Best of Small business
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Monthly Fee: 1.00% With $10,000 min. balance for APY
APY: N/A
Min. Opening Deposit: $100
PROS:
- Unlimited 1% cash back on qualified debit card purchases.
- Earn up to 1% APY. Terms apply.
- No monthly fees or overdraft charges.
- Free, built-in bookkeeping software.
CONS:
- Can’t deposit cash.
- $100 minimum opening deposit.
- High balance requirement to hit top-tier APY.
ANNUAL FEE: 0
REWARDS RATE:1%-5% cashback
INTRO OFFER: $750
RECOMMENDED CREDIT SCORE:690-850
More details +
PROS:
- You get 5% cash back on up to $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined spending per account year at gas stations and restaurants; and 1% on everything else. There's a great sign-up bonus, a 0% intro APR period and a $0 annual fee.
CONS:
- The bonus categories might not be a good match for your spending — and the limit on spending eligible for 5% or 2% rewards might be too low for some businesse
ANNUAL FEE: $95
REWARDS RATE: 1x-3x Points
INTRO OFFER: 100000 Points
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- If your business's budget includes enough expenses to earn it, the sign-up bonus is worth $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.
CONS:
- This card's bonus categories aren't a good fit for all business owners. There's an annual fee of $95. After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.
ANNUAL FEE: 0
REWARDS RATE:1.5% cashback
INTRO OFFER: $750
RECOMMENDED CREDIT SCORE:690-850
More details +
REWARDS RATE:1.5% cashback
INTRO OFFER: $750
RECOMMENDED CREDIT SCORE:690-850
PROS:
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
CONS:
- No bonus categories
PROS:
- Simple application process with minimal documentation required.
- Financing up to $250,000 available within a few days.
- Accepts borrowers with a minimum credit score of 640.
- Monthly repayment schedule (as opposed to daily or weekly).
- No prepayment penalties, account maintenance fees or draw fees.
CONS:
- Must have online checking or PayPal account to verify cash flow.
- Personal guarantee required.
- Complex monthly fee structure.
- Can’t be used to build business credit.
Monthly Fee: $10.00 Waived with $500 minimum balance
APY: $100% With $0 min. balance for APY
Min. Opening Deposit: $100
PROS:
- Unlimited fee-free transactions; no overdraft fees.
- Earn 1.00% APY on balances up to $100,000 and 0.10% on all balances after that.
- Fee-free ATM access with automatic refund of third-party ATM fees (worldwide).
- Cash deposits via MoneyPass and SUM ATMs
- Earn unlimited 1% cash back on debit card purchases.
CONS:
- $10 monthly fee.
- $100 minimum opening deposit requirement.
- Minimum $500 balance required to earn cash-back rewards and waive monthly fee.
ANNUAL FEE: $125
REWARDS RATE: 2x-6x Points
INTRO OFFER:10000 Points
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- You earn 6 points per dollar at hotels participating in the Marriott Bonvoy program; 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping; and 2 points per dollar on all other eligible purchases. Marriott's broad portfolio of hotel brands gives you maximum flexibility in earning and redeeming rewards.
CONS:
- The $125 annual fee is a bit on the high side. You'll have to use the perks to get proper value out of the card.
PROS:
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions; no overdraft or incidental fees.
- Up to $12 in monthly refunds for ATM fees charged by other banks worldwide.
- Cash deposits via MoneyPass ATMs.
CONS:
- High fee ($45) for international wire transfers.
- No weekend or after-hours customer support.
- No third-party app integrations.
PROS:
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions.
- Refunds on all ATM fees worldwide.
- Integrates with top business tools, including QuickBooks, Xero, Stripe and Shopify.
CONS:
- Can’t deposit cash.
- Can’t send domestic or international wires.
- No recurring payments available with bill pay.
- $27 fees for insufficient funds/uncollected funds returned.
MAX LOAN AMOUNT $250,000
MIN. CREDIT SCOR E625
EST. APR 29.90-97.30
PROS:
- Cash can be available within the same business day.
- Accepts borrowers with a minimum credit score of 625.
- Streamlined application process with minimal documentation required.
- Can be used to build business credit.
CONS:
- Not available in Nevada, North Dakota or South Dakota.
- Requires frequent (daily or weekly) repayments.
- Interest rates can be high compared to traditional lenders.
- Requires business lien and personal guarantee.
MAX LOAN AMOUNT $100,000
MIN. CREDIT SCORE 720
EST. APR 13.74-15.74
PROS:
- Bank line of credit with competitive interest rates.
- Can fund as quickly as the same business day.
- Monthly repayments with no set term.
CONS:
- Requires high minimum credit score and multiple years in business.
- Requires personal guarantee.
- Businesses in certain states and industries are ineligible.
ANNUAL FEE: $0
REWARDS RATE: 1.5% Cashback
INTRO OFFER: $0
RECOMMENDED CREDIT SCORE: 300-850
PROS:
- No annual fee or foreign transaction fees.
- Simple, straightforward rewards.
- No personal guarantee or credit check.
- Direct integrations with popular tools and card-level spending controls and alerts.
CONS:
- Balance must be paid in full each month.
- Not available to sole proprietors or unincorporated businesses.