Business Cards

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

Earn 30,000 bonus miles toward Award Travel – when you spend $500 on the Card in the first three months from account opening
Check your first bag free–for up to 8 people on your reservation–on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In–Flight Savings
$0 intro annual fee for the first year, then $95
No annual fee for Additional Cards
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

Earn 30,000 bonus miles toward Award Travel

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
See Website	See Website	15.24% - 19.24%* Variable	No	Good*

*See Card Terms and Conditions

Capital One(R) SparkSM Classic for Business

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Enjoy no annual fee
Build business credit with eligibility for an automatic credit line increase
Earn 1% cash back on every purchase, every day
Separate business expenses from personal expenses
$0 Fraud Liability if your card is ever lost or stolen
Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
0% on purchases	N/A	22.99% (V)	Yes	Average

SimplyCash® Business Card from American Express OPEN

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Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
No annual membership fee

No limit to the amount of cash back you can earn

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
0% on Purchases	for up to 12 months	12.24% - 19.24%* Variable	No	Good*

*See Card Terms and Conditions

Capital One(R) SparkSM Cash for Business

Capital One(R) Business No Hassle Cash PremierSM

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Earn 2% cash back on every purchase, every day
Get a $100 cash bonus—just spend $1,000 within the first 3 months
Receive a $50 cash bonus by signing up for one or more employee cards
Enjoy award-winning small business customer service
$0 intro annual fee for the first year; $59 after that
Redeem cash rewards anytime, for any amount, even set up automatic redemption
Earn unlimited cash rewards that don’t expire

Capital One(R) Business No Hassle Cash PremierSM

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
N/A	N/A	13.9% (V)	No	Excellent

Starwood Preferred Guest(R) Business Credit Card from American Express OPEN

Starwood Preferred Guest® Business Credit Card fro

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Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
$0 introductory annual fee for the first year, then $65

Receive 10,000 Starpoints after your first purchase

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
None	None	15.24 - 19.24%* Variable	No	Good*

*See Website Terms and Conditions

The Plum Card® from American Express OPEN

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The Everything, Everywhere Trade Terms Card (SM) from American Express OPEN
Pay in full within ten days, get a 1.5% discount
OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
$0 introductory annual fee for the first year, then $185
A powerful cash flow management tool

$0 introductory annual fee for the first year, then $185

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
N/A	N/A	See Website	No	Good*

*See Card Terms and Conditions

The Business Platinum Card® from American Express OPEN

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Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
Complimentary airport club access, including American Airlines Admirals Club® lounges
Concierge service to assist with your business needs from gift giving to dinner reservations
Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club®, Avis Preferred®, and Emerald club from National® Car Rental
The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
Enrollment in the Membership Rewards First® program
No pre-set spending limit*

Apply now for The Business Platinum Card® from American Express OPEN.

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
N/A	N/A	N/A	No	Good*

*See Card Terms and Conditions

Applied Bank® Visa® Business Card

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Credit Limits available to $750
Sole Proprietors and Entrepreneurs Welcome - No Business Too Small!
Perfect for Your Everyday Business Needs
Great for Self-Employed Business Owners
Your Business Name on YOUR Business Card

Intro Rate	Intro Period	Regular APR	Balance Transfer	Credit Needed
NA	NA	23.99%	No	Fair/Poor

PEX Visa(R) Prepaid Business Card

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Instantly fund employee purchases
Gain 24/7 control over where and how much employees spend
Save money - no surprise interest charges or overdraft fees

The PEX Visa(R) Prepaid Business Card offers a better way for employees to make company purchases — while employers stay in control of employee spending.

Intro Rate	Intro Period	Regular	Balance Transfer	Credit Needed
NA*	NA*	NA*	NA*	Any Credit OK*

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Credit Basics

What are the three Credit Bureaus and how do they affect my credit?

In the United States, Equifax, Experian, and Trans Union are the three major credit bureaus that provide nationwide coverage of consumer credit information. Many national lenders report consumer credit information to all three. However, smaller banks, most credit unions and other credit grantors may report to only one, or none. Therefore, the information you receive from one credit bureau may not be the same as what you would receive from another credit bureau.