How to get the best business credit cards

A business credit card provides a way to access funds for your business. This is particularly useful for small businesses. It might not always be easy to get loans. A credit card provides a way to make purchases on credit.
Business credit cards come with higher limits when compared to personal cards. Many business credit cards offer reward programs. Choose the card carefully, see if you can the rewards that are offered.

A small business can benefit from getting a good business credit card. It provides access to ready credit. You a need to have an excellent credit score to get the best cards. Business cards also let you issue cards to your employees.
Business cards offer points for purchases in different categories like office supplies, mobile phones, phone plans, travel etc. Some cards offer rewards exclusively in one category. When you’re looking for cards, see if you can the rewards that are offered.

If you intend to carry a balance on your credit card, look for cards with a low APR. Also look for cards with no annual fee.These types of cards may not offer many perks but they help you keep costs down by offering low interest rates. Understand their conditions about late payment penalties. In some cards, this might involve a higher rate of interest.
Numerous cards offer bonus points if you spend a certain amount within the first few months of getting the card. You can use these points towards purchases, mostly travel related.

Reward cards charge a high annual fee, though some may waive this in the first year. See if the benefits you get are worth the yearly payment. Some cards also offer an intro APR of 0% for a limited period of time. However, regular interest rate does apply when the offer period is done, so check the ongoing rate. If it’s too high, don’t be tempted.

For a very small business that you run from home, you may be able to manage with a personal credit card. However:
â A business credit card enables you to separate business transactions from personal purchases
â A small business credit card helps you build a credit record for yourself and your business
â Many business cards let you to issue cards with limits to your employees
â Business credit cards offer an easy source of credit to your venture
â Business cards help you keep track of expenses
â Many cards let you download statements onto your bookkeeping system
â You can choose low APR cards to keep your expenses down
â You can choose good rewards credit cards to earn rewards on your regular purchases
â Many cards offer travel rewards that can help you save a lot on business travel expenses
â Many business credit cards also offer 0% Fraud Liability on unauthorized usage

    RECENT ARTICLE

  • 6 non-monetary ways to be charitable
  • Potential Causes of Chronic Leg Pain
  • The best equipments for your satellite TV
  • Safety concerns you should consider while buying kids toys

YOU MAY ALSO LIKE

  • Interesting facts about the hot water heaters
    You may have old water heaters in your homes which need replacements. Over time the water heaters may fail to function properly. The warranty period probably finishes after some years. Repair and maintenance may prove more exorbitant if the failures occur frequently. in all such cases it is necessary to buy new water heaters for your homes. Buying hot water heaters should not be a random choice. You must do your homework before buying hot water heaters to get to the best model which is energy efficient and helps you save more. The prime factor that must affect your purchase is the energy efficiency. The water heating costs are about 20% of the total energy costs of your home. You must buy hot water heaters under 55 gallons which result in 4% increase in the energy efficiency. The utility bills cut down significantly depending on the technology packed. The next thing you must ask is the capacity of the hot water heaters. You must know how much gallons of water they hold. For instance, a family of four may approximately consume about 100 gallons of hot water throughout the day for different chores, therefore, they should buy a heater with a capacity that helps them accomplish their daily needs. Additionally, you must also check the first-hour rating (FHR) and the gallons per minute rating (GPM) for the hot water heaters. These factors can help you know the capacity of hot water which would be delivered by the hot water heater over a definite time period say the first hour. Depending on the usage of the hot water, the water could become less hot or get cool after using it for some time. Now the hot water heaters would take some time to reheat the water to the FHR. For this, you can ask the professionals for help to know how much capacity hot water heaters you would need. It is also essential to know the GPM (Gallon per minute rate) of the hot water heaters. The GPM is an estimate of how much hot water would be produced in a specific time interval. Ask the professionals where the new hot water heaters must be installed. The latest hot water heaters have increased insulation and efficiency improvements which imply they must be installed at larger heights than your existing hot water heaters. Ask for the warranty on the water heaters. High-quality hot water heaters have a warranty for about 10-12 years. Even though you will have to pay extra for extended warranty hot water heater models, you will reap more significant benefits in the long run. You need not pay for the repairs and maintenance of the water heaters time and again. High-grade hot water heaters speed up the water heating process and have thicker insulation which prevents the heat loss. Make sure you buy the hot water heater for long warranty period. It is advised to buy hot water heaters which have digital displays. The digital display helps you customise the operations of the hot water heaters. You can monitor the heat control and water levels. You can set the vacation mode in the electric hot water heaters which improve the efficiency when you are away. You must take adequate care and maintenance of the hot water heaters to ensure they give maximum performance in the long run. You must follow the above instructions if you want to buy hot water heaters. You can even ask the professionals for help. They will help you understand all the installation regulations, tips, and bits of advice. Get the recommendation of the professionals and invest in the best hot water heaters.
  • Popular companies offering IRA plans
    An individual retirement account (IRA) is similar to a savings account that helps you save for retirement and make the most of tax savings. IRA accounts have two types—one is a traditional account and the other one is a Roth account. It is a retirement plan provided to individuals by various financial institutions in the country. There are several plans you may choose from. It is important to consider your requirements and go for a plan that fits your needs. Some of the best companies offering IRA plans have listed below. Ally Invest Ally Invest provides one of the best structures for an IRA. It offers unlimited options for investment and has the lowest fee structure in the market. It offers managed portfolios that require a minimal investment of around $2500 and has an annual fee as low as 0.30%. It gives you an option to have your entire portfolio managed by professionals. However, you must remember to maintain the minimum balance, else you may have to pay a penalty of around $50 per annum. Betterment Betterment is a huge investment advisor. It offers a managed portfolio, and you are only required to fund your account. The professional managers will allocate the portfolio between debt and equity instruments. It does not require any initial deposit. Wealthfront Wealthfront offers one of the best IRA retirement plans in the market. It offers low-cost professional services for your IRA and is an ideal platform to grow your investment. They offer a diversified portfolio of debt and equity and also has a range of alternative investment options. An IRA account may be opened with an amount as low as $500 and the advisory fee for the account is around 0.25%. E*TRADE E*TRADE offers an ideal mix of investment options with a low pricing. The stocks and mutual funds may be traded at a low cost, and there are more than 1000 mutual funds to choose from. With more than 30 physical locations across the country, it is an ideal option. It neither has any annual fees nor does it require any minimum account balance. Choose the best IRA retirement plan based on your investment criteria and long-term financial goals. Professional management of your portfolio will allow you to maximize your wealth and generate higher returns on the same. At the same time, with a diversified portfolio, you will be able to reduce the associated risks.
  • Gout attacks and their treatment procedures
    Gout is inflammatory arthritis which is developed due to high levels of uric acid in the blood. The acid has the capability to form into needle-like crystals in a joint. These crystals cause severe pain, tenderness, swelling, and redness. It most affects the large joint of the big toe. It also affects feet, ankles, wrists, hands, knees, etc. The attacks of gout occur suddenly and mostly at nights. Gout is more common among men than women. Over 4% of the US population suffers from gout arthritis. It occurs due to various factors like genes, medications, age and gender, diet, alcohol, and sodas. The treatment procedures you need to know about: The main aim of gout treatment is to reduce the sharp pain and limit its chances of recurrence. This also aims to reduce complications like joint destruction and kidney failure. This requires medical support to treat along with some home precautions to follow. Some of the more popular gout treatment procedures are listed below! Getting adequate rest When a gout attack occurs, rest the affected joint. This helps in the pain reduction to a certain extent. Proper rest, along with the prescribed medicines, give you relief from the pain, which is the worst part of gout. This is one of the best practices to reduce the pain immediately. Using ice packs Gout attacks cause swelling and redness along with pain. To reduce this, you can use ice packs at home. Massage the affected joint with an ice pack. This helps you reduce the swelling fast and also provides relaxation. The right medication Taking the proper medication is one of the most important things a patient has to do. When the attack occurs, immediately take the painkillers prescribed by the doctor. These help by reducing the pain and helping you relax. Always follow the doctor's suggestions to avoid medicines that are rich in uric acid, as those will increase uric acid levels which worsen the condition instead of making it better. Keeping yourself hydrated Water helps your organs stay healthy and functioning at optimal levels. To reduce the frequent occurring of gout attacks, keep yourself hydrated all the time. Drink plenty of water; this helps you purify the blood and activates the body. Avoiding food rich in "Purines" Uric acid forms due to the breakdown of purines, a component of food. The increase in purines leads to the risk of the increase in the uric acid levels. It is not at all good for gout patients. Avoid food that contains purines. In general, foods like liver, dried peas, beans, and alcohol are rich in purines. Weight maintenance Being overweight, or obesity may also be a reason for gout attacks. Make sure you maintain a healthy weight. Regular exercises will help you achieve this.
  • Four mistakes to avoid when you hire pool contractors
    Constructing a swimming pool is never easy. It requires expert knowledge and technical expertise for making a swimming pool that enhances the aesthetic beauty of the space. You would not want to hire inexperienced contractors and end up with unsatisfactory results. Here are the common mistakes that people make when hiring pool contractors, it might be beneficial to keep them in mind.
    • No background checks Choosing the right contractor from the numerous pool contractors available is a task which requires time and effort. Make sure you do a thorough check on the work history and background of the contractor. Ask for references about previous work, and look for testimonials to ensure that you are hiring a reliable professional.
    • Not asking the right questions There are several factors which you should openly discuss with the pool contractor to avoid complications later. Safety precautions, extra features, legal documentations, are just a few issues that you should discuss with the professional. Do your homework to understand the standard practices, so that you can clear your doubts regarding the work that should be done.
    • Not getting the clear estimate It is never a pleasant situation when the contractor demands extra money once the work is done. You may not know the hidden charges or cost of service requirements which could end up with you receiving a huge bill at the end. Therefore, know your budget before you fix the deal with the contractor. Keep the finance ready so that you can immediately start the work once you find the right pool contractor that suits your budget.
    • Not focusing on things other than beauty You should think from multiple angles when you are getting a swimming pool constructed. You should not choose pool contractors just by viewing the beauty of the pools they have constructed or designed previously. The hydraulic design, chemical management systems, drainage systems, security features, etc. are major considerations for a functional and safe swimming pool. Make sure you hire pool contractors after analyzing their knowledge and expertise in the field.
  • Champion jackets – Making a trendy comeback
    Champion, an American sportswear manufacturer, is an offshoot of HanesBrands Inc. Consequently, Hanes jackets and Champion jackets were sportswear that have been in demand for a long time. Champion jackets became increasingly popular in the '90s. It had a huge demographic reach even taking the limited number of clothing brands available then as compared to now. The market has been flooded with dozens of sportswear manufacturers springing up, each servicing specific sectors. However, Champion jackets have recently started trending again. This does not come as a surprise, as the brand is long overdue for a revamp. This iconic logo has been appearing on most social media handles. To no one's surprise, it has made a huge comeback, popular now as it was then. From an urban clothing apparel, it has evolved into a pop culture, alongside competition such as Haggar jackets, Hatley jackets, Cubavera jackets, and IZOD jackets. Because of its versatility, Champion jackets have gone through makeovers to keep them trending in the current market. The sweatshirt, for instance, was cropped by Weekday, given a printed pattern by Supreme, and given tears and droopy sleeves by Vetements. They have done so well recently that, at this stage, the jackets do not need any further collaborations to make them trendier. It is at a point where it can say people wear it not because it is a collaborative effort but simply because it is Champion. In two years, the brand turns hundred, with an interesting history to boot, which the marketing team can convert to money. Champion jackets still stick to tradition when it comes to silhouettes and the make. If this doesn't inspire loyalty, then there are the prices, which have always been affordable. Buyers feel like they buy both history and fashion with a jacket. In an era where designers cater to the current tastes and then move on to the next big thing, Champion jackets have stayed put in their style, giving them an aura of consistency and reliability. They had been named the kings of fleece, with good reason, and they hope to maintain it that way. Champion jackets have made a trendy comeback into the fashion industry. You can choose from a number of options online or in brick or mortar stores.
  • Essential things to know about chronic fatigue syndrome
    Doctors and the medical industry have been trying to find definite extreme causes. There are over 2.5 million Americans who have this disorder. Everyone get fatigue when they over exert or work long hours and due to stress their body becomes tired and that leads to fatigue. Fatigue usually goes away with some rest and proper food intake. When fatigue is prolonged and stays for longer time (many months together) it becomes a case of extreme fatigue or chronic fatigue syndrome. The causes of extreme fatigue are generally unknown. There are multiple things that lead to this condition such as: A weak immune system Stress viruses hormonal imbalance Normally, fatigue is what happens when someone is going through a sickness or illness. It is usually a part of symptoms an illness or sickness has. But when it isn't a normal fatigue and there are no signs of any other illnesses, it can be a case of extreme fatigue or chronic fatigue syndrome. The causes of extreme fatigue can affect the body when they occur because of unhealthy lifestyle. Immune system becomes weak because of these factors below: Stress Over training (athletic) Environmental exposure Occupational chemical exposure UV radiation and other harmful radiation Drug therapies (some) Blood transfusion and surgeries Other things that impact the immune system are linked to your diet. The cells that make your body are renewed from the food that you eat. Eating processed food, excessive fat, alcohol, refined sugar contributes to the weakening of immune system. Though the causes of extreme fatigue are unknown, the risk factors can be treated as causes. When the diagnosis is done right, the treatment can be started to cure the syndrome. Just like causes, there is no one definite treatment to cure this condition. The treatments work over a period and one must be consistent in those treatments. Here are the things that you can do to treat chronic fatigue syndrome: Graded Exercise Therapy: this therapy includes swimming, walking etc., The activities are dependent on your physical capabilities. Physical activities make you stronger from inside and that helps your immune system to become stronger. Medication: there are some medications that can be taken when you face headaches and intense joint or muscle pain. Medicines don't cure extreme fatigue but they help you through it. Other medicines like antidepressants are also given to treat some of extreme fatigue causes. Lifestyle changes: An unhealthy lifestyle affects the body over a period of time. Prolonged and chronic conditions occur because of unhealthy lifestyle and hence it is essential to get back on the healthy track where the patient eats right food and avoids things like: All unhealthy food items Smoking Alcohol Drugs Wrong sleeping pattern And other related activities that don't contribute to good health Add healthy activities like yoga and meditation to your daily routine as they help you reduce stress and make you healthy from inside out.