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Excellent! Get the Best Balance Transfer Business Credit Cards in a Recession

Get the Most Awesome, Best Balance Transfer Business Credit Cards in a Recession Today!

You can get the best balance transfer business credit cards in a recession! We can show you how!

Per the SBA, corporate credit card limits are 10 – 100 times that of personal cards! This shows you can get a lot more cash with small business credit.

And this also means you can have personal credit cards at retail stores, and now have an additional card at the same stores for your business. And you won’t have to provide collateral, cash flow, or financials to get business credit.

Best Balance Transfer Business Credit Cards in a Recession: Card Advantages

Features vary, so make certain to select the perk you prefer from this range of choices.

The Best Balance Transfer Business Credit Cards in a Recession – You Can Get Luxurious Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Take a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which then rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is terrific for travel if your costs don’t come under basic bonus categories. You can get unlimited double miles on all purchases, with no limits. Get 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a great to outstanding FICO rating to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.

Pay an annual fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the initial 3 months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.

Get 3 points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. You will need a good to superb FICO score to qualify.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred

No Annual Fee

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no annual fee while still getting travel rewards, have a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the initial nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.

You can earn 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Get unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is no matter how much you spend.

Also get 3 points per every dollar spent when you reserve your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can earn and points do not expire.

You will need excellent credit to get this one (as in, 700s or better).

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Take a look at the Marriott Bonvoy Business™ Card from American Express. It has an annual fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need great to superb credit to get this card.

Points

You can get 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the initial 3 months. Get 6x the points for qualified purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and gasoline stations. And you can get 4x the points on wireless telephone services bought straight from US service providers and on US purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Also, you get a free night each year after your card anniversary. And you can earn an additional free night after you spend $60,000 on your card in a calendar year.

You get free Marriott Bonvoy Silver Elite status with your Card. Also, spend $35,000 on eligible purchases in a calendar year and get an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.

Plus, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Business Credit Cards for Fair Credit, Not Needing a Personal Guarantee

Brex Card for Startups

Check out the Brex Card for Startups. It has no annual fee.

You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.

Nevertheless, they do not accept every industry.

Likewise, there are some industries they will not work with, and others where they want added documentation. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a corporation’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on Brex Travel. Also, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have poor credit (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Terrific Cards for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Check out the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the first year. After that, this card costs $95 per year. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem any time without minimums.

You will need good to outstanding credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Annual Fee

Discover it® Business Card

Take a look at the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for year. Then the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimal spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to outstanding credit scores to qualify for this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% introductory APR for the first year. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the initial 3 months from account opening.

You can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.

Get 2% cash back on the initial $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no limitation to the amount you can get.

You will need excellent credit scores to qualify for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Check out the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.Best Balance Transfer Business Credit Cards in a Recession Credit Suite

Get 3% cash back in the category of your choice. So these are gasoline stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need outstanding credit scores to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Credit Cards with 0% Introductory APR

Blue Business® Plus Credit Card from American Express

Check out the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on everyday company purchases like office supplies or client dinners for the first $50,000 spent each year. Get 1 point per dollar afterwards.

So you will need good to outstanding credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also take a look at the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash as opposed to points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. Then get 1%.

It has no annual fee. There is a 0% introductory APR for the initial twelve months. Afterwards, the APR is a variable 14.74 – 20.74%.

So you will need great to superb credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Cards for Rewards

Capital One® Spark® Cash Select for Business

Check out the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. And earn a one-time $200 cash bonus once you spend $3,000 on purchases in the initial three months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.

So you will need great to excellent credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Exceptional Business Credit Cards with No Yearly Fee

No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Have a look at the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the first one year. After that, the APR is a variable 14.74 – 20.74%.

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your corporation. And get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. So you will need exceptional credit scores to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Your Best Balance Transfer Business Credit Cards in a Recession

Your absolute best balance transfer business credit cards in a recession will be based on your credit history and scores. Just you can decide which benefits you want and need, so be sure to do your homework. And, as always, make sure to build credit in the recommended order for the best, fastest benefits.

The economy will change again – and your prospects for getting cards will be even better.

The post Excellent! Get the Best Balance Transfer Business Credit Cards in a Recession appeared first on Credit Suite.

4 Differences Between Creative and Marketing Agencies

Do you need a creative agency or a marketing agency?

Look at the most successful companies today, and you’ll see the magic of both agency types at play. 

Take Apple for example. 

Apple’s marketing believes that design and utility are just two of the reasons behind Apple’s success and certainly give it a competitive advantage.”

But drill down to Apple and its individual products’ success in the market spaces they compete in, and you’ll see that design alone doesn’t do the magic. 

Marketing is just as important.

Apple drives growth with a marketing mix that does an excellent job to create raving fans even before product launches. And the overall sales it commands from its products is a direct result of the company’s marketing strategies. 

In other words, to drive and sustain its growth, Apple uses creative agencies. But before their product launches, they leverage the expertise of marketing agencies.

This is the difference between a creative agency and a marketing agency.

What is a creative agency?

According to Column Five Media: 

“A creative agency is a term for an agency that offers a variety of services that fall under the umbrella of marketing and advertising. Basically, if you need any type of creative strategy, work, or promotion, they can help you get it done.”

Column Five Media is a creative agency that has worked with Intuit, eBay, Google, Facebook, and dozens of other global brands. 

Take a second to look at the definition of a creative agency by Column Five Media, a creative agency, and what does it reveal to you? 

It clearly shows that even a wildly-experienced creative agency admits that its services, or any creative agency’s services, fall under the umbrella of marketing and advertising.  

This definition should tell you something:

A creative agency helps to illuminate the advertising and marketing strategy execution of a company through appealing designs and other forms of creative work. 

What is a Marketing Agency? 

Like Column Five Media, my agency, Neil Patel Digital, has also worked with global brands such as Google, eBay, Intuit, Facebook, and dozens of others: 

Here’s how I define a marketing agency:

“A marketing agency is a business that researches, strategizes, brands, and promotes a company’s products or services. Ultimately, marketing agencies partner with a company to develop, manage, and execute its marketing strategy to achieve defined business goals.”

As you saw in Apple’s example, design and utility (mostly brought to live by creative agencies) play an essential role in making products more appealing to users. 

But the identification of those users, understanding what design choices will appeal to them, the messaging that’ll resonate with them, how, where, and when to reach them for the most impact comes first. 

That’s why I say that marketing (mostly achieved with a marketing agency) is what engineers and sustains a company’s growth. 

Hence, while creative agencies help to illuminate marketing ideas, marketing agencies strategize, create, and deliver the right content to the right people: 

With their defining distinctions established, what are the various other differences between a creative agency and a marketing agency? 

4 Differences between a Creative agency and marketing agency

As I said at the beginning of this article, the difference between these agency types boil down to very fine details. 

Yet the need to know them is paramount, as it helps you to avoid judging a fish by its ability to climb a tree. 

To guide you, I’ll distinguish both by pairing the related services these agency types can help you with when looking to grow your business. 

Difference #1: Market research vs user research

Market research is a core business function. 

Through market research, you can validate a business opportunity, examine the economic forces at play by investigating key industry trends and the competition, and get an idea of your potential market size. 

But the main goal of market research isn’t to give you a solid foundation of the above alone. 

Most importantly, it is to relate the findings from the research to your business case, ensuring that you get a firm grasp of how and where to position your company for growth. 

By using market research to determine “how” to position your business, an agency identifies measures to differentiate your brand from competitors. It also allows them to identify “where” that positioning should happen – something that comes from knowing your prospective customers’ demographics. 

Marketing agencies excel more doing this type of high-level market research. 

Not only are they the ones who usually have market analysts working in-house, they’re also the ones who go on to develop tools that enable this kind of market research. 

For example, the need to conduct SEO research and help people understand their market and competition better is part of what led me to develop Ubersuggest

However, although some marketing agencies have in-house user researchers, creative agencies shine the most in the area of user research.  

Market research helps to determine the how and where of your brand. 

But to know why people would care, you must appeal to their interests and address their pain points the moment they spot your brand collaterals, most times without saying a single word.  

Achieving this feat boils down to creating user-focused visuals and design assets that appeal to people’s interests or address their pain points, otherwise called psychographics

User-focused design is the core of creative agencies. 

To excel at doing this, they always conduct user research to determine the psychographics of prospective customers, even after market research has identified their demographics. 

This explains why you’ll find UX researchers and UI/UX designers leading the lines for creative agencies. 

Difference #2: Long-term branding vs specific targeting

Have you noticed something about most global brands? 

They hardly change their core branding

Yes, they may evolve into trendy visuals as most often do, but the brand fundamentals rarely change entirely. 

Take Google, for example.

The company’s visual identity and logo has evolved tremendously from 1997 to 2015, but its fundamental brand colors, red, blue, yellow, and green remains:  

The reason for this is that branding, usually executed by creative agencies, takes a long-term approach. It involves creating design assets and visuals to depict what your company represents and to articulate your corporate identity even in the years to come. 

But as you see with Google, as time goes by and new market opportunities emerge (mostly identified through market research and by marketing agencies), the need to evolve that identity may arise as you realize the need to appeal to specific audiences. 

And this was the case with Google.

According to a report by The Verge, redesigning their logo to look good on small screens had a profound impact on why Google evolved its visual identity design in 2015. 

In other words, Google, through continuous market research saw the need to appeal to the growing number of people using smartphones to access the internet. 

Google’s example depicts an important difference between creative and marketing agencies. 

Use creative agencies when you need to design and evolve your brand and corporate identity to reflect what your brand represents in the long-term and in changing times. 

But creative agencies focus more on designs, and don’t get into the weeds of studying changing market trends on specific channels. 

And that’s where marketing agencies differ. 

Marketing agencies’ work revolve around seeking new avenues to market your business’ offering, reach specific audiences, and drive growth. Logically, this a necessary first step before embarking on design or involving a creative agency. 

Difference #3: Go-to-market strategy development vs creative direction

Marketing agencies and creative agencies also differ in the area of go-to-market strategy development and leading the creative direction of the strategy execution on various channels. 

That’s another way to say that marketing agencies can help you to identify what channels to market your product or service. They can also help you to plan and decide what content types will drive the most impact. 

But most lack design expertise even when they have in-house designers. 

Creative agencies, therefore, are a better option if you know what channels and content types to create, especially when there’s a need for expert design of the final deliverable of such content. 

For example, a marketing agency may find that your brand will drive more engagement and growth on social media. But they may lack the creativity required to produce appealing content for the social media channels your company uses to appeal to your target audiences on those platforms. 

Creative agencies differ in this area. 

They are the ones to turn to when you need expert design execution specific to a go-to-market strategy typically developed by a marketing agency. 

Difference #4: Analytics vs creativity

There was a myth (although debunked in 2013), which postulated that we have two brains: The methodical or analytical side on the left and the creative side on the right. 

Let’s pretend for a moment that there was some truth in that myth. 

Why?

Because I consider it a good way to differentiate a marketing agency from a creative agency. 

In that case, you can see marketing agencies as the left-brain analytical side because they crunch a lot of numbers in search of logical insights to justify things like marketing spend, marketing ROI, and many others. 

On the other hand, creative agencies deal with the irrational aspects of a business by applying creative thinking and emotionally-driven design development to appeal to intangible human emotions not necessarily measured by numbers. 

Although in business, everything, including efforts by both a marketing or creative agency, eventually gets measured in the long run to justify their investments. 

However, let’s say you want to identify insights into how your advertising campaigns are performing or will perform in the future relative to your business goals. 

Or, you need data insights such as traffic sources, channels driving the most impact for your business, what your sales funnel metrics is saying, marketing agencies are the ones to turn to because these tasks require analytical data crunching. 

If the data crunching by marketing agencies reveals the need to improve your design or recreate them entirely to get them to become more appealing to specific audiences or channels, creative agencies shine better for doing this. 

Creative agency vs marketing agency: Which one should you choose? 

It depends. 

The truth is that both agency types bring excellent levels of creativity to whatever they do. 

Hence, staying with the myth about the left-side analytical brain and right-side creative brain, you can’t do away with one side and expect the brain to perform at full capacity. 

You need both to drive your business forward. 

So instead of asking which one you should choose (because you’ll need one of the two at some point), the question should be when should I choose a marketing or creative agency? 

When you want to develop or improve your branding or brand identity, go to a creative agency. Also, when you want to create or improve design assets to support your marketing campaigns or make your content more appealing, creative agencies can help in these areas. 

However, before you seek creative design help, it’s essential to conduct market research, develop a go-to-market strategy to guide everything they design, and set up an air-tight analytics ecosystem to measure everything every step of the way. 

If this is what you need right now, my ad agency, Neil Patel Digital, shines in this area.

The post 4 Differences Between Creative and Marketing Agencies appeared first on Neil Patel.

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