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Best business credit card with 0% intro APR and no foreign transaction fees

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Schmoopy
New Contributor

Best business credit card with 0% intro APR and no foreign transaction fees

Hey,

I'm looking for a business credit card with 0% intro APR and no foreign transaction fees.

I saw Wells Fargo Business platinum credit card offers that together with $300 cash back after spending $3000 & 1.5% cash back.

BofA Travel Rewards business card also offers that with $300 travel credit after spedning $3000 & 1.5% cash back as well. It also offers 3% back on travel booked at the BofA portal.

 

Is it safe to assume WF will pull EX only while BofA could end up pulling all 3 bureaus?

 

Does anyone know a business card that can beat it? Needs to have 0% intro APR *and* no foreign transaction fees. Thanks!

8/2017 Experian 684 | 11/2017 Transunion 640 | 10/25/2018 Experian 784, Transunion 711, Equifax 707 | 11/1/2018 Experian 797, Transunion 709, Equifax 709 | 2/20/2021 Experian 744, Transunion 716, Equifax 703 | 1/29/2022 Experian 695, Transunion 700, Equifax 700 | 6/11/2022 Experian 792, Transunion 749, Equifax 742 | 8/4/2022 Experian 757, Transunion 782, Equifax 745 | 3/22/2023 Experian 817, Transunion 825, Equifax 827
Message 1 of 9
8 REPLIES 8
Schmoopy
New Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees

I also have an existing relationship with Bank of America - two personal credit cards and another business card. Any chance BofA will do a soft pull only cause of that or unlikely?

8/2017 Experian 684 | 11/2017 Transunion 640 | 10/25/2018 Experian 784, Transunion 711, Equifax 707 | 11/1/2018 Experian 797, Transunion 709, Equifax 709 | 2/20/2021 Experian 744, Transunion 716, Equifax 703 | 1/29/2022 Experian 695, Transunion 700, Equifax 700 | 6/11/2022 Experian 792, Transunion 749, Equifax 742 | 8/4/2022 Experian 757, Transunion 782, Equifax 745 | 3/22/2023 Experian 817, Transunion 825, Equifax 827
Message 2 of 9
MrDisco99
Valued Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees

0% intro and no FTF... I don't know... Cap1?

Message 3 of 9
Schmoopy
New Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees

Thanks. The cap1 card with 0% APR does have FTF.

 

I applied to BofA business travel rewards and was approved for $10,500 credit limit. They pulled TU. I'm In CA. 

8/2017 Experian 684 | 11/2017 Transunion 640 | 10/25/2018 Experian 784, Transunion 711, Equifax 707 | 11/1/2018 Experian 797, Transunion 709, Equifax 709 | 2/20/2021 Experian 744, Transunion 716, Equifax 703 | 1/29/2022 Experian 695, Transunion 700, Equifax 700 | 6/11/2022 Experian 792, Transunion 749, Equifax 742 | 8/4/2022 Experian 757, Transunion 782, Equifax 745 | 3/22/2023 Experian 817, Transunion 825, Equifax 827
Message 4 of 9
SouthJamaica
Mega Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees


@Schmoopy wrote:

Thanks. The cap1 card with 0% APR does have FTF.

 

I applied to BofA business travel rewards and was approved for $10,500 credit limit. They pulled TU. I'm In CA. 


Congratulations. Enjoy the card.


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

Message 5 of 9
cashorcharge
Community Leader
Super Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees

WooHoo!! Congratulations on your BofA Approval!!👏🏼🍾🥂

 

Message 6 of 9
SPChaser
Established Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees


@Schmoopy wrote:

Hey,

I'm looking for a business credit card with 0% intro APR and no foreign transaction fees.

I saw Wells Fargo Business platinum credit card offers that together with $300 cash back after spending $3000 & 1.5% cash back.

BofA Travel Rewards business card also offers that with $300 travel credit after spedning $3000 & 1.5% cash back as well. It also offers 3% back on travel booked at the BofA portal.

 

Is it safe to assume WF will pull EX only while BofA could end up pulling all 3 bureaus?

 

Does anyone know a business card that can beat it? Needs to have 0% intro APR *and* no foreign transaction fees. Thanks!


What about Amex Platinum Business card? I know it's a charge card, but I think they're still offering 0% APR for 12 months. My only caveat is that depending on your POT limit, the card may not be beneficial. Yeah, you would have no interest for a year, but if that POT limit is $2000, there is not much you can do with that if you're  planning on a much bigger purchase to pay off later on. 

“Play the game, but don't believe in it“
Message 7 of 9
trvlscmmr
Regular Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees


@SPChaser wrote:

@Schmoopy wrote:

Hey,

I'm looking for a business credit card with 0% intro APR and no foreign transaction fees.

I saw Wells Fargo Business platinum credit card offers that together with $300 cash back after spending $3000 & 1.5% cash back.

BofA Travel Rewards business card also offers that with $300 travel credit after spedning $3000 & 1.5% cash back as well. It also offers 3% back on travel booked at the BofA portal.

 

Is it safe to assume WF will pull EX only while BofA could end up pulling all 3 bureaus?

 

Does anyone know a business card that can beat it? Needs to have 0% intro APR *and* no foreign transaction fees. Thanks!


What about Amex Platinum Business card? I know it's a charge card, but I think they're still offering 0% APR for 12 months. My only caveat is that depending on your POT limit, the card may not be beneficial. Yeah, you would have no interest for a year, but if that POT limit is $2000, there is not much you can do with that if you're  planning on a much bigger purchase to pay off later on. 


The 0% Amex Business Plat intro offer is only for purchases $100 or more, purchases that qualify for pay over time. 

Message 8 of 9
AzCreditGuy
Established Contributor

Re: Best business credit card with 0% intro APR and no foreign transaction fees

I have gotten some great information on this site for Business Credit, but if I wanted more credit for my Business after learning so much here. I wouldnt bother with my current banks USBank or Wells Fargo...Just for the sake getting more INQs on my personal report. I just obtained a GM Business CC with 0% APR and Soft Pulls on my Personal and Business and nice hefty CL at $31k. The banks would my last resort and even than I wouldnt be happy going with them.

Message 9 of 9
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