Lesson 1, Topic 1
In Progress
Tier 5 P.G. Business Credit Cards
P.G. Credit Card that is Reporting:
CorPay MasterCard
Type: Revolving Credit
Reports To: D&B, Experian, Equifax
Requirements/Notes: Credit limit: up to $50,000 | Min.Credit Score: 620+ | Rewards: Earn a 1.5% rebate when you pay your business bills through Corpay One and a 1% rebate on eligible purchases. Corpay One reports your Corpay Mastercard activity to major commercial bureaus including Equifax, Dun & Bradstreet and Experian Commercial. | APR: Varies on application | Notes: Corpay One helps you reduce the manual work of paying business bills and managing expenses with smart scanning, bill pay, easy approval workflows, accounting system sync and more! You’ll have up to 51 days to pay back your purchases.*Uses Experian to do a hard credit pull.
P.G. Business Cards that are not Reporting
| TIER | COMPANY NAME | BEST FOR | REPORTS TO | REQUIREMENTS & NOTES | APPLICATION LINK |
| Tier 5 | A-B Fuel Visa Card | Revolving Credit | Does Not Report | No P.G. required with good business credit history. | Click Here to Apply |
| Tier 5 | American Express Business Gold Card | Revolving Credit | Does Not Report | Credit limit: doesn’t have a preset credit limit. Instead, it offers the flexibility of a charge card by allowing you to purchase what you need with it as long as you pay off your balance each billing statement. | Min.Credit Score: 690+ | Rewards: 4X POINTS On Top 2 Business Categories where your business spent the most each billing cycle. 1X POINTS On Other Select Purchases. 25% AIRLINE BONUS on Flights when you book your flight with Amex Travel using points. | Current Welcome Bonus Value: 80,000 Membership Rewards Points after you spend $10,000 in eligible purchases on the Card within your first 3 months of Card Membership. | APR: 15.74% (Prime Rate + 10.99%) to 23.74% (Prime Rate + 18.99%) | Click Here to Apply |
| Tier 5 | Best Buy Visa Card | Revolving Credit | Does Not Report | N/A | Click Here to Apply |
| Tier 5 | Blue Business Cash Card from American Express | Revolving Credit | Does Not Report | Credit limit: $1,000-$10,000 | Min.Credit Score: 690+ | Rewards: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Current Welcome Bonus Value: Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. | APR: 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 14.74% – 22.74% | Click Here to Apply |
| Tier 5 | Blue Business Plus Credit Card from American Express | Revolving Credit | Does Not Report | Credit limit: doesn’t have a preset credit limit. Instead, it offers the flexibility of a charge card by allowing you to purchase what you need with it as long as you pay off your balance each billing statement. | Min.Credit Score: 690+ | Rewards: 2X points on the first $50,000 spent in purchases each year. 1X points on purchases thereafter. | Current Welcome Bonus Value: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. | APR: 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 14.74% – 22.74% | Click Here to Apply |
| Tier 5 | Business Advantage Customized Cash Rewards Mastercard | Revolving Credit | Does Not Report | Credit limit: $500+ | Min.Credit Score: 690+ | Rewards: Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases. Earn 3% and 2% cash back on the first $50,000 in combined category/dining purchases each calendar year, 1% thereafter. You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% on your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases. | Current Welcome Bonus Value: $300 statement credit bonus offer. | APR: 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 12.99% – 22.99% will apply. | Click Here to Apply |
| Tier 5 | Business Platinum Card from American Express | Revolving Credit | Does Not Report | Credit limit: no preset spending limit, giving you purchasing power that adjusts with your use of the card. | Min.Credit Score: 740+ | Rewards: Earn 120,000 Membership Rewards points after you spend $15,000 on eligible purchases with your new Card in the first 3 months of Card Membership. Get 5X Membership Rewards points on flights and prepaid hotels on amextravel.com Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. 1X points for each dollar you spend on eligible purchases. | Welcome Bonus value: $2,400 | APR: 0% introductory APR for the first 12 months from the date of account opening.After that, your APR will be 15.74% (Prime Rate + 10.99%) to 23.74% (Prime Rate + 18.99%) based on your creditworthiness | Click Here to Apply |
| Tier 5 | Capital One Spark 1.5% Cash Select | Revolving Credit | Does Not Report | Credit Limit: $500+ | Min.Credit Score: 640+ | Rewards:Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. | APR: 0% intro APR for 12 months; then 16.24% – 24.24% variable APR based on your creditworthiness. | Click Here to Apply |
| Tier 5 | Capital One Spark 1.5% Cash Select (for Excellent Credit) | Revolving Credit | Does Not Report | Credit Limit: $500-$25,000 | Min.Credit Score: 740+ | Rewards:Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. | Welcome Bonus Value: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. | APR: 13.49% – 19.49% variable APR | Click Here to Apply |
| Tier 5 | Capital One Spark 2% Cash Plus card | Revolving Credit | Does Not Report | Credit limit: No preset spending limit. Adjusts to your spending power. | Min.Credit Score: 740-850 | Rewards: Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.| APR: There’s no APR because your balance is due in full every month. Otherwise, you’ll be charged a 2.99% monthly late fee. | Click Here to Apply |
| Tier 5 | Capital One Spark 1.5X Miles Select | Revolving Credit | Does Not Report | Credit Limit: $500+ | Min.Credit Score: 670+ | Rewards: Earn 20,000 bonus miles once you spend $3,000 in the first 3 months. Transfer miles to 15+ travel partners. Unlimited 1.5X miles on every purchase, with no minimums or expiration date. | APR: 0% intro APR for 9 months; 14.24% – 24.24% variable APR after that. | Click Here to Apply |
| Tier 5 | Capital One Spark 2X Miles | Revolving Credit | Does Not Report | Credit Limit: $500-$50,000 | Min.Credit Score: 740+ | Earn 50,000 bonus miles once you spend $4,500 in the first 3 months. Transfer miles to 15+ travel partners. Rewards: Unlimited 2X miles on every purchase, with no minimums or expiration date | APR: 21.24% variable | Click Here to Apply |
| Tier 5 | Capital One Spark Classic for Business | Revolving Credit | Does Not Report | Credit limit: $500+ | Min.Credit Score: 640+ | Rewards: Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. | APR: 26.99% variable | Click Here to Apply |
| Tier 5 | Chase Ink Business Cash Credit Card | Revolving Credit | Does Not Report | Credit limit: $3,000-25,000 *You can also request a credit line larger than $25,000, but you’ll go through a more detailed approval process. | Min.Credit Score: 700+ | Rewards: EARN 5% CASH BACK on the first $25,000 spent in combined purchases each account anniversary year. At office supply stores, internet, cable and phone services. EARN 2% CASH BACK on the first $25,000 spent in combined purchases each account anniversary year** EARN 1% CASH BACK on all other purchases, gas stations and restaurants. | Welcome Bonus Value: Earn $750 Bonus Cash Back. After you spend $7,500 on purchases in the first 3 months after account opening. | APR: 0% fixed Intro APR for the first 12 months that your Account is open. After that, 13.99% to 19.99%, based on your creditworthiness. | Click Here to Apply |
| Tier 5 | Chase Ink Business Preferred Credit Card | Revolving Credit | Does Not Report | Credit limit: $500-$25,000 | Min.Credit Score: 640+ | Rewards: Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year. Shipping, Advertising purchases made with social media sites and search engines, Internet, cable and phone services, Travel. Earn unlimited 1 Point Per $1 spent on all other purchases. Points do not expire as long as your account is open. | Welcome Bonus Value: 100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening.*Same page link to Offer Details That’s $1,000 cash back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. For example, 100,000 points are worth $1,250 towards travel. | APR: 16.74%–21.74% variable | Click Here to Apply |
| Tier 5 | Chase Ink Business Unlimited Credit Card | Revolving Credit | Does Not Report | Credit limit: up to $25,000 | Min.Credit Score: 700+ | Rewards: Earn unlimited 1.5% Cash Back rewards on every purchase made for your business. | Welcome Bonus Value: $750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening | APR: 0% intro APR for 12 months from account opening on purchases. After that, 13.99%–19.99% variable APR. | Notes: Employee cards at no additional cost | Click Here to Apply |
| Tier 5 | CitiBusiness AAdvantage Mastercard | Revolving Credit | Does Not Report | Credit limit: N/A | Min.Credit Score: 660+ | Rewards: Earn 65,000 American Airlines AAdvantage bonus miles and rewards for your business. Bonus miles earned after $4,000 in purchases within the first 4 months of account opening. First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation – savings of up to $300 per round trip. 25% savings on inflight food and beverage purchases on American Airlines flights when you use your card/. Preferred boarding on American Airlines flights. 25% savings on American Airlines inflight Wi-Fi purchases when you use your card. Earn an American Airlines Companion Certificate for domestic travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed. Earn 1 Loyalty Point for every 1 eligible mile earned from purchases. | APR: 17.49% to 26.49% | Notes: No foreign transaction fees on overseas purchases. | Click Here to Apply |
| Tier 5 | Navy Federal Card | Revolving Credit | Does Not Report | N/A | Click Here to Apply |
| Tier 5 | PenFed Gas Card | Revolving Credit | Does Not Report | N/A | Click Here to Apply |
| Tier 5 | Shell Small Business Card | Revolving Credit | Does Not Report | N/A | Click Here to Apply |