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Best Small Business Card w/ no 5/24 Slot

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rgate88
Regular Contributor

Best Small Business Card w/ no 5/24 Slot

I'm currently at 6/24 and won't have a slot available until next August. I'm looking for a SB CC to apply for in the next 6 months that won't hit my personal report. I'm looking at the AMEX Blue Business Cash or Blue Business Plus, but figured I would come to the community to discuss this. Here are some DP's for your evaluation:

 

Scores - TU 737, EQ 738 EX 732

Inquiries - 5/4/8

TC - $56,600

AAoA - 1 yr 9 mo

Current bank - PNC

Location - St. Louis

 

I'm looking for a nice SUB, maybe something that provides 0% for a period of time. I'm considering myself a consultant as I'm a percussion instructor for high schools in my area. 

 

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000


Total CLI - $399,900
4 REPLIES 4
SouthJamaica
Mega Contributor

Re: Best Small Business Card w/ no 5/24 Slot


@rgate88 wrote:

I'm currently at 6/24 and won't have a slot available until next August. I'm looking for a SB CC to apply for in the next 6 months that won't hit my personal report. I'm looking at the AMEX Blue Business Cash or Blue Business Plus, but figured I would come to the community to discuss this. Here are some DP's for your evaluation:

 

Scores - TU 737, EQ 738 EX 732

Inquiries - 5/4/8

TC - $56,600

AAoA - 1 yr 9 mo

Current bank - PNC

Location - St. Louis

 

I'm looking for a nice SUB, maybe something that provides 0% for a period of time. I'm considering myself a consultant as I'm a percussion instructor for high schools in my area. 

 


What's your question? The 2 cards you mention are both good cards which do not report to your personal credit, therefore won't be counted in 5/24.

 

As to signup bonuses on those cards, Amex plays around with that. Things come and go. With the Cash card, there is a very good SUB out there, which is not available to me, but might be available to you if you play around on the site.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 2 of 5
rgate88
Regular Contributor

Re: Best Small Business Card w/ no 5/24 Slot

Apologies, the question is what would be the best card available? Eventually I want to get the Chase ones, but being that I'm over, I know those are excluded until next year. So suggestions on what card would be best would be ideal. 

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000


Total CLI - $399,900
Message 3 of 5
SouthJamaica
Mega Contributor

Re: Best Small Business Card w/ no 5/24 Slot


@rgate88 wrote:

Apologies, the question is what would be the best card available? Eventually I want to get the Chase ones, but being that I'm over, I know those are excluded until next year. So suggestions on what card would be best would be ideal. 


Well those 2 cards are good cards. I think either would be fine.

 

But if a signup bonus is important to you, I don't know what to say other than what I've already said; it's like a shell game with Amex sometimes. Here's an article about an SUB on the Cash card:

https://www.doctorofcredit.com/american-express-blue-business-cash-card-500-sign-up-bonus-available-...

 

 

 


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

Message 4 of 5
Anonymous
Not applicable

Re: Best Small Business Card w/ no 5/24 Slot

It really depends on which rewards structure you value most, points or cash.

I wish that I had gone with the Simply Cash first though, instead of the BBP. After the refresh, the rewards don't seem as good as they were.

 

 

Message 5 of 5
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