Applying for Business Credit Cards [Consolidated]
#331
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
So whether it's a second business has no bearing on it if using an SSN. On most card offers, only the time since the last bonus was earned matters.
It's better to ask Chase-specific questions in the Chase forum. Start with the Wikipost in this thread:
#332
Join Date: May 2012
Posts: 728
Data point - I manage a partnership with 8 figures invested into a large real estate development project that will not show a profit for probably another 2 years after entitlement work is completed. Even though we own the property free and clear and my fico is 800+ I was just denied by chase for an ink card because I admitted that we were currently not turning a profit as we were still investing to complete entitlements before we proceeded to market the property.
I have an ink for a different consulting business that I have had for 4 years. No banking relationship with Chase. 11 other cards opened in last 12 months with 3 of them chase cobranded cards
Is it worth trying the reconsideration line?
I have an ink for a different consulting business that I have had for 4 years. No banking relationship with Chase. 11 other cards opened in last 12 months with 3 of them chase cobranded cards
Is it worth trying the reconsideration line?
#334
Join Date: Feb 2015
Posts: 57
Best card for random business spend?
Already a CSP/Freedom user, I was thinking to get the Ink Plus, but on second thought my business spend doesn't really fit it - most benefit would only come from buying gift cards from office supply stores (i.e. screwing around with non business spend). My internet and phone fees aren't high.
My biggest spend categories for business are air tickets and software. Business dining, and random expenses make up the rest.
I have Amex SPG. Seems to be highest valued points and I'm thinking just stick with it, and push air tickets onto Prestige for the 3x bonus as it's worth dealing with the extra accounting hassle for that big a bonus on a couple transactions.
Should I be looking at any different cards or strategies for business spending? SPG beats out the 2% cards, and I don't really see citi business cards to parlay with prestige.
My biggest spend categories for business are air tickets and software. Business dining, and random expenses make up the rest.
I have Amex SPG. Seems to be highest valued points and I'm thinking just stick with it, and push air tickets onto Prestige for the 3x bonus as it's worth dealing with the extra accounting hassle for that big a bonus on a couple transactions.
Should I be looking at any different cards or strategies for business spending? SPG beats out the 2% cards, and I don't really see citi business cards to parlay with prestige.
#335
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
American Express Business Gold Rewards includes both airline tickets and some software purchases as bonus categories.
See post #4 of this thread for an overview:
http://www.flyertalk.com/forum/26090580-post4.html
The eligible software vendors are listed here:
https://www.americanexpress.com/us/c.../business.html
See post #4 of this thread for an overview:
http://www.flyertalk.com/forum/26090580-post4.html
The eligible software vendors are listed here:
https://www.americanexpress.com/us/c.../business.html
You will receive additional rewards ONLY when you purchase directly from a U.S. location of a company on this list of select computer hardware, software, and cloud computing providers that accept the Card
• Apple
• CDW
• Dell
• HP
• IBM
• Intuit
• Lenovo
• Microsoft
• Newegg
• Oracle
• Rackspace
• Sage Software
• Salesforce.com
• Symantec
• Tiger Direct
You will NOT receive additional rewards if the purchase is made through a third-party (including resellers and online marketplaces) or through a third-party payment account
• Apple
• CDW
• Dell
• HP
• IBM
• Intuit
• Lenovo
• Microsoft
• Newegg
• Oracle
• Rackspace
• Sage Software
• Salesforce.com
• Symantec
• Tiger Direct
You will NOT receive additional rewards if the purchase is made through a third-party (including resellers and online marketplaces) or through a third-party payment account
#337
Join Date: Feb 2016
Posts: 3
Business Credit Card advice
Hi new member here needing some advice on which credit cards to use. My company has about $200K in monthly expenses that I can apply to a credit card.
I current have the business versions of SPG and Chase Ink Plus but was wondering if at my level of spend would it be better to spread the charges across even more cards.
I was thinking of getting the southwest card for starters and possibly the Amex Platinum.
I current have the business versions of SPG and Chase Ink Plus but was wondering if at my level of spend would it be better to spread the charges across even more cards.
I was thinking of getting the southwest card for starters and possibly the Amex Platinum.
#338
Join Date: Jul 2015
Location: Chicago, IL
Posts: 69
Business Credit Card advice
With that level of spend you could afford to spread it out. I would add the United card for 2x gas and 10,000 point bonus for $25,000 annual spend. Also the AMEX cards to stock up on Membership Rewards. Both Chase Ultimate Rewards and AMEX Membership Rewards transfer to Singapore and British Airways. Depends on your goals, but you might want to add hotel cards as well, other than just SPG. Marriott might be a good option, since they'll ultimately merge the program.
#341
Join Date: Apr 2011
Location: SMF
Programs: Hilton Diamond-Marriott Platinum-life
Posts: 1,015
Hi new member here needing some advice on which credit cards to use. My company has about $200K in monthly expenses that I can apply to a credit card.
I current have the business versions of SPG and Chase Ink Plus but was wondering if at my level of spend would it be better to spread the charges across even more cards.
I was thinking of getting the southwest card for starters and possibly the Amex Platinum.
I current have the business versions of SPG and Chase Ink Plus but was wondering if at my level of spend would it be better to spread the charges across even more cards.
I was thinking of getting the southwest card for starters and possibly the Amex Platinum.
Oh, and welcome to Flyer talk
#342
Join Date: Feb 2016
Posts: 3
Can you clarify what you mean here. Like what are the different options?
#344
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
By using different accounts for different expense categories, your accountant's job will be easier (as your statements will pretty much speak for themselves).
You can apply anything as you want to.
With $200K/month spending, opening bonus will not be an issue.
And since you will not earn bonus since they are most non-bonus categories, you can use your cards as you see fit.
But again - try to "specialize" the cards for accounting purposes.
#345
Join Date: Dec 2001
Location: Coconut Creek, FL
Programs: AA Lifetime Platinum-2 MM Starwood Plat,Delta DM
Posts: 975
With todays technology to download statements, transactions into Quickbooks etc that should be no problem to split things.