Small business credit card with rewards.

AT&T Universal Business Rewards Card
* 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
* Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
* Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
* Additional cards for employees with credit limits you set
* No Annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Ink« Classic Business - Up to 25,000 Bonus Points
* EARN 5X Points on the first $25,000 in spend annually on office supplies, wireless services, landline communication and cable services
* EARN 2X Points on the first $25,000 in spend annually on fuel and lodging
* Unlimited 1 point per dollar on all other purchases
* Redeem points for travel, experiences, gift cards, merchandise, and more; rewards never expire.
* 0% Intro APR for 6 months for purchases and balance transfers*
* No annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

PEX Visa« Prepaid Business Card
* Instantly Fund Employee Purchases
* Gain 24/7 Control Over Where and How Much Employees Spend
* Save Money - No Surprise Interest Charges or Overdraft Fees
* Monthly Reporting
* Worldwide Card Acceptance

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

The Business Platinum Card® from American Express OPEN
* Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
* 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
* Complimentary airport club access, including American Airlines Admirals Club® lounges
* Concierge service to assist with your business needs from gift giving to dinner reservations
* Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club®, Avis Preferred®, and Emerald club from National® Car Rental
* The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
* Enrollment in the Membership Rewards First® program
* No pre-set spending limit*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Starwood Preferred Guest® Business Credit Card from American Express OPEN
* Earn up to 25,000 Starpoints® - Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel.
* Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
* $0 introductory annual fee for the first year, then $65

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Gold Delta SkyMiles® Business Credit Card from American Express OPEN
* Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
* Check your first bag free - for up to 8 people on your reservation - on every Delta flight
* Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
* Priority Boarding and 20% In-Flight Savings
* $0 intro annual fee for the first year, then $95
* No annual fee for Additional Cards
* Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

SimplyCash® Business Card from American Express OPEN
* Get 5% cash back on wireless services and office supply purchases*
* Get 3% cash back on automobile gasoline*
* Get 1% cash back on other purchases*
* No limit to the amount of cash back you can earn
* Cash back on purchases is automatically credited to your statement each month
* Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
* No annual membership fee

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

The NEW Business Gold Rewards Card® from American Express OPEN
* Earn points even faster to get more rewards for your business
* 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else
* One million rewards from over 500 brands
* Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire
* 24/7 support for everything from identity theft to travel emergencies
* $0 introductory annual fee for the first year, then $175
* Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived the first year

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

PEX Visa® Prepaid Business Card
* Instantly Fund Employee Purchases
* Gain 24/7 Control Over Where and How Much Employees Spend
* Save Money - No Surprise Interest Charges or Overdraft Fees
* Monthly Reporting
* Worldwide Card Acceptance

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Capital One® Spark^(SM) Cash for Busines
* Earn 2% cash back on every purchase, every day
* Get a $100 cash bonus - just spend $1,000 within the first 3 months
* Receive a $50 cash bonus by signing up for one or more employee cards
* Enjoy award-winning small business customer service
* $0 intro annual fee for the first year; $59 after that
* Redeem cash rewards anytime, for any amount, even set up automatic redemption
* Earn unlimited cash rewards that don't expire

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Capital One® Spark^(SM) Miles Select for Business
* Get a 50% bonus on the miles you earn every year
* Earn 1 mile per dollar on every purchase, every day
* Save with 0% intro APR (limited time offer)
* Enjoy no annual fee
* Get online Quarterly and Year-End Summaries
* There's no limit to the amount of miles you can earn and miles don't expire
* Fly on any airline, anytime, with no blackout dates or seat restrictions

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Capital One® Spark^(SM) Miles for Business
* Earn 2 miles per dollar on every purchase, every day
* Get 10,000 bonus miles - just spend $1,000 within the first 3 months
* Receive 5,000 bonus miles by signing up for one or more employee cards
* Enjoy exclusive, award-winning customer service
* $0 intro annual fee for the first year; $59 after that
* There's no limit to the amount of miles you can earn and miles don't expire
* Redeem miles for travel, cash back, gift cards, merchandise, and more
* Fly on any airline, anytime, with no blackout dates or seat restrictions

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Capital One® Spark^(SM) Classic for Business
* Enjoy no annual fee
* Build business credit with eligibility for an automatic credit line increase
* Earn 1% cash back on every purchase, every day
* Separate business expenses from personal expenses
* $0 Fraud Liability if your card is ever lost or stolen
* Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Capital One® Spark^(SM) Cash Select for Business
* Get a 50% bonus on the cash back you earn every year
* Earn 1% cash back on every purchase, every day
* Save with 0% intro APR on purchases (limited time offer)
* Enjoy no annual fee
* Get online Quarterly and Year-End Summaries
* Redeem cash rewards anytime, for any amount, even set up automatic redemption
* Earn unlimited cash rewards that don't expire

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Chase Ink Cash^(SM) Business Card
* $250 cash back bonus after you spend $5,000 within 3 months!
* 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
* 2% cash back on the first $25,000 spent annually on gas and dining
* 1% cash back on all other card purchases with no limit to the amount you can earn
* Cash back rewards do not expire
* 0% Introductory APR for 6 months*
* No Annual Fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

The Chase New Ink Bold^(SM) with Ultimate Rewards
* 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool.
* No limit to the number of points you can earn - and points do not expire.
* 5X points per dollar on the first $50,000 spent annually on eligible business purchases.
* No foreign transaction fees and Free Employee Cards.
* No interest or over limit fees.
* No Annual Fee in the first year - that's a $95 savings.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

CitiBusiness® World Card
* Designed for businesses with an established credit history
* $100 gift card - when you redeem the 10,000 bonus ThankYou(R) points received after $300 in purchases within 3 months of account opening
* 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
* 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases
* Earn rewards for your business expenses, including purchases made on employee cards
* Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
* No annual fee *

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Exact Prepaid MasterCard
* No credit check
* No bank account required
* 100% Guaranteed approval
* No interest
* No late fees
* Have your payroll checks, dividends, disability and government checks (i.e. Social Security, Medicare, Welfare, etc.) deposited directly to your EXACT Prepaid MasterCard account for FREE. Your funds are available the same business day they are received.
* The EXACT Prepaid MasterCard is accepted anywhere MasterCard debit cards are accepted, worldwide. Whether you enjoy staying close to home or traveling abroad you can use your EXACT Prepaid Card to make all your purchases.
* Reloadable online or at 100,000 locations - Convenient loading locations (including PayXone, MoneyGram and Western Union).
* Up to $5,000 balance limit
* Mobile and email alerts
* Online Account Management
* Live customer service - To better assist you, we provide a live customer service line. Call us at (801) 924-1755

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

Credit Card Advice and FAQs:

Can you buy a car with a credit card? Buying a car with a credit card can make sense, particularly if you're buying a used car or using a credit card for a car down payment. In the event of a used car, if the seller made certain guarantees or offered a warranty which he failed to fulfill, you could easily reverse the credit card charge and thus nudge the seller to cooperate to make the situation right. A credit card down payment can also be reversed and is quite helpful when you are in a take-home test period.

Do I need a credit card? Technology has made life easier, yet has also caused a greater need for credit cards. With mobile phone payments, internet transactions, booking airline and motel reservations, there is an ever-growing place for credit cards. Another need for some people to have a credit card is to build or re-establish credit, because a credit card is a major score factor.

There is an easy way to get a credit card: You browse the internet and take time to compare various credit card offers, you narrow your choices down to one and submit your application. A few days later you receive approval decision: Your credit card application was rejected. Why? Because you selected your card based solely upon your desires, not also considering your eligibility. By answering a few questions about your needs AND credit history, a credit card matching company can show you cards to choose from which you will likely receive approval.

The fastest way to get a credit card is to apply for one which you are absolutely certain you'll be approved for. Typically the lower credit limit, little or no rewards cards, have the easiest approval standards. If you are not aware of the score necessary for acceptance, you can use a credit card pre-qualification company.

Is there a company that will help find a credit card for me? Yes. Simply answer a few questions regarding your credit profile and the type; or types, or credit cards which interest you, and the credit card match service will present you with card offers for you to compare and to choose from. The higher your score, the more credit card offers you can choose from and qualify for. This credit card service is especially helpful for those people who are unaware of what score ranges are needed for certain credit cards. Card matching services are also helpful to those who it's their first time getting a credit card.

Can I get a credit card without a job? Some credit card companies will issue credit cards for unemployed people, provided they have some other routine, reliable source of income such as a retirement pension. Some may also approve disabled applicants who receive Social Security Disability payments.

What is the lowest credit score to get a credit card? In order to determine what credit score is needed to get a credit card application accepted, you need to compare the card to others. Cards with higher limits, greater rewards and points, low APR or 0 introductory periods, most always have greater credit score requirements. Whereas a pre-paid debit card offers no credit check and thus does not require good credit scores, a rewards card with a $10,000 limit and low APR demands much higher ratings.

Is not activating a credit card bad? Not activating a credit card is almost as if you don't have a credit card at all, if the issuer requires you to first activate the card before you can place charges on it. Until then, you do not have a line of credit to help improve your credit score. So opening a credit card and not using it is much like having never applied in the first place.

What are the qualifications for a credit card application approval? Qualifying for a credit card is primarily subject to the type of credit card you're applying for. Obviously those high limit and high rewards credit cards require greater approval standards than regular credit cards with low limits and no; or very limited, rewards.

Get cash from a credit card - How to take a credit card payment from someone: You could use PayPal to provide merchant services for a small fee. This way if someone owes you money and has only a credit card, you and the other party could create your own separate PayPal accounts. As the Seller, you'll need only to provide a bank checking account to have the money transferred from the other person's credit card to you. The Buyer; the party who owes you money, will need to sign up for a credit card account. Then you; as Seller, would request funds from the Buyer. Another option is for the person with the credit card to make a purchase at a retail store, then request extra cash back from the credit card transaction.

Using a debit card as a credit card: Debit cards can be used just like credit cards, with the only exception that debit cards typically do not have a line of credit. But, if you obtained your debit card from your bank and the card is attached to your checking account, the bank may offer a small credit limit or an 'overdraft protection' limit which is a temporary credit line. You would have to repay the advance to avoid running up fee and/or interest charges.
 

Credit Card Comparisons & Matching - Many people around the world suffer from a bad credit history, and some do not know what is a good credit card to help build credit, and wonder will a secured credit card help or hurt?

Where can I get help choosing credit card offers and to pick out a credit card that matches my credit? Fortunately there are card options designed specifically for people with past credit issues so it's relatively easy to obtain credit card offers to compare. One advantage is to use a credit card comparison site, as it can provide a credit card search by credit score. When you have less than average credit, you want to use a site which specifically offers a credit card finder for bad credit people.

Which credit card locator can help me find a credit card to establish credit? People just starting out with no credit history should also refer to a credit card research site which contains offer for poor and no credit scores. They can help match you with the credit card or prepaid card which meets your credit profile.

Sub-prime unsecured credit cards: Many of these can assist you in building or rebuilding your credit. Although most of these do not have guaranteed approval, acceptance is more likely with one of these cards versus a rewards credit card.

Secured credit cards: These are also good options for establishing or re-establishing credit, provided the issuer reports to at least one major credit bureau.

Prepaid and debit cards: These cards typically have guaranteed approval and are similar to a traditional checking account. Check with the issuer to see if it reports to a major credit bureau.