Best of Small business
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PROS:
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions; no overdraft fees.
- No foreign transaction fees when you use your Relay Mastercard abroad.
- Supports multiple accounts; employee debit cards with transaction and withdrawal limits.
CONS:
- Can't deposit cash or order checks.
- Limited phone support. Email support available seven days a week.
- Deposited checks are held for up to 6-7 business days.
MAX LOAN AMOUNT $5,000,000
MIN. CREDIT SCORE 650
EST. APR 8.50-11.00
PROS:
- Available as a term loan or line of credit.
- Interest rates are capped.
- Long repayment terms available.
CONS:
- Personal guarantee is required.
- Collateral is typically required.
- Longer processing times than online lenders.
PROS:
- No prepayment penalty.
- Terms range from 12 to 60 months.
- Bank loan with online application process.
CONS:
- Requires high minimum credit score.
- Origination fee and documentation fee charged on all loans.
- Requires business lien and personal guarantee.
ANNUAL FEE: 0
REWARDS RATE: 1-2x Points
INTRO OFFER: 15000 Points
RECOMMENDED CREDIT SCORE: 690-850
$0.00
PROS:
- You'll get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.24%-24.24% Variable APR. For rewards, the card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.)
CONS:
- The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See the American Express Blue Business Cash™ Card.
ANNUAL FEE: $695
REWARDS RATE: 1x-5x Points
INTRO OFFER: 120000 Points
RECOMMENDED CREDIT SCORE: 690-850
PROS:
- No, this card is not cheap, but it comes with an extensive portfolio of benefits that make it well worth the investment for entrepreneurs who are always on the road: 5X points on flights and prepaid hotels on amextravel.com, access to more than 1,400 airport lounges across 140 countries, an up to $200 annual credit for incidental airline fees, plus reimbursement for the application fee for TSA Precheck or Global Entry, and automatic elite status with Marriott and Hilton hotels. That’s not even mentioning the sizable bonus offer for new cardholders. Terms Apply.
CONS:
- The $695 annual fee is very steep. Keep in mind, though, that the fee is a deductible business expense.
ANNUAL FEE: $95
REWARDS RATE: 3x-12x Points
INTRO OFFER: 130000 Points
RECOMMENDED CREDIT SCORE: 690-850
PROS:
- High rewards rate
- Automatic elite status
- Luxury perks
CONS:
- Has annual fee
- No free anniversary night
MAX LOAN AMOUNT $250,000
MIN. CREDIT SCORE 600
EST. APR 5.99-25.00
PROS:
- Can fund within one to two business days.
- No prepayment penalty.
- Flexible repayment options: monthly, quarterly, annually or semi-annually.
CONS:
- Typically requires a personal guarantee and UCC lien.
- Requires high minimum annual revenue.
ANNUAL FEE: $0
REWARDS RATE: 1%-3% Cashback
INTRO OFFER:$500
RECOMMENDED CREDIT SCORE: 690-850
PROS:
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
CONS:
- Requires good/excellent credit
- Low rate outside bonus categories
ANNUAL FEE: $99
REWARDS RATE: 1x-2x Points
INTRO OFFER: 150000 Points
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- Free checked bag
- Lounge membership
- Anniversary perk
CONS:
- Has annual fee
- Rewards have limited flexibility