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800 FICO Which Business Credit Card

Established Member

800 FICO Which Business Credit Card

Hey guys I'm new to the community I have a 800+ FICO I'm interested in applying for a business CC I was thinking about going with the Chase ink, BOA business rewards, capital one Spark, PNC business and the BP fleet card.. from you guys experience what are some of the limits that have been given upon approval and what was the application / approval process like??
Message 1 of 9
8 REPLIES
Regular Contributor

Re: 800 FICO Which Business Credit Card

I have a lower score and was approved for the Amex Simply Cash 25k SL to start. No AF, 0% APR for 9 months. I love this card. Good Luck and nice score!!!

Amex Business PRG (NPSL) - Amex Business SC ($25000) Amex BCE ($12000) - Amex HH ($15000) - Cap One Bus Spark - (5000) - Total Rewards - (6000) FNBO ($15000) - USB Cash+ ($18000) - USB Plat ($20000) - Amazon Prime ($4400) - Chase Hyatt ($9000) - Chase Disney ($15000) - Vectra ($7000) -Discover it ($10500) - BOA (11000) - Lowes ($25000) - Home Depot ($8000) Kays ($7500) - Amer Furn Ware ($2500) EX-759 (5 inq) EQ-759 (9 inq) TU-776 (1 inq) Mortgage-41k Auto-13k 0% util (Gardening until 07/2019)
Message 2 of 9
Super Contributor

Re: 800 FICO Which Business Credit Card


@New2bizccs wrote:
Hey guys I'm new to the community I have a 800+ FICO I'm interested in applying for a business CC I was thinking about going with the Chase ink, BOA business rewards, capital one Spark, PNC business and the BP fleet card.. from you guys experience what are some of the limits that have been given upon approval and what was the application / approval process like??

If I were in your position I would go for one of the Chase Ink cards, Cash if you prefer cash back, Preferred if you prefer travel rewards. And forget the others.

 

Don't go to Capital One! It triple pulls, and it reports to your personal credit. And they are a low class institution, in my opinion.

 

I have the BOA cash and travel business cards, but I find their website a bit confusing. I find the BOA Cash useful.

 

I have the Amex Simply Cash, but it doesn't make it easy to find out if you're getting bonus category points, and they seem to be shortchanging me on the bonus points.

 


FICO8 EQ 743 TU 777 EX 752 Total revolving limits 618800 (508800 reporting)
Message 3 of 9
Moderator

Re: 800 FICO Which Business Credit Card


@New2bizccs wrote:
Hey guys I'm new to the community I have a 800+ FICO I'm interested in applying for a business CC I was thinking about going with the Chase ink, BOA business rewards, capital one Spark, PNC business and the BP fleet card.. from you guys experience what are some of the limits that have been given upon approval and what was the application / approval process like??

Always helps to answer these questions if you post what kind of business that you have and what are your major spend categories.

Message 4 of 9
Established Member

Re: 800 FICO Which Business Credit Card

Thanks for the replies guys I'm thinking about going with the chase ink cash, BOA business rewards, Amex simply cash , and possibly PNC business card. Do these institutions ship their correspondence (card, welcome packet etc.. ) to the home or business address?
Message 5 of 9
Regular Contributor

Re: 800 FICO Which Business Credit Card

Chase Biz Ink  Starting line 20k 0% for I think 15 months.  I like their website and they have the blueprint.  You can pick to pay different things on a different time line.  My score was in the low 700s when I applied.  In biz about 8 years.  The app process was the pretty much the same as a personal card.  Just asked for EIN.  Maybe yearly revenue, I think.  Very easy app.   GL   Smiley Happy  


Chase Business Ink 20k PenFed Plat Rewards VS 10k NFCU Go Rewards10700 BECU 10k Chase FU 6k NFCU Flag 5k Disco IT 5k Amex BCE 1k Gold Delta Skymiles Biz 5k Amex Biz Gold Rewards NPSL
Message 6 of 9
Valued Contributor

Re: 800 FICO Which Business Credit Card

There are Spark offers of $500 bonuses and/or 2% back.

 

 

Credit rebuild started in 2014  -  $100k total unsecured credit in 2017  -  $200k total unsecured credit in 2018.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                             5%-20% - Amazon & Lowes                                5% Gas & Sporting - Ducks Unlimited
4% Dining & Entertain - Savor                   3% Travel & Hotels - Propel & Uber                   2% Everything Else - Venture


    $ 30,000           $ 28,500          $ 25,750          $ 17,500            $ 7,500             $8,000             $ 7,500              $ 4,000              $ 3,500

                                                     
                                                                   $ 30,000           $ 10,000           $ 10,000           $ 4,000   
Message 7 of 9
Established Member

Re: 800 FICO Which Business Credit Card

Does amex, pnc bank , boa, chase, citi etc ship the card to the home address or business address? Because if they ship to the home address what's the point of INC or having separate address for business?
Message 8 of 9
Highlighted
Regular Contributor

Re: 800 FICO Which Business Credit Card


@New2bizccs wrote:
Does amex, pnc bank , boa, chase, citi etc ship the card to the home address or business address? Because if they ship to the home address what's the point of INC or having separate address for business?

If I recall, you tell them where to ship it.  


Chase Business Ink 20k PenFed Plat Rewards VS 10k NFCU Go Rewards10700 BECU 10k Chase FU 6k NFCU Flag 5k Disco IT 5k Amex BCE 1k Gold Delta Skymiles Biz 5k Amex Biz Gold Rewards NPSL
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