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The Definitive Guide to Local SEO

Local SEO is important.

In fact, 46% of all searches on Google are local.

That means if you’re a local business and you don’t have your local SEO in order, you’re missing an opportunity every time someone searches for your products or services online.

And there’s a lot of people searching.

About 89% of people search for a local business on their smartphone at least once a week, with 58% searching daily.

local seo stats

And from that search, 72% will visit a store within five miles.

These searchers are unlikely to find you if your local SEO is poor.

What, Exactly, Is Local SEO?

Local SEO is the practice of increasing the online visibility of local businesses. It’s similar organic SEO, but with an added geographical component.

Specifically, you’re aiming to rank high in the search engine result pages (SERPs) for local searches.

There’s no point in a New York restaurant ranking high in Houston’s local search results. They want people searching for restaurants in New York to find them.

So it’s imperative to improve your local SEO if you want to increase your organic local traffic.

According to Moz’s 2018 local search ranking factors, Google My Business Signals, including proximity, are a top ranking factor.

local seo ranking factors

These are the signals that help local businesses rank in Google’s three-pack.

But what’s the “pack?”

The Google three-pack is the collection of the top three results for your local search.

This used to be a 7-pack, but it was truncated to be a better fit for mobile searches.

local SEO example

That’s where you want your business to sit.

So how do you get it there?

Here’s some local SEO tips that will get your business noticed.

1. Optimize Your Website for Local SEO

If your website isn’t properly optimized, it will be hard for you to climb the SERPs.

Check your website’s SEO now to see how it could be improved.

For local SEO, in addition to standard SEO best practices, you need to do the following:

Create a Dedicated Contact Page

These days, people want more detailed information about your business.

On your contact page, make sure you clearly show your “NAP:”

  • Name
  • Address
  • Phone

I would also recommend that you display your email, like Seattle’s Velo Bike Shop has done on their site:

local seo example of NAP

Include All of Your Business Addresses

If you have 10 or fewer locations, include the complete name, address, and phone number of each in the sitewide footer element on your website.

Make Phone Numbers Clickable on Mobile Devices

Some 30% of mobile searches are location-related.

So it’s vital that your site is optimized for mobile devices.

Also, 76% of local searches result in a phone call.

So make sure your phone number is clickable.

If someone finds your website on their mobile device and wants to call you, they might be annoyed to find they have to switch between apps to type in the number manually.

Here, Barrio Restaurant has ensured their phone number is clickable when viewed on mobile devices.

local seo guide example of clickable phone number

When the user clicks the phone number, their phone will prompt them if they’d like to call the number.

local seo guide make phone number clickable example

Google has a post that walks you through how to make a phone number clickable on your website.

Add a Map or Your Locations

The whole point of local SEO is to make it easier for people to find you, right?

So it would be silly not to add a map, especially when 86% of people look up the location of a business on Google Maps.

In this example, Starbucks gets it right, including an interactive map of all their locations.

local seo guide example of location map

Add Testimonials

Google considers testimonials a trust signal, and it helps people feel confident that you are a real business.

And that’s why Local SEO Guide has a whole page dedicated to these types of reviews.

local seo example of testimonials

Collect and prominently display testimonials from local customers on your website for an added local SEO boost.

Add Schema

Schema.org was invented to create a common language between major search engines Google, Bing, and Yahoo.

It makes it easier for search engines to understand what your website is about.

By adding the appropriate Schema markup for local businesses to your website, you’re telling Google you’re a local business and not some big brand.

In turn, this can help to boost your local rankings.

To make this process easier, Hall Analysis has created a tool to help you create your Schema markup.

Just fill in your information, then copy the code on the right-hand side of the page.

local seo guide example of schema

Next, paste the code in the <head> section of your HTML document or website builder.

After you’ve added your Schema markup, you’ll want to test it with Google’s structured data testing tool.

This tool should pull out your information, and show it on the right-hand side:

local SEO google structured data testing tool

Once you’ve optimized your website for local SEO, you should be in a better position to improve your rankings and increase local organic traffic.

2. Claim Your Online Profiles Especially Google My Business

Your website isn’t the only place you need to be online.

You need to make sure your business is properly listed on the main review platforms, like Google My Business, TripAdvisor, Yelp, and Facebook.

And don’t forget any popular local-review sites.

Why?

Because when it comes to local searches, Google’s 3-pack is often followed by these review sites:

local SEO google my business

Google My Business

Filling out your profile on Google My Business is a good place to start.

This profile allows you to manage your presence on Google’s search engine.

local SEO google my business

By filling out your profile completely and collecting reviews (which we’ll talk about in a minute), you’ll improve your ranking.

Google Maps will also show searchers a detailed profile of your business, like Seattle Coffee Works.

local seo google my business

This is huge. So huge I wrote an entire post on how to optimize your Google My Business page.

Especially when you remember that 86% of people look up the location of a business on Google Maps.

Any Local Listings

You’ll often see the occasional local review site among the heavy hitters, like TripAdvisor and Yelp.

local SEO claim local listings

You can find the sites that are relevant to your business and location by searching keywords like:

  • [target location] reviews
  • [industry/niche] [target location] reviews

Claim Other Social Profiles to Improve Local SEO

You’ll also want to set up profiles on the social media channels relevant to your target demographic.

Be sure to follow social media best practices.

When setting up your profiles, it’s very important to make sure your information is identical on each platform.

Remember, consistency is key.

By setting up these profiles, you’ll become more visible to potential customers. You’ll also provide search engines with more information about your business, which will help to boost your ranking.

3. Create Local Content

Blogging is essential to SEO.

Just in case you haven’t already, create a blog on your website.

If possible, host your blog on your business’s domain for optimal SEO benefits.

For example, “www.website.com/blog” instead of “blog.website.com” or “websiteblog.com.”

Here’s Stonyfield’s blog:

local SEO start a blog

This way, as you acquire links to your blog, you’ll also gain links to your business’s main site.

And if you remember the pie charts at the beginning of this article, links are the second most important localized organic-ranking factor.

So, as your blog’s search engine rankings increase, so do the rankings of your website.

When writing the posts, make sure to include local city and neighborhood names wherever you can.

Not everyone will use your city name when searching, so be sure you also include neighboring towns and cities, neighborhoods, and unofficial terms that locals may use.

Include local news and happenings, which will not only boost your SEO but will also provide useful information to your audience.

Capitalize on the popularity of an upcoming community event, election, fair, etc.

Or, sponsor local events, teams, or organizations, and write about them.

Try to cover local events from the perspective of a local business owner.

You can also interview local experts within or outside your company.

Here, Stonyfield gets involved in a local charity initiative.

local seo start a blog

But don’t write about your business.

David Meerman Scott, an online marketing strategist, says it perfectly:

“Stop talking about your products and services. People don’t care about products and services; they care about themselves.”

Write posts that help and benefit your reader in some way. Aim to become a trusted source in your industry.

Here, none of Stonyfield’s most popular blog posts are about their business or products directly.

Instead, they are aimed at helping the reader in some way.

blogging for Local SEO ideas

Build Links

While you build your blog audience, you also want to collect inbound links.

A good way to start is to join conversations in other local business blogs.

You might want to avoid direct competitors, but are there any complementary or related business blogs in your community?

Participate by leaving thoughtful comments or mentioning (and linking) their posts on your blog.

Building relationships with other businesses is a great way to establish your website and attract links back to your blog.

Another thing you can do is conduct a backlink audit of your top competitors. You can use Ubersuggest to do this. Here’s how.

Step #1: Enter your competitor’s URL and click “search.”

local seo use ubersuggest to come up with ideas

Step #2: Click “backlinks” in the left sidebar to conduct your audit.

local seo find content ideas

The final section of the results page lists every backlink, along with:

  • Domain score: Measures the overall strength of the website, from 1 (low) to 100 (high)
  • Page score: Measures the overall strength of the page, from 1 (low) to 100 (high)
  • Link type: Text or image
  • Anchor text: The clickable text that leads to your website
  • First seen: The first time Ubersuggest robots identified the backlink
  • Last seen: The last time Ubersuggest robots confirmed the backlink

So, if Monteverde Restaurant & Pastificio is one of your competitors, you should review every backlink with an eye toward two things:

  • Quality (measured by domain score)
  • Your ability to secure a link

Reach out to the same sites and tell them why they should link to your site, too. It’s hit or miss, but even if you only pick up a few backlinks it’s a step in the right direction.

Know Who You’re Targeting

If you don’t know who you’re writing for, it’s extremely difficult to create valuable content that hits the mark.

So once you’ve created your reader personas, you need to understand your target neighborhoods and their demographics.

Nielsen created an excellent tool called Zip Code Lookup to help you do just that.

Simply input your zip code, and you’ll receive information like the median income, age, and consumer spending.

The tool also provides a title summing up the area, like “Urban Elders” or “Aspiring A-Listers.”

local SEO find who your target audience is using zip code look up

Local Content Mistakes to Avoid

Be sure to avoid common mistakes as you focus locally.

Don’t take content from other websites — even from your manufacturers — unless you’re using it as an attributed source or quote in your own original content.

Be wary of the multi-website approach for your business.

Many experts agree that it’s almost always better to build a single, strong website for your brand, its services, and branches, rather than splitting resources between multiple websites.

4. Get Reviews for a Local SEO Boost

Before the internet, it was easier for bad businesses to spin their branding and dupe customers.

Thankfully, the internet has put more power into consumers’ hands.

Now, everyone can instantly see whether you’re as good as you say you are.

Research shows that 81 percent of people read reviews and check ratings, and more than one-in-three consumers comment on blogs or contribute to online forums.

local seo the power of reviews chart

What’s more, 97% say customer reviews factor into their buying decisions.

So, basically everyone.

What’s the state of your online reviews?

If you have anything other than a four- or five-star rating on the major review sites, you might be in trouble.

Poor ratings turn potential customers off. And a lack of ratings may not instill trust and confidence in your brand.

However, a Harvard Business School study found that even bumping up your score by one star can help boost revenues by almost 10%.

Reviews also stand out to prospects as they’re often featured in local search results.

local SEO power of reviews in google local 3 pack

They actually make up 15% of the local pack-ranking factors.

Acquiring reviews is an ongoing process and one you’ll be engaged in for the life of your business.

Every business will receive negative reviews at some point along the way.

When you do, be sure to respond professionally and personally.

The best way to prevent negative reviews is to provide an incredible product or service.

By delighting your customers, you’ll limit bad reviews and encourage good ones.

So now that you’ve gotten your business properly listed on the main review platforms, it’s time to fill them with positive customer reviews and photos, like The Station:

local seo example of more online reviews

According to Moz, Google reviews are believed to have the greatest impact on Google’s local rankings.

You can create a shareable Google review link to promote to your audience here.

link to reviews for local SEO

Things to Avoid When Asking for Online Reviews

Before you start asking for reviews on any platform, make sure you know its guidelines and terms of service.

For instance, Google doesn’t permit you to offer incentives in exchange for reviews, and Yelp forbids businesses to request customer reviews in any way.

local seo google review policies screen shot

You want to channel your customer’s positivity to influence new potential customers.

What goes around comes around, right?

So don’t do anything pushy, like set up a review station or kiosk to ask for reviews.

Make sure to have local customers leave reviews using their own devices and under their own accounts.

Also, don’t ask for too many reviews at once. A sudden influx of positive reviews can look suspicious and may result in filtering on some platforms.

Once more, acquiring reviews should be a steady, ongoing process for your business.

5. Build Citations for Local SEO

What exactly are citations?

They’re mentions of your business name, address, phone number, or website (NAP+W) anywhere on the web, even if there is no link to your website.

Citations are important to your local SEO efforts because its signals make up 11% of local pack-ranking factors.

Make sure you only build citations for real physical locations, as P.O. boxes and virtual offices are not acceptable.

You can build a unique set of citations for every physical location you have.

But make sure the name, address, phone number, and website URL are correct and identical on each citation you build.

As I’ve mentioned in a previous article, mismatched NAP account for 41% of the total ranking issues.

name address phone number consistency for local SEO

So once again, consistency is key.

That said, search engine algorithms are clever enough to understand most abbreviations.

It’s important to check whether your abbreviation will be picked up and read correctly by search engines.

For a full list of acceptable abbreviations, check out Whitespark’s complete table.

Here are some ways to build citations.

Local Search Engines

Search engines like Google or Bing crawl the web for citations to validate or update the information in their own indexes.

You can help the search engines do this by listing your businesses on sites like Yelp, Hotfrog, and Foursquare. (Though it’s worth noting that FourSquare’s city guide is much less popular these days.)

Dedicate some time and resources to making sure your business is listed in as many relevant, quality local business directories as possible.

Local Blogs

Local blogs are a fantastic place to get your business listed to boost your local SEO.

These blogs are well-indexed by search engines and are highly associated with a particular city, region, or neighborhood.

As you acquire links from these blogs, search engines will increasingly view your business as trusted and relevant in the local search engines.

Local blogs will be different for each location, but you can find ones relevant to you and your business by searching terms like:

  • [target location] [niche/industry] blog

Often, the top local blogs will have the name of the city or region in their title or domain, like Seattle Theatre.

local SEO target local blogs.

Locally Focused Directories

Like local blogs, local directories are strongly associated with a geographic area and they’re well indexed by search engines.

Directories edited by a human are preferred.

This is because they’re less susceptible to spam, so they tend to be more trusted by the local search engines.

To start with, add your business to Best of the Web’s Regional Directory.

local seo find local directories

Then you can search for specific local directories by using search terms like:

  • [Target city] directory
  • [State] directory

Industry-Focused Directories or Blogs

You can also gain citations from industry focused blogs and directories.

These websites are focused on the topics and keywords related to your products and services.

Although these sites don’t always have a local focus, they may be counted as citation sources by local search engines.

Do you have a membership directory for your trade organization or a blog that’s popular among readers in your niche?

Both are likely to be crawled by the local search engines for citations.

Porch is a directory of local contractors like painters, plumbers, and electricians.

local seo example local of local directories

You can find industry directories and blogs relevant to your business by searching terms like:

  • [your industry] directory
  • [your keyword] directory
  • Top [your industry] blogs

Conclusion

Fighting to climb the SERPs can be tough for businesses, especially if you’re a small business with limited resources.

But local SEO is critical to your business success.

As people rely more and more on search engines and reviews to find what they need, you’ll need to boost your local rankings to be found.

So climb the local SERPs by optimizing your website, producing great local content, acquiring citations, and earning reviews.

But, don’t limit yourself to technical local SEO practices like citations and web optimization, though.

Build relationships with other relevant local business, participate in community events, and join local organizations.

Local SEO isn’t a stand-alone endeavor. You also need to use SEO and social media marketing to boost your rankings.

Online efforts are always a reflection of offline realities. If your business is bad, your reviews will be, too.

So, focus on building the best business you can.

What local SEO techniques have produced great results for your business?

The post The Definitive Guide to Local SEO appeared first on Neil Patel.

The Supreme Court's Pennsylvania Cleanup

The Justices have a chance to clarify who writes election law. The post The Supreme Court’s Pennsylvania Cleanup appeared first on ROI Credit Builders.

The post The Supreme Court's Pennsylvania Cleanup first appeared on Online Web Store Site.

The post The Supreme Court's Pennsylvania Cleanup appeared first on ROI Credit Builders.

Take Charge With New Business Credit Cards With EIN

Yes, You Can Get New Business Credit Cards With EIN

Can a startup get new business credit cards with EIN only? No doubt!

We checked out a number new business credit cards with EIN and did the research for you. So, here are our top picks.

Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal credit cards!

This demonstrates you can get a lot more cash with business credit. And it also shows you can have personal credit cards at retailers. So, you would now have an extra card at the same stores for your company.

And you will not need collateral, cash flow, or financial data to get business credit.

New Business Credit Cards With EIN: Benefits

Perks can vary. So, make sure to select the benefit you like from this variety of alternatives.

Secure New Business Credit Cards with EIN for Average Credit

Capital One® Spark® Classic for Business

For fair credit, we like the Capital One Spark Classic for Business. It has no yearly fee. There are cash-back rewards. The card earns an unlimited 1% cash back on all purchases. There is an annual fee of $0.

With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.

But KEEP IN MIND: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Ironclad Secured New Business Credit Cards with EIN

Wells Fargo Business Secured Credit Card

Check out the Wells Fargo Business Secured Credit Card. It charges a $25 annual fee per card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000). And it is designed to help cardholders develop or rebuild their credit.

Pick this card if you want to earn 1.5% per dollar in purchases with no limits. Or get one point for every dollar in purchases. You also get 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Details

Also, you get free FICO scores every month. There are no foreign transaction fees. It is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a card for balance transfers.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

Small Business Credit Cards with 0% APR – Pay Zero!

Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel with the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can earn unlimited points and points never expire.

new business credit cards with ein Credit Suite

Details

There is a 25,000-point sign-up bonus when you spend $1,000 in the first 60 days of opening the account. Cardholders get travel accident insurance, and lost luggage reimbursement.

They also get trip cancellation coverage, trip delay reimbursement and other benefits.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

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

JetBlue Plus Card

Check out the JetBlue Plus Card for another offer of a 0% introductory APR

Get six points/dollar on JetBlue purchases, two points/dollar at restaurants and grocery stores. And get one point/dollar on all other purchases.

Details

Spend $1,000 in the first 90 days and pay the yearly fee, and get 40,000 bonus points. New cardholders get a 12 month, 0% introductory APR on balance transfers made within 45 days of account opening.

Thereafter, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based upon creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 yearly fee for this card.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/

Reliable Low APR/Balance Transfers New Business Credit Cards with EIN

Discover it® Cash Back

Check out the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based on the Prime Rate.

Details

You can get 5% cash back at different places each quarter. So, these are places like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. In addition, automatically get unlimited 1% cash back on all other purchases.

You will get an unlimited dollar-for-dollar match of all the cash back you have earned at the end of your first year, automatically.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Exceptional New Business Credit Cards with EIN and No Annual Fee

Uber Visa Card

Check out the Uber Visa Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card provides 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases.

So, this includes retailers and subscription services such as Uber and Netflix. And get 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly within the app.

By spending a minimum of $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 per year are eligible to receive a $50 credit toward online subscription services.

Details

If you pay your cellphone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to certain events and offers. Uber expects the majority of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.

Also, there are restrictions on Uber credits. To redeem points as credits within the Uber app, accumulate a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.

Get it here: https://www.uber.com/c/uber-credit-card/

Costco Anywhere Visa® Business Card by Citi

Not taking Uber? Then you’ll need to fill your gas tank somehow. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus available with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Ink Business Cash℠ Credit Card

Consider the Ink Business Cash ℠ Credit Card. Small businesses can get cash back with each purchase. Spend $3,000 in the first three months from account opening. And you’ll earn a $500 bonus cash back.

There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. Thereafter, the APR is a 15.24 – 21.24% variable.

The credit card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn additional cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is greater. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Earn 2 miles/dollar with United and at restaurants, gas stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the first three months from account opening.

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.

Plus, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business

Starwood Preferred Guest® Business Credit Card from American Express

Another alternative is the Starwood Preferred Guest Business Credit Card from American Express.

This credit card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Earn six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.

And earn four points per dollar at American restaurants, American filling stations, and on American purchases for shipping.

Also, earn four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, earn two points per dollar.

Details

Get 75,000 bonus points when you spend $3,000 in the initial three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.

Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.

The most significant issue is the yearly fee. There is a $0 introductory annual fee for the first year, then it’s $95 thereafter. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card

Credit Builder New Business Credit Cards with EIN – Make Your Credit Surge!

Discover it® Student Cash Back

Be sure to look at the Discover it® Student Cash Back card. It has no annual fee. The credit card also has a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.

One distinct feature is that it offers an incentive for scholars to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit annually for up to five years.

Details

Use this credit card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will be important. And this card offers an excellent way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the first year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is more. And even though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

Terrific Cards for Cash Back

SimplyCash Plus Business Credit Card from American Express

Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 yearly fee. And there is a 0% APR on purchases. So this is for the initial 15 months an account is open.

But when the introductory period runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This credit card has numerous benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, earn 5% cash back at US office supply stores and on wireless phone services. So, these must be purchased from United States service providers. But this pertains to the initial $50,000 of yearly spending. Then, you get 1% cash back.

You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of yearly spending. Then, you earn 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this credit card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it kicks in if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Capital One® Quicksilver® Card

Check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards which cardholders can earn. Also, the card has a $0 yearly fee.

New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. And then they have a 14.74 – 24.74% (variable) APR after that.

A cash bonus of $150 is on offer. So it’s for those who make at least $500 in purchases within 3 months of account opening.

Details

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

This card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Unbeatable New Business Credit Cards with EIN for Jackpot Rewards

Chase Sapphire Preferred® Card

So have a look at the Chase Sapphire Preferred® Card for travel points.

You can get two points per dollar spent on travel and dining at restaurants. And you can get one point per dollar on all other purchases. Points can be redeemed for cash back, gift cards, or travel.

The card’s benefits include trip cancellation insurance, travel and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection and extended warranty protection.

When you spend $4,000 in the initial 3 months from account opening, you will earn 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

Details

You can earn an unlimited two points per dollar for travel and dining at restaurants. Then afterwards earn one point per dollar for all other purchases. Points will transfer equally to 13 leading frequent travel programs with partners. So, these include British Airways, Southwest Airlines, United, and Marriott.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 – 24.74% variable. Also, the card has an annual fee of $0 introductory for the first year. And then it skyrockets to $95.

Get it here: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred

Ink Business Preferred ℠ Credit Card

Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.

This is a Visa card.

Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.

Details

Earn 80,000 bonus points when you spend $5,000 in the initial 3 months from account opening. There is an annual fee of $95. You can add employee cards at no additional cost.

This card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases earn an unlimited flat rate of one point per dollar. And there is no introductory APR

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

Hilton Honors American Express Ascend Card

Have a look at the Hilton Honors American Express Ascend Card, which earns hotel rewards points. Get up to 12 points per dollar of eligible purchases at participating Hilton hotels or resorts.

Automatically get Hilton Honors Gold status. And this includes room upgrades when available. Plus a 5th night free when you book a rewards stay of 5 nights or more.

And get free internet access and late checkout. It also includes a 25% bonus on base points earned with Hilton Honors.

This card has a variable purchase APR of 17.74 – 26.74%. There is an annual fee of $95.

Details

Cardholders can earn a 125,000-point welcome offer after making $2,000 in eligible purchases in 3 months from account opening. Earn a free weekend night award after making $15,000 in eligible purchases on your card in a calendar year.

Benefits include purchase protection. And there is extended warranty coverage. They also include car rental loss and damage insurance and travel accident insurance.

If you spend $40,000 on eligible purchases with the card in a calendar year, you can earn Hilton Honors Diamond status. So that is through the end of the next calendar year. This status includes all the benefits of Gold status.

It also includes a 50% bonus on base points earned with Hilton Honors. And exclusive floor lounge access at select properties. But that is terribly high spending required for elite status. Only you can decide if that’s worth it.

Get it here: https://www.americanexpress.com/us/credit-cards/card/hilton-honors-ascend/

Small Business Credit Cards for Luxurious Travel Points

Capital One® Spark® Miles for Business

Be sure to check out the Capital One® Spark® Miles for Business card. With this card, you can earn 2 miles per dollar on all purchases. When you spend $4,500 within the first 3 months of opening an account, you can earn 50,000 miles. So, that is worth $500 in travel.

Benefits for cardholders include an auto rental collision damage waiver, and purchase security. And they also include extended warranty coverage. And you get travel and emergency assistance services.

Cardholders will pay $0 introductory for the first year. But they will pay $95 after that for the annual fee.

There is no 0% APR for purchases or balance transfers with this card. The APR is 18.74% (variable).

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

The Business Platinum® Card from American Express OPEN

Check out the Business Platinum® Card from American Express OPEN if you’re comfortable with an exorbitant annual fee. This card earns 5 points per dollar on flights and prepaid hotels booked on the American Express Travel website.

It also earns 2 points per dollar on travel purchases booked on the American Express Travel website.

Furthermore, it earns 1.5 points per dollar on purchases of $5,000 or more. So, this is with up to one million additional points per calendar year. All other eligible purchases get one point per dollar.

Details

With this card’s welcome offer, you can earn 50,000 bonus points when you spend $10,000. And earn another 25,000 points when you spend an additional $10,000 in that same period.

Cardholder benefits include global lounge access and a $200 airline fee credit. And you get a fee credit for Global Entry or TSA Precheck.

Benefits also include complimentary Wi-Fi hotspot internet access, privileges including early check-in and daily breakfast at participating hotels and resorts. Plus, the card offers travel accident insurance and roadside assistance.

This card does not offer bonus point earnings in other categories such as gas, office supplies or advertising. Furthermore, all these benefits do not come cheap. Note: the card has an annual fee of $450!

Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-platinum-credit-card-amex

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Chase Sapphire Reserve®

For travel points, check out the Chase Sapphire Reserve® card. You can get 3 points/dollar on travel and dining at restaurants and 1 point/dollar on other purchases.

Spend $4,000 in the first 3 months, and you will get 50,000 bonus points. This card offers a $300 annual travel credit. And you get airport lounge access, perks at luxury hotels and resorts including upgrades.

It also offers a fee credit for Global Entry or TSA Precheck, early check-in and late checkout. And it offers trip cancellation and interruption insurance, an auto rental collision damage waiver.

Details

Plus, lost luggage reimbursement, trip delay reimbursement, and purchase protection. Finally, it also has return protection and extended warranty protection.

This credit card also offers cardholders a 25% higher points value when redeemed for travel through Chase Ultimate Rewards. With this card, points are worth 50% more when redeemed for travel through Chase Ultimate Rewards.

The most significant issues are the yearly fee of $450 and $75 for each authorized user. Another point to consider should be that the card has a 17.99 – 24.99% variable APR.

So, consider this one carefully and make sure to read the small print.

Get it here: https://www.chase.com/card-benefits/sapphirereserve/travel

IHG ® Rewards Club Premier Credit Card

Check out the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For each dollar spent at participating IHG hotels, earn 10 points. Earn two points per dollar spent at gas stations, grocery stores and restaurants.

Plus all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.

Details

This card provides a free one-night hotel stay annually. Plus, there is a wide array of benefits. These include travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.

The most significant issue is that the card does not offer a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the annual fee is $89.

Get it here: https://creditcards.chase.com/a1/ihg/premiernaep

Marriott Rewards® Premier Plus Credit Card

This card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases.

Spend $3,000 in the initial three months from account opening. Then earn two free night awards (each has a value of up to 35,000 points).

Cardholders get access to perks including a free one-night stay each year after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.

Details

Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. In addition, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.

Spend $35,000 each account year, and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.

There is an annual fee of $95. So the APR is a 17.99– 24.99% variable.

Get it here: https://creditcards.chase.com/marriott/apply

The Best New Business Credit Cards with EIN for You

Your absolute best new business credit cards with EIN will hinge on your credit history and scores.

Only you can pick which features you want and need. So, be sure to do your homework. What is excellent for you could be catastrophic for someone else.

And, as always, be sure to establish credit in the recommended order for the best, quickest benefits.

The post Take Charge With New Business Credit Cards With EIN appeared first on Credit Suite.

Bonus Bill – Ep. #510

Listen in on the jokes only Bill’s audience got to hear. 

The post Bonus Bill – Ep. #510 appeared first on Buy It At A Bargain – Deals And Reviews.

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