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Best business card for starters?

Revelate
Moderator Emeritus

Re: Best business card for starters?


@SouthJamaica wrote:

@notoriouswithag wrote:

@Anonymous wrote:

Amex SimplyCash Plus.


 

Leaning towards that the most. Before I pull the trigger I still want to browse around

 

Does anyone have any experience with Citi business, or PNC?  


Let me just say something about Amex Simply Cash and Amex Simply Cash Plus. I have found them not to be as great in practice as they are on paper.  I find that too many purchases which should be getting the bonus points aren't. For me the 3% and 5% rewards have been more illusory than real.


Can you list some places that should be getting rewards for a specific category that aren't with the SCP?

 

I haven't done much with my SP one, and wasn't planning to get one with the new corp incarnation but on paper to your point it is still attractive.




        
Message 11 of 33
notoriouswithag
Regular Contributor

Re: Best business card for starters?

Thanks for the heads up SouthJamaica.

Keeping that in mind and based on other responses I will probably still lean into Amex, but other suggestions to look at are always welcome!
Credit rebuild journey started 4/2017: Exp: 558|EQ:533|TU:565
As of 12/2018: Exp:679|EQ:652|TU:680

-Discover IT: $500 secured SL---->$1,950 |
-Capital One Venture 1: $5,500|
AMEX Blue Cash Everyday $1,000 (04/2018)|
AMEX Delta Gold SkyMiles $2,000(04/2018)| AMEX SPG $1,000(8/2018)| PNC Cash Rewards Visa $4,000(8/2018)| AU : United MileagePlus Explorer+ BoA BankAmeriCard
Message 12 of 33
CreditSweeper
Established Contributor

Re: Best business card for starters?

For what it’s worth, I’ve had the Simply Cash Plus for a while now and haven’t had any problems with the rewards.

As with other cards too, it’s all in how the merchant is coded.
Personal Credit -
AMEX: Platinum, Gold, Green, Blue Cash Preferred
PNC: Cash Rewards, Points
BOA: Cash Rewards
NFCU: Flagship Rewards, Cash Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome, IT
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards, Platinum Rewards
Alliant: Visa Signature
Goldman Sachs: Apple Card
BBVA: Clear Points
FNBO: Rewards
Store Cards: Target, Macy’s



Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
PNC: Visa Business
Synchrony: Lowes
Message 13 of 33
LittleSal
Frequent Contributor

Re: Best business card for starters?

How is US Bank? Are they difficult to get approved for?
Message 14 of 33
SouthJamaica
Super Contributor

Re: Best business card for starters?


@Revelate wrote:

@SouthJamaica wrote:

@notoriouswithag wrote:

@Anonymous wrote:

Amex SimplyCash Plus.


 

Leaning towards that the most. Before I pull the trigger I still want to browse around

 

Does anyone have any experience with Citi business, or PNC?  


Let me just say something about Amex Simply Cash and Amex Simply Cash Plus. I have found them not to be as great in practice as they are on paper.  I find that too many purchases which should be getting the bonus points aren't. For me the 3% and 5% rewards have been more illusory than real.


Can you list some places that should be getting rewards for a specific category that aren't with the SCP?

 

I haven't done much with my SP one, and wasn't planning to get one with the new corp incarnation but on paper to your point it is still attractive.


I'd rather not get into specifics, but the biggest culprits were advertising, office supplies, and computer/internet.

 

For me they turned out to be fake. One time I counted $400+ on advertising and got bonus points on $35.

 

Office supplies... I don't think I've ever gotten a bonus point.

 

Computer/internet... I use various internet services, never get bonus points.

 

The only bonus category that seems to work is shipping.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 15 of 33
notoriouswithag
Regular Contributor

Re: Best business card for starters?

Thats always good to know as I would probably be spending alot on shipping merchandise

Credit rebuild journey started 4/2017: Exp: 558|EQ:533|TU:565
As of 12/2018: Exp:679|EQ:652|TU:680

-Discover IT: $500 secured SL---->$1,950 |
-Capital One Venture 1: $5,500|
AMEX Blue Cash Everyday $1,000 (04/2018)|
AMEX Delta Gold SkyMiles $2,000(04/2018)| AMEX SPG $1,000(8/2018)| PNC Cash Rewards Visa $4,000(8/2018)| AU : United MileagePlus Explorer+ BoA BankAmeriCard
Message 16 of 33
notoriouswithag
Regular Contributor

Re: Best business card for starters?

also another question, when closing down a personal account and opening a business credit card account how much of a hit am I expecting my CR's to take?

Credit rebuild journey started 4/2017: Exp: 558|EQ:533|TU:565
As of 12/2018: Exp:679|EQ:652|TU:680

-Discover IT: $500 secured SL---->$1,950 |
-Capital One Venture 1: $5,500|
AMEX Blue Cash Everyday $1,000 (04/2018)|
AMEX Delta Gold SkyMiles $2,000(04/2018)| AMEX SPG $1,000(8/2018)| PNC Cash Rewards Visa $4,000(8/2018)| AU : United MileagePlus Explorer+ BoA BankAmeriCard
Message 17 of 33
Janus
Senior Contributor

Re: Best business card for starters?

It will depend on several factors, the age and CL of the acct. you're closing. As it will affect overal utilization. I would suggest closing it after any app you intend to do though. Also, I've heard that CCC's don't really like it when you close an account under 12 months old.

 

@SouthJamaica wrote:

I'd rather not get into specifics, but the biggest culprits were advertising, office supplies, and computer/internet.

 

For me they turned out to be fake. One time I counted $400+ on advertising and got bonus points on $35.

 

Office supplies... I don't think I've ever gotten a bonus point.

 

Computer/internet... I use various internet services, never get bonus points.

 

The only bonus category that seems to work is shipping.


Where is it used, could it simply be the code merchants are using?

One reason I was interested in Simply Cash was for office supplies, Staples Or Office Depot. Seems obvious that they would earn bonus points? Or even used at Quill and Uline, who also sells office supplies.

 

Also wanted it for 5% on wireless telephone services. But I assume I would have to open a biz account with my Carrier, not use my current cell? The more I research the harder it gets to narrow down. Have to decide between SC+ or Bonvoy, and whther I want savings on daily spend or to use for Hotel stays.






Message 18 of 33
notoriouswithag
Regular Contributor

Re: Best business card for starters?

closed my marriot bonvoy card and applied for the Simply Cash Plus card, filled out  app as sole proprietor and was asked about projected revenue.

 

FIlled it out and submitted, got the 14 day review message. really hoping its not a denial, im unsure on financials as the business is still essentially brand new so revenue is slow to statrt but im already working on expanding

Credit rebuild journey started 4/2017: Exp: 558|EQ:533|TU:565
As of 12/2018: Exp:679|EQ:652|TU:680

-Discover IT: $500 secured SL---->$1,950 |
-Capital One Venture 1: $5,500|
AMEX Blue Cash Everyday $1,000 (04/2018)|
AMEX Delta Gold SkyMiles $2,000(04/2018)| AMEX SPG $1,000(8/2018)| PNC Cash Rewards Visa $4,000(8/2018)| AU : United MileagePlus Explorer+ BoA BankAmeriCard
Message 19 of 33
notoriouswithag
Regular Contributor

Re: Best business card for starters?

Just got email, denied.

I guess i will try to recon
Credit rebuild journey started 4/2017: Exp: 558|EQ:533|TU:565
As of 12/2018: Exp:679|EQ:652|TU:680

-Discover IT: $500 secured SL---->$1,950 |
-Capital One Venture 1: $5,500|
AMEX Blue Cash Everyday $1,000 (04/2018)|
AMEX Delta Gold SkyMiles $2,000(04/2018)| AMEX SPG $1,000(8/2018)| PNC Cash Rewards Visa $4,000(8/2018)| AU : United MileagePlus Explorer+ BoA BankAmeriCard
Message 20 of 33
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