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Looking for a Biz CC that offers a Bal Transfer, preferably that doesnt report to Personal Credit

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CreditCharmer
Regular Contributor

Looking for a Biz CC that offers a Bal Transfer, preferably that doesnt report to Personal Credit

I have a solid Personal Credit History but I'm trying to start Business Credit.  I'm wondering if there is such a Unicorn of a Business Card that fits the following criteria:

  • Offers Balance Transfer (Ideally, I'd like to BT about 8k)
  • Allows for Small Business applicants (Sole Proprietor)
  • Doesn't report to Personal Credit (I don't mind an initial hard pull to Personal)
  • PG is optional, not a deal breaker as I do not have an EIN yet

Does this card only exist in my dreams or can someone point me in the right direction?

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









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Message 1 of 5
4 REPLIES 4
cashorcharge
Community Leader
Super Contributor

Re: Looking for a Biz CC that offers a Bal Transfer, preferably that doesnt report to Personal Cred

It certainly does....going through the approvals lately will help you out

Check out:
FNBO Evergreen Rewards

US Bank

Elan 

Bank of America

Wells Fargo

Message 2 of 5
CreditCharmer
Regular Contributor

Re: Looking for a Biz CC that offers a Bal Transfer, preferably that doesnt report to Personal Cred

 


@cashorcharge wrote:

It certainly does....going through the approvals lately will help you out

Check out:
FNBO Evergreen Rewards

US Bank

Elan 

Bank of America

Wells Fargo

I will definitely check out these options.  I have a great relationship with BOA.  I was under the impression that BOA Biz required an EIN.  
I'll have to read up on Elan.  

Thank you so much for sharing.  

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


Message 3 of 5
cashorcharge
Community Leader
Super Contributor

Re: Looking for a Biz CC that offers a Bal Transfer, preferably that doesnt report to Personal Cred


@CreditCharmer wrote:

 


@cashorcharge wrote:

It certainly does....going through the approvals lately will help you out

Check out:
FNBO Evergreen Rewards

US Bank

Elan 

Bank of America

Wells Fargo

I will definitely check out these options.  I have a great relationship with BOA.  I was under the impression that BOA Biz required an EIN.  
I'll have to read up on Elan.  

Thank you so much for sharing.  


Most might and applying for an EIN is painless and easy.  You may never use it but having it when you does add some legitimacy to your Sole Prop

Message 4 of 5
SouthJamaica
Mega Contributor

Re: Looking for a Biz CC that offers a Bal Transfer, preferably that doesnt report to Personal Cred


@CreditCharmer wrote:

I have a solid Personal Credit History but I'm trying to start Business Credit.  I'm wondering if there is such a Unicorn of a Business Card that fits the following criteria:

  • Offers Balance Transfer (Ideally, I'd like to BT about 8k)
  • Allows for Small Business applicants (Sole Proprietor)
  • Doesn't report to Personal Credit (I don't mind an initial hard pull to Personal)
  • PG is optional, not a deal breaker as I do not have an EIN yet

Does this card only exist in my dreams or can someone point me in the right direction?


The optional PG isn't going to happen. But fitting the other criteria:

 

FNBO Evergreen Business Visa

BHG More Business Mastercard


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 710 TU 711 EX 715




Message 5 of 5
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