, 30 Nov 2021 04:47:33 GMT

@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.

@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard

0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card

0% for first 12 billing cycles on purchases and BT's

Re: Next Biz Card Suggestions

Five6Two — Tue, 30 Nov 2021 06:16:11 GMT

@ocheosa wrote:
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's

Wow, awesome, thank you! These are some great finds/suggestions, just bookmarked so that I can queue up my apps early next year.

Re: Next Biz Card Suggestions

4sallypat — Tue, 30 Nov 2021 14:46:25 GMT

If you want a "free" no HP, Business card, look at the Citizen's Bank MC - they will issue based on a SP.

All they wanted was biz bank statements and my resale permit as a sole prop.

IMG_8260.jpg

Re: Next Biz Card Suggestions

credit8502020 — Tue, 30 Nov 2021 18:02:19 GMT

@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.

@Five6Two Great! I hope you find some great Credit Unions that fit what you're looking for.

Re: Next Biz Card Suggestions

Five6Two — Tue, 30 Nov 2021 19:00:03 GMT

@4sallypat wrote:
If you want a "free" no HP, Business card, look at the Citizen's Bank MC - they will issue based on a SP.
All they wanted was biz bank statements and my resale permit as a sole prop.
IMG_8260.jpg

Wow, that is a great deal! Any idea if this is for the "Everyday Points" or "Platinum" version of the card? Or both?

Re: Next Biz Card Suggestions

4sallypat — Tue, 30 Nov 2021 19:08:39 GMT

@Five6Two wrote:
@4sallypat wrote:
If you want a "free" no HP, Business card, look at the Citizen's Bank MC - they will issue based on a SP.
All they wanted was biz bank statements and my resale permit as a sole prop.
IMG_8260.jpg
Wow, that is a great deal! Any idea if this is for the "Everyday Points" or "Platinum" version of the card? Or both?

They have both.

I chose the Platinum for the lower APR on revolving charges..

Re: Next Biz Card Suggestions

credit8502020 — Tue, 30 Nov 2021 19:26:41 GMT

@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's

@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.

Re: Next Biz Card Suggestions

ocheosa — Tue, 30 Nov 2021 19:51:50 GMT

@credit8502020 wrote:
@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.

HI @credit8502020 , no I don't have it yet so can't help with your question on reporting. While researching Elan cards that are still open to apps without a bank relationship I came up with Banc of California (personal) and Greater Nevada CU (business). I'm already using my FNBO business card 0% promo rate so decided to pick up the Elan/BOC personal card (5% cb categ) and the Citizens Bank business card (SP approval).

For the personal card Elan pulled TU. My plan is to app for the Elan business card in July. I hope it's still available through Elan without having a relationship account at the credit union.

Re: Next Biz Card Suggestions

credit8502020 — Tue, 30 Nov 2021 19:58:40 GMT

@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.
HI @credit8502020 , no I don't have it yet so can't help with your question on reporting. While researching Elan cards that are still open to apps without a bank relationship I came up with Banc of California (personal) and Greater Nevada CU (business). I'm already using my FNBO business card 0% promo rate so decided to pick up the Elan/BOC personal card (5% cb categ) and the Citizens Bank business card (SP approval).

For the personal card Elan pulled TU. My plan is to app for the Elan business card in July. I hope it's still available through Elan without having a relationship account at the credit union.

@ocheosa Thank you! Did you have a previous relationship with Citizens Bank before applying? Any data points you can share about this one? Which CB was the SP for?

Re: Next Biz Card Suggestions

ocheosa — Tue, 30 Nov 2021 20:23:48 GMT

@credit8502020 wrote:
@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.
HI @credit8502020 , no I don't have it yet so can't help with your question on reporting. While researching Elan cards that are still open to apps without a bank relationship I came up with Banc of California (personal) and Greater Nevada CU (business). I'm already using my FNBO business card 0% promo rate so decided to pick up the Elan/BOC personal card (5% cb categ) and the Citizens Bank business card (SP approval).

For the personal card Elan pulled TU. My plan is to app for the Elan business card in July. I hope it's still available through Elan without having a relationship account at the credit union.
@ocheosa Thank you! Did you have a previous relationship with Citizens Bank before applying? Any data points you can share about this one? Which CB was the SP for?

Sure. @credit8502020 , I did not have a previous relationship with Citizens and they SP'd EQ. Not sure what other DPs you are looking for? The first line of my signature has all my current info.

Re: Next Biz Card Suggestions

credit8502020 — Tue, 30 Nov 2021 21:10:27 GMT

@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.
HI @credit8502020 , no I don't have it yet so can't help with your question on reporting. While researching Elan cards that are still open to apps without a bank relationship I came up with Banc of California (personal) and Greater Nevada CU (business). I'm already using my FNBO business card 0% promo rate so decided to pick up the Elan/BOC personal card (5% cb categ) and the Citizens Bank business card (SP approval).

For the personal card Elan pulled TU. My plan is to app for the Elan business card in July. I hope it's still available through Elan without having a relationship account at the credit union.
@ocheosa Thank you! Did you have a previous relationship with Citizens Bank before applying? Any data points you can share about this one? Which CB was the SP for?
Sure. @credit8502020 , I did not have a previous relationship with Citizens and they SP'd EQ. Not sure what other DPs you are looking for? The first line of my signature has all my current info.

@ocheosa Ok. Great! If you don't mind sharing, about how much did they approve you for?

Re: Next Biz Card Suggestions

ocheosa — Tue, 30 Nov 2021 21:22:22 GMT

@credit8502020 wrote:
@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.
HI @credit8502020 , no I don't have it yet so can't help with your question on reporting. While researching Elan cards that are still open to apps without a bank relationship I came up with Banc of California (personal) and Greater Nevada CU (business). I'm already using my FNBO business card 0% promo rate so decided to pick up the Elan/BOC personal card (5% cb categ) and the Citizens Bank business card (SP approval).

For the personal card Elan pulled TU. My plan is to app for the Elan business card in July. I hope it's still available through Elan without having a relationship account at the credit union.
@ocheosa Thank you! Did you have a previous relationship with Citizens Bank before applying? Any data points you can share about this one? Which CB was the SP for?
Sure. @credit8502020 , I did not have a previous relationship with Citizens and they SP'd EQ. Not sure what other DPs you are looking for? The first line of my signature has all my current info.
@ocheosa Ok. Great! If you don't mind sharing, about how much did they approve you for?

@credit8502020 Don't mind at all. Company 3yo, Business Revenue $20k. Citizens SL $5k. For comparison, FNBO Evergreen SL was $10k.

Re: Next Biz Card Suggestions

credit8502020 — Tue, 30 Nov 2021 22:01:02 GMT

@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@credit8502020 wrote:
@ocheosa wrote:
@Five6Two wrote:
@credit8502020 wrote:
@Five6Two Thanks for sharing your update. Have you considered Credit Unions. Many of them have 0% offers that may be a good fit for what you're looking for. I would look into Fairwinds and perhaps NIH.
Hi credit, sorry for the delay. Yes I have looked at the less known banks and think I may give it a go next time round. As hard as it may be I am trying to limit my apps by spacing them 6-9 months apart. I am in SoCal so a lot of the smaller banks are geofenced for me, but I have seen some success with local credit unions.
@Five6Two I would recommend Elan/Greater Nevada CU and also agree that FNBO Evergreen would be a good fit. You can even test the SL with the prequalify but take with a grain of salt as some have still been denied. With your DP's I think you are a prime canditate for both. Good luck!

Elan/Greater Nevada Credit Union Business Mastercard
0% for first 20 billing cycles on purchases and BT's

FNBO Evergreen Business Visa Card
0% for first 12 billing cycles on purchases and BT's
@ocheosa Hi! Do you have an Elan CC with Greater Nevada Credit Union? Do you know which bureau they pull from and if they definitely only post on Business reports? If anyone can share data points regarding Elan Business credit cards, that would be great! Thanks in advance.
HI @credit8502020 , no I don't have it yet so can't help with your question on reporting. While researching Elan cards that are still open to apps without a bank relationship I came up with Banc of California (personal) and Greater Nevada CU (business). I'm already using my FNBO business card 0% promo rate so decided to pick up the Elan/BOC personal card (5% cb categ) and the Citizens Bank business card (SP approval).

For the personal card Elan pulled TU. My plan is to app for the Elan business card in July. I hope it's still available through Elan without having a relationship account at the credit union.
@ocheosa Thank you! Did you have a previous relationship with Citizens Bank before applying? Any data points you can share about this one? Which CB was the SP for?
Sure. @credit8502020 , I did not have a previous relationship with Citizens and they SP'd EQ. Not sure what other DPs you are looking for? The first line of my signature has all my current info.
@ocheosa Ok. Great! If you don't mind sharing, about how much did they approve you for?
@credit8502020 Don't mind at all. Company 3yo, Business Revenue $20k. Citizens SL $5k. For comparison, FNBO Evergreen SL was $10k.

@ocheosa Thank you!