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Get Zero Percent Business Credit Cards

Get the Best Zero Percent Business Credit Cards Now

We investigated a lot of zero percent business credit cards for you. So, here are our choices.

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

This reveals you can get a lot more cash with corporate credit cards. And it also reveals you can have personal credit cards at stores. So, you would now have an extra card at the very same stores for your small business.

And you will not need collateral, cash flow, or financials to get small business credit.

Zero Percent Business Credit Cards: Benefits

Benefits can vary. So, make certain to select the benefit you would like from this choice of alternatives.

Zero Percent Business Credit Cards with a 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 yearly fee. There is a 0% introductory APR for the initial year. After that, 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.

You will need great to superb credit 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. But its rewards are in cash rather than 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 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

You will need good to superb credit to qualify.

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

Zero Percent Business Credit Cards with No Yearly Fee

Zero Percent Business Credit Cards with No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Take a look at the Ink Business Unlimited℠ Credit Card. Past no annual fee, get an introductory 0% APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%. 

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. 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 through Chase Ultimate Rewards®. You will need excellent credit scores to qualify for this card.

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

Get Zero Percent Business Credit Cards Credit Suite

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

Zero Percent Business Credit Cards for Cash Back

Zero Percent Business Credit Cards with Flat-Rate Rewards and No Annual Cost

Discover it® Business Card

Have a look at the Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for 12 months. After that 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 minimum spend requirement.

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

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

Bonus Categories

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash℠ Credit Card. 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%. You can get a $500 one-time cash bonus after spending $3,000 in the first three 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 first $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 restriction to the amount you can get.

You will need exceptional credit to get approval 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.

Get 3% cash back in the category of your choice. So these are gas 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 first $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need excellent credit scores to qualify.

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

Flat-Rate Rewards

Capital One ® Spark® Cash for Business 

Have a look at the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the initial year. Afterwards, this card costs $95 per year. There is no introductory APR offer. 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 excellent credit to qualify.

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

Get Zero Percent Business Credit Cards Credit Suite

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

Zero Percent Business Credit Cards for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Take a look at 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 get a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the first three months. Rewards never expire.

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

You will need great to superb credit scores to qualify.

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

Zero Percent Business Credit Cards for Lavish Travel Points

No Annual Fee

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

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

You can get 30,000 bonus points when you make at least $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.

Earn unlimited 1.5 points for each $1 you spend on all purchases, everywhere, every time. And this is despite how much you spend.

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

You will need exceptional credit scores 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/

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Have a look at the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which after that 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 great for travel if your expenses don’t come under conventional bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book with Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. However 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 excellent FICO score to qualify.

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

Get Zero Percent Business Credit Cards Credit Suite

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

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 first 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem via 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 great to outstanding FICO score to qualify.

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

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

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

Points

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

Get double points on all other eligible purchases.

Rewards

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

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

The Very Best Zero Percent Business Credit Cards for You

Your straight-out best zero percent business credit cards hinge on your credit report and scores.

Just you can pick which features you want and need. So, ensure to do your homework. What is outstanding for you could be disastrous for another person.

And, as always, make certain to develop credit in the advised order for the best, fastest benefits.

The post Get Zero Percent Business Credit Cards appeared first on Credit Suite.

A Lone Star Speech Victory

The University of Texas at Austin will dissolve its bias-response team.

The post A Lone Star Speech Victory appeared first on ROI Credit Builders.

The Best Luxury Marketing Strategies

Have you ever seen a Facebook ad for Chanel? Or an Instagram ad for Lamborghini?

Me neither. That’s because luxury marketing strategies don’t follow the same rules as mass-market brands.

Selling to high-end consumers requires a different approach. But that doesn’t mean popular digital channels are off-limits.

SEO, PPC, even some social media sites can drive online sales for your luxury brand.

Today, I’m going to show you exactly how to take your luxury brand online with the best luxury marketing strategies.

What Qualifies as a Luxury Brand?

Gucci, Rolex, Ferrari. For the most part, you know luxury brands when you hear them.

But what does it take for a brand to qualify as a luxury? In my opinion, it’s down to the three Es: Expensive, Excellent, and Exclusive.

Luxury products are synonymous with high price tags. This is the most common indicator of luxury, but it is also the most misleading. Just because something costs thousands of dollars doesn’t mean it’s luxury.

That’s why luxury products also need to be excellent. The quality has to match the price tag. Good doesn’t cut it in the luxury category; a brand has to be at the very top of the market.

Luxury fashion is created by the best designers in the world. The best engineers create luxury cars. Ditto for timepieces.

Finally, luxury products have to be exclusive. It’s not a luxury product if everyone has one. Often, exclusivity is achieved by price. A ten thousand dollar handbag is well out of reach of the majority of consumers. But brands can also achieve exclusivity by selling a limited number of products. Or they can do both, like Supreme.

Luxury Marketing Supreme

Luxury Marketing Trends

According to Statista, the global luxury goods market will increase from $285.1 billion in 2020 to $388 billion in 2025.

Despite what you might think, online sales of personal luxury goods are growing, too. McKinsey estimates 8% of all luxury sales are made online or around €20 billion. That’s a five-fold increase from 2009. What’s more, the majority (almost 80%) of purchases made in-store are influenced by digital.

The consultancy expects online luxury sales to triple by 2025 when almost one in five personal luxury sales will happen online.

Digital channels will be essential for luxury brands going forward. The pandemic hit department stores hard and forced luxury consumers to buy online more than before.

BCG predicts the e-commerce boom will continue in the future both for inspiration and for transactions.

Going digital will also be key to meeting today’s new luxury consumers and those of tomorrow. Millennials, who are entering their peak earning years, and Gen Z, many of whom are just entering the workforce, have grown up in the digital era and expect brands to have an online presence as high-quality as their products.

All that’s to say: digital marketing must be a key part of a luxury brand’s strategy going forward.

Luxury Brand Marketing Strategies

Here’s the thing, luxury marketing isn’t synonymous with digital marketing…yet.

Until now, luxury brands have been able to rely on full-page ads in premium magazines, billboards in duty-free stores, and high-end, high budget TV ads.

Not any more.

To survive in the increasingly competitive luxury space and attract new customers, luxury brands must understand what the luxury consumer wants from a brand and how digital can help them get there.

From SEO to PPC, apps to AR, there are loads of marketing strategies to explore.

Understand the Luxury Customer

The first step in developing a luxury marketing strategy is to understand your audience. Enter buyer personas.  

A buyer persona is a detailed description of your ideal consumer. It will include their age, demographic, job, hobbies, salary, and anything else relevant. The more detail you can include, the better.

Here’s an example of a luxury consumer persona from Stella Rising.

Luxury Marketing Consumer

Keep in mind; you may not have just one buyer persona. If several different groups of people buy your products, you’ll need to develop a buyer persona for each of them.

Detailed buyer personas help your brand understand precisely who your customers are and what they want from your brand.

They will allow you to better communicate with your customers and focus your marketing efforts.

Develop Your Digital Luxury Marketing Strategy

Now you understand who your customers are and what they want from your brand, you can build a marketing strategy that will drive results.

Start by thinking about the channels you want to target. This could be a social media platform you want to pay particular attention to; it could be Google; it could even be a custom app.

Focus on one or two to start with, particularly if your luxury brand is new to digital marketing.

Next, define your goals. This may be increasing brand awareness, but a better and more measurable goal is an increase in sales. (It’s also easier to measure sales increase.)

Finally, work out how you’re going to measure your success. If you’re going to use SEO to increase revenue, for instance, find out how much revenue Google and Bing are responsible for right now. If you don’t already have Google Analytics tracking in place, now’s the time to set it up.

Experimental vs. Traditional Marketing

Most marketers are aware of traditional luxury marketing tactics. Full-page ads in premium magazines or weighty direct mail pieces are a luxury marketer’s bread and butter.

But those strategies won’t cut it in an increasingly digital world.

Many brands consider digital marketing experimental in itself. But I urge luxury brands to go beyond standard digital marketing tactics and explore more experimental channels.

One option is a brand app. Apps offer brands a way to speak to users directly through their smartphones. Your app could be as simple as a mobile responsive version of your website.

Or you could take things even further by integrating augmented reality features. Burberry, for instance, has launched an AR shopping tool that lets consumers see Burberry products in their surrounding environment.

Chanel has combined offline marketing with digital marketing in a holiday popup event at The Standard in New York. An AR app, which could be accessed on the Chanel website or via Snapchat, brought the popup to life.

Role of Loyalty in Luxury Marketing

Luxury brands have loyal consumers. This is important because the more loyal your customers, the less marketing you have to do.

Don’t worry; I’m not recommending creating a loyalty program. That could devalue your luxury brand.

Rather, you need to turn consumers into fiercely loyal brand advocates. One way to do that is through the quality of your products. Another way is through the quality of your marketing.

You can also partner with influencers on social media channels. Influencer marketing is incredibly cost-effective and, if done well, can put your brand in front of the right kind of consumers.

Just make sure to find influencers who already operate in the luxury space and whose audience buys the products they promote. Aspirational jet-setting influencers are a dime a dozen.

You want to work with the few who have the audience to back it up. Otherwise, you won’t see results.

Develop a Targeted Luxury Marketing Keyword Strategy

Whether you’re running an SEO campaign or a PPC campaign (or both), I recommend developing a highly targeted luxury marketing keyword strategy.

Start by targeting high-conversion keywords. Sure, attracting consumers in the research phase of their journey is important. But for the sake of your ROI, you’re going to want to target consumers who are ready to purchase.

The CPCs of luxury marketing terms can be expensive, given the competition and the price of products.

Try to advertise as the “top watch maker” on Google, and you’ll pay $80 per click. Ouch.

Luxury Marketing Top Watchmaker

Or $50 to advertise as one of the best luxury compact cars.

Luxury Marketing Compact Car

If you want to see a return on your investment, focusing on high-intent keywords is essential.

You’ll also need to make careful use of your negative keyword list.

Unless you’re using negative keywords, you aren’t really in control over what terms your brand will appear. The last thing you want is for ads for your luxury brand to start showing up in searches containing “discount,” “sale,” or “free.”

The kind of consumer that clicks on those ads won’t match your buyer persona. Here’s how to add negative keywords to your ads.

Luxury Marketing Content Campaigns

A huge part of luxury marketing revolves around storytelling. Whether it’s the history of your brand or the craftsmanship of your products, you probably have a lot to say.

This makes content marketing campaigns a must for luxury brands.

What should you write about exactly? Well, apart from telling your brand story, I recommend using long-form content to help consumers find the right product for them.

Buying a luxury product is often a big decision, and consumers research their choices thoroughly before committing. Buying guides put your brand front and center for consideration while providing value and establishing a relationship even before the purchase has been made.

This is a strategy my team at NP Digital adopted for a prominent jewelry retailer that wanted to increase online sales.

We wrote a comprehensive piece of content about finding the perfect engagement ring that helped traffic from search engines to grow from 20% of all traffic to 30% of all traffic in the first six months of our partnership.

Your content can continue to add value for customers after purchase. Detailed guides on using and caring for luxury products make for excellent blog posts that can increase brand loyalty while attracting even more consumers.

Use the keywords you’ve discovered above to guide your content creation process. You’ll want to make sure there’s some form of content for every key term, whether that’s a category page, a blog post, or something else entirely.

SEO For Luxury Brands

Search engines are massive traffic drivers for luxury brands and play an important role in both the research and purchase phase of the consumer journey.

Yet, they are consistently undertilized by luxury brands. It doesn’t help that luxury brands tend to have poorly designed (but very good looking) websites and a lack of content for Google to crawl.

As I said above, creating new content is critical for luxury brands who want to succeed online. Targeting new, high-intent keywords is also important.

But you shouldn’t forget about the more technical aspects of SEO, like optimizing category pages. Or off-page factors, like building links.

The more time and effort you devote to understanding and implementing SEO, the more revenue your store should generate. For instance, we increase the revenue of our luxury jewelry client by 21% through SEO.

While Google should be your focus, don’t forget about Bing. Users of Microsoft’s search engine tend to be more affluent, with 25% of users having an income in the top 25%. It makes sense to focus some efforts on Bing SEO.

Conclusion

The luxury market is changing.

Luxury marketing can no longer be confined to TV channels, billboards, and glossy magazines. Now is the time to take your luxury brand digital and invest in SEO, PPC, and whatever social media your consumers use.

So here’s my question to you:

What will be the first digital channel you use to promote your luxury brand?

The post The Best Luxury Marketing Strategies appeared first on Neil Patel.

Williams family stepping down from its F1 team

The Williams family is set to leave Formula One after standing down from the leadership of the team that carries its name.

The post Williams family stepping down from its F1 team appeared first on Buy It At A Bargain – Deals And Reviews.

U.S. Stocks Outpacing the Rest of the World

The post U.S. Stocks Outpacing the Rest of the World appeared first on Buy It At A Bargain – Deals And Reviews.

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