Credit Cards
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Answers
It's my understanding that "Corporate" credit cards are secured by the business, while "Business" credit cards are also secured by the underlying owners. My business is well established, has 4 yrs of tax records and has been profitable every year. How do I get a Corporate card that will accept my $1MM annual revenue? If I recall correctly, AMEX will not allow me to get their Corporate card until we have revenues exceeding $2MM. Any suggestions on getting a credit card secured solely by my business would be welcome. Thanks.
Check my profile under credit. There are all the cards and descriptions there that you need. Dealing direct with the provider is your added advantage. I got my card from there and its international. Great when it comes to the exchange rate.
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Is there a difference in the two?
I've been put in charge of finding new "corporate credit cards" for our small incorporated non-profit, but I'm finding very few corporate cards and a lot more for small business.
We'd like one with rewards, but non of the corporate cards seem to offer rewards.
A true business credit card is a line of credit that is taken in the name of the business, under the business' credit. Activity, whether good or bad, is reflected on your business' credit report through D&B and other financial institutions, and the liability for any debts incurred and bills owed is with the business.However, some companies out there offer "business" credit cards which they require a person guarantee for. These institutions will often ask for a personal guarantee, and will almost always ask for a social security number from the person applying for the card. If this is the case, the credit card is not a business credit card, but is simply a personal credit card which is used for the business. The business is not liable for bills and debts - you are.When applying for a credit card for your business, watch out for areas asking for your SSN (and not your TaxID or EIN) and be wary of any credit card that asks for a personal guarantee. By ensuring that your credit card is in the name of your business, you can help to build your business' credit, while avoiding creating problems with your own.
Many companies offer a list of credit cards that are issued under the business name only. Those lists typically run $300-$900, depending on the quality of the information inquiring. I would suggest starting your search online via google or yahoo. Search for "strong business credit" (just like that in quotes) to find services that sell the information.
Good luck,
Ilya Bodner
Small Business Owner
Initial Underwriting Group
No. Most business are considered a different entity. Legally businesses are people. That is if you filed your business as a corporation or something similar.
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When you say business credit card, the world of options can be a bit confusing. The largest market for business credit cards tends to be the small business person. And this only makes sense – the small business sector is the driving engine of the U.S. economy and creates the lion's share of new jobs in this country each year. The major issuers of Visa, MasterCard and American Express consumer credit cards have created products specifically for the small business sector and their unique payment needs.
But what are the credit card options for larger companies, non-profit organizations and government organizations that need an efficient method for procurement of goods and services? There certainly are credit card product options for these types of entities, but they are often custom-tailored options provided by certain issuers rather than an off the shelf, prepackaged product. This is why consumers and small business people don't see corporate or fleet purchasing card products advertised in traditional media.
These products are normally sold to client organizations and government entities. The options could best be compared to insurance health plans in that they are provided by large and for large organizations and managed through an assigned account management team to meet the ongoing needs of the client organization. The card payment needs of fortune 500 companies along with large charitable organizations or even city, state and federal government departments can be quite complex. Beyond mere payments capabilities these types of organizations often need to track, review, approve and reimburse their employees travel and entertainment expenses through complex, custom designed software programs that often must interface with human resources platforms.
Another primary distinction between a small business credit card and a large organization corporate card involves payment responsibility. Small business credit cards are issued in the personal name of the small business principal, although his business is jointly responsible for keeping the business account current. Corporate cards are normally issued in the name of the corporation, non-profit or government entity name. As with the nature of the corporate structure in American business law – the corporation is considered an individual and the liability for repayment is placed upon the organization and not the individual or individuals using the cards. The secondary repayment responsibility between the company and its employees is set and enforced using human resources policies.
So, while the differences between the types of credit cards used within the business world can be a bit confusing, it's probably a safe bet to assume any card advertised in the mass media or online is designed for the small business person. If you or your organization needs a small business credit card, you can review a list of business credit card offers from Citibank, American Express and Advanta and apply online for the credit card of your choice.
AAA Credit Card
AAA Rewards Visa Credit Card (Northern California, Nevada, Utah)
AAdvantage American Express from Citi
AAdvantage Bronze MasterCard from Citi
AAdvantage Bronze MasterCard from Citi for College Students
AAdvantage Gold World MasterCard from Citi
AAdvantage CitiBusiness Card
AARP Platinum Visa
AARP Rewards Platinum Visa Credit Card
AARP Travel Plus Visa Signature Card
Abercrombie & Fitch Credit Card
Access Visa
AccountNow® Prepaid MasterCard® Card
Adirondack Trust Company MasterCard or Visa
Advanta Business World MasterCard
Advanta Platinum 90-Day Interest Free BusinessCard
Aer Lingus Rewards MasterCard
Agriculture Federal Credit Union Visa
AICPA Platinum Visa Card
Air BP Visa
Air Canada MasterCard
Aircraft Owners and Pilots Association MasterCard
Air Force Association Platinum MasterCard
AirTran Airways A+ Business Card
AirTran Airways A+ Visa Signature Credit Card
Alabama Central Credit Union MasterCard or Visa
Alaska Airlines Visa
Alaska Airlines Visa Business Card
Albina Community Bank Loop Card
All-Access Visa Prepaid Card
Allow Card Prepaid MasterCard
Alternatives Federal Credit Union Visa
Amalgamated Bank MasterCard
Amalgamated Bank Union MasterCard
Amalgamated Bank Secured Gold MasterCard
Amazon.com Business Credit Card
Amazon.com Platinum Visa Credit Card
American Association of Neurological Surgeons Credit Card
American Bar Association Visa
American Boating Association Credit Card
American Canine Association Platinum MasterCard
American Chemical Society Credit Card
American DreamCard MasterCard
American Eagle Outfitters Credit Card
American Express Business ExtrAA Corporate Card
American Express Business Gold Rewards Card
American Express Business Green Rewards Card
American Express Business Membership Rewards Card
American Express Business Platinum Card
American Express Card for Students
American Express Cash Rebate Card
American Express Corporate Card
American Express Executive Business Card
The American Express Gold Card
American Express Golf Card
American Express Optima Card
American Express Optima Platinum Card
American Express Platinum Business Credit Card
American Express Platinum Card
American Express Platinum Cash Rebate Card
American Express Preferred Rewards Gold Card
American Express Preferred Rewards Green Card
American Express Rewards Plus Gold Card
American Express SimplyCash Business Card
American Institute of Architects Credit Card
American Kennel Club Rewards Visa
American Legion Auxiliary Visa
American Legion Visa
American Medical Association Business Credit Card
American Medical Association Platinum Visa Credit Card
American Medical Student Association Credit Card
American Paint Horse Association Credit Card
American Photo Visa Card
American Quarter Horse Association Business Credit Card
American Quarter Horse Association Credit Card
American Savings Bank Secured Visa
American Savings Bank Student Secured Visa
American Savings Bank Visa
American Savings Bank Visa Gold
American Skiing Company Edge MasterCard
American Society of Civil Engineers Credit Card
American Society of Mechanical Engineers Credit Card
American State Bank Credit Card (Iowa)
American State Bank & Trust Visa (North Dakota)
American State Bank Visa (Texas)
American Taekwondo Association Credit Card
American University MasterCard
America's Christian Credit Union Credit Cards
Amtrak Guest Rewards MasterCard
AmTrust Bank Rewards American Express Card
AmTrust Bank WorldPoints Credit Card
ANB Financial MasterCard or Visa
AnimalSafe MasterCard
Anne Geddes Visa Platinum
Ann Taylor Credit Card
Ann Taylor Visa
AOL Visa (America Online Credit Card)
Appalachian Community Bank Credit Card
Apple Credit Account MasterCard
Applied Bank® Secured Visa®
Applied Bank® Secured Visa® Gold Credit Card
Arcadia University MasterCard
Arizona Cardinals Credit Card
Arizona Diamondbacks Extra Bases Credit Card
Arizona Diamondbacks Ultimate Fan Rewards MasterCard
Arizona State University Alumni Association MasterCard
Arizona State University Student Credit Card
Armed Forces Bank Credit Card
Arriva Card Credit Card
Arvest Bank Corporate Credit Card
Arvest Bank Credit Card
Asiana Airlines Credit Card
ASPCA Platinum Visa Credit Card
Associated Bank Platinum Credit Card
Associated Bank Rewards Credit Card
Association of Graduates U.S. Air Force Academy Credit Card
Association of Graduates U.S. Military Academy Credit Card
Association of Trial Lawyers of America Credit Card
Athena Equipment & Supply Home Source Credit Card
Atlanta Braves Extra Bases Credit Card
Atlanta Falcons Credit Card
Atlanta Postal Credit Union Visa Cards
Atlanta Thrashers Credit Card
Atlantic Stewardship Bank Credit Card
AT&T Universal Business Rewards Card
AT&T Universal Savings Platinum Card
AT&T Universal S
ah i had a list going all through the alphabet :(
http://www.indexcreditcards.com/creditca rdlist.html
18, however an older parent can give a young person a credit card
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Requirements for Corporate Business Credit Cards
Different companies have different requirements. They also will have several different features, such as cash advance as well as different rates. It is best that you look at several different banks to ensure that you are getting the best one for both you and your business. You should always start at your bank and go from there. Sometimes, with established customers banks will provide you with a good deal for your credit card. When you begin to fill out a corporate credit card application you should have all of your necessary information available. The information you are going to need is your company’s annual revenue, name, address and the date it was established. You are also going to need to provide the type of industry it is as well as the tax ID number, the fax and phone number as well as the names of all the people that will be allowed to use the card. Corporate business credit cards are usually approved to businesses that have very strong credit. If you are able to maintain good credit then you will have no problems getting in with a corporate credit card. If you do not have good credit then there are some things that you can do to improve it. You can start by paying off any past due amounts associated with you or your company. It is also a good idea to always be sure to pay all payments on time. Keep in mind that all those that are going to be authorized to use your card are going to need to have background checks as well. It helps if there have been no foreclosures or bankruptcies in the past for anyone involved. If someone that is authorized to use the card has bad credit then it may be a good idea to give them a chance to clean it up before you apply for the card. If you are unable to provide good enough credit and it cannot be fixed then you need to be sure that you have all the necessary information readily available and organized for the company to look over. This will make not just you but your company looks good as well. Make sure all of the information that you provide is accurate up to date. The more organized you provide the necessary information the better your chances are at getting approved. Remember that if you get turned down you should not give up.
News
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The Money TimesIn another positive sign, corporate spending is starting to pick up, Mr. Chenault said. The tone appeared to be more optimistic than other credit-card firms Is American Express's rally sustainable?AmEx Chief Sees Signs of HopeAmerican Express Beats Estimates as Card Losses Ease - -all 273 news articles »
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How — and when — will BofA shepherd its credit-card business back to profitability? It's easy to point to the economy as the source of BofA's credit-card Industry hobbled as consumers deal with credit card debtall 2 news articles »Washington Post - Oct 23, 2009
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Tampabay.com - Oct 24, 2009
Bank of America, for instance, said it has modified interest payment schedules for 49000 small-business credit card customers in the first nine months of and more »Wall Street Journal - Oct 23, 2009
Obtaining financing for their companies can be difficult without a strong business credit history. At the same time, banks and credit-card issuers have and more »Providence Business News - Oct 25, 2009
Mourao estimates card fees eat $2 on every $20 bouquet of roses paid with plastic. Like many retail-business owners, Mourao finds his profit cut by card
Wall Street Journal - Oct 23, 2009
KOMO NewsWASHINGTON--A key US House panel, in a slap to the credit-card industry, on Thursday voted to move up by two months the effective date of House committee: Move up credit card lawMost cus Exempted from Expedited CARD Act Measureall 122 news articles »