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The Trade Offs of Buying Instagram Followers

Like any shortcut, buying Instagram followers can be very tempting.

And why not? Just look at these ads:

“Get 100% real Instagram followers within 10 minutes!”

“Pay only $5 for 500 followers.”

“Increase your Instagram following by 25% at shockingly low rates!“

See? Tempting.

But let us warn you – don’t give in.

These shortcuts are never worth it. More so, because the Instagram algorithm is updated regularly to weed out low-quality and fake accounts and interactions.

Plus, the results are hollow, scammy, and… mortifyingly obvious.

In this guide, we’ll cover all points to give you a better idea about how buying Instagram followers works – or rather how it doesn’t work – along with actionable ways to increase your number of followers organically.

So, let’s get started!

How People “Think” Buying Instagram Followers Will Help Them?

Buying Instagram followers is usually done in two ways, each having different results:

More (Fake) Followers

You can indeed get more followers very easily and cost-effectively by spending money.

But Instagram can track down your fake followers who are actually shell accounts and can ban them. Moreover, you won’t get any revenue or engagement for your business.

Automatic Following and Unfollowing, With More Likes

This method is based off on the common Instagram etiquette – #FollowForFollow.

You follow an account, and that account follows you back. The catch here is that the other account gets automatically unfollowed after a few days

You have the option to choose how fast you want the bot to work where you’ll follow other Instagram users, who will then check out your account and give you a follow.

We know that this method sounds better than the first one, but it still isn’t an organic way to increase your true fans. Here’s why it doesn’t work:

  • People Can Tell You Bought Followers 

The bot can like several pictures in quick succession, tipping off Instagram users that you aren’t really engaging with them. Having a high-followers-to-following ratio is another indication.

  • Doesn’t Identify Accounts Who Will Follow You Back 

The bot cannot identify accounts who are bots, brand ambassadors, or inactive accounts. So even if you follow them, these accounts will not follow you back.

  • Inaccurate Customer Targeting 

It’s necessary to have an organic, loyal fan following if you want to boost your engagement in the long run. The bot often messes up targeting and adds accounts who have no genuine interest in your brand.

  • Unfollows Rather Quickly

Not everyone checks their Instagram regularly. So they can miss the bot following and unfollowing them, which again does nothing for your account. #MoneyWasted

Basically, you won’t have sustainable results in the long run.

How Buying Instagram Followers Affect Your Brand Negatively?

Before talking about why you shouldn’t buy Instagram accounts, let’s discuss why you choose to operate an Instagram account.

  • You want to connect with friends and family, giving them a glimpse into your daily lives. If this is you, why would you want to buy followers to have a bigger network? You don’t know them, and they definitely will have no interest in the posts you share.
  • You want to take advantage of the 1 billion Instagram users and sell your product or service. If you‘re a business or brand, fake followers have no use for you since they aren’t going to buy anything from you.
  • You want to influence your followers and potentially land lucrative deals from brands to showcase their offerings. If you’re an influencer, what’s the point of having fake followers when you cannot influence them? This will only make you look unreliable and fake.

In other words, buying Instagram followers is nothing but #Fail.

That said, let’s discuss the reasons why you shouldn’t buy Instagram followers in more detail:

Absolutely Zero Genuine Engagement

One of the main reasons why people buy followers is to boost their engagement. Well, right after increasing the number of followers.

The reality couldn’t be further from the truth, though.

Since you’re merely paying for fake bot accounts, the best engagement you can hope for is a generic “nice post“ comment.

If you‘re an influencer, your main job is influencing your followers‘ behavior and possibly steering them to buy products from brands with whom you share affiliate partnerships. 

But if they don’t engage with you, you aren’t influencing them at all.

Precisely why brands check out the validity of an “influencer“ before taking the plunge and working with them.

Your Competitors And Instagram Know You Bought Followers

There are some dead giveaways that scream you purchased your Instagram followers and likes, making your folly embarrassingly obvious.

  • Your likes-to-follower or likes-to-comments ratios are unnaturally high.
  • You have like-buying services following your account.
  • The accounts that like your post or follow your account have little to no activity in the form of posts, few followers, missing profile photos, and so on.

Trust us, people will know.

You’ll Have Mismatched Engagement

Human behavior is predictable, which is why you‘re likely to have a typical pattern of engagement if you have a genuine following. 

Markerly analyzed the Instagram accounts of 2 million influencers and discovered the following patterns:

  • Less than 1000 followers average about 8% engagement
  • 1000-10,000 followers average 4% engagement
  • 10,000-100,000 followers average 2.4% engagement
  • 100,000 followers-1 million followers average 1.8% engagement
  • Greater than 1 million followers average 1.7% engagement

Now, this doesn’t mean your engagement rates should exactly match these numbers – after all, they are just averages. But a noticeable difference would mean there’s definitely something fishy going on.

Instagram Will Punish You or Even Suspend Your Account

Instagram is ruthless when it comes to penalizing accounts with fake followers.

The platform has recently updated its terms of use to identify and remove fake accounts and is also removing any likes, follows, or comments that come from third-party applications created to grow audiences artificially.

You‘ll also violate Instagram community guidelines if you buy followers, which can trigger a reaction from moderators.

Fake accounts are purged constantly, so your followers can disappear at any time. There is also the risk of Instagram outrightly suspending your account due to these unethical practices.

Higher Vulnerability to SPAM

The majority of your bought followers will be fake, but there might be a few accounts that bring SPAM with them.

When you provide your email address for purchasing followers, you‘re basically providing opportunities for spam posts. These spammers will have access to your followers and deliver SPAM there as well.

Some of your genuine followers may end up following these accounts just because they see you doing it, and when they discover the quality of these accounts, they might end up unfollowing you.

No Income for You

Your fake followers won’t spend any money on your products, and neither will they refer people to you.

So what’s the point of spending money to buy followers when there is no benefit?

As mentioned before, brands don’t select influencers based on the number of followers alone anymore. They use a host of tools to get an accurate picture to avoid working with unworthy accounts.

When they find you bought your followers, which they will, they obviously won’t work for you. 

Hence, you won’t earn any income despite spending some serious money on increasing your fake followers’ list.

You’ll End Up Being Blacklisted

Let alone income, brands will outright blacklist you if they find you lack credibility.

Influencer marketing is based on trust, which is why brands want to partner with genuine influencers who built their following organically. And when they find you’ve taken a dishonest shortcut, they‘ll start questioning your worth as a business.

Instead, you can consider buying Instagram ads. Not only will this help you increase your reach, but you might also be able to pull genuine followers. 

Plus, if you have the budget to “buy“ followers, why not spend it on paid advertising instead?

Actionable Ways to Increase Your Instagram Followers Authentically

We can now agree that buying fake followers isn’t going to get you Instagram success, and will only affect your potential adversely.

So the question here is how you can get more Instagram followers.

The following are some of the best practices to increase your Instagram followers:

Create Useful and Relevant Content

The best way to make people stop scrolling through their Instagram feed and like your post or follow your account is to create content that genuinely interests them.

Think about your target audience, and make the value of your post clear by tying it to a specific purpose.

What do you want to post to be? Informational, educational, or entertaining?

Here are a few suggestions to help you with content creation:

Informational Content That Informs Your Audience

  • Interesting articles, stories, and other relevant content from around the world.
  • Research and analysis that explore a specific subject or area.
  • Latest local, national, and international news in your niche.

Educational Content That Teaches Your Audience

  • Step-by-step how-to guides that show the user how to accomplish something.
  • Tutorials in the form of photos or instructional videos.
  • Video reviews of products or services to help users with purchase decisions.

Entertaining Content That Helps Your Audience Pass Their Time

  • Celebrity-focused gossip, stories, and photos.
  • Quizzes, brainteasers, trivia, and other mental tests.
  • Humorous content to break the daily monotony of life.

Inspirational Content That Uplifts Your Audience

  • Inspiring photos and videos related to fashion, home, food, garden, and travel.
  • Thought-provoking perspectives or strong opinions on critical topics.
  • Personal anecdotes or stories to create feelings of empathy.

You can choose any content type according to your target audience and personal preference – just make sure it’s purposeful. Your audience should feel they‘re getting something out of your posts. 

If you still face difficulty in understanding the kind of content to post, you can hire a social media marketing agency or consultant to do the job for you. 

Our team at Neil Patel Digital has a team of experts that are highly skilled in creating Instagram posts that drive traffic and boost engagement.

Using Growth Tools Strategically

Hashtags are an excellent way to grow your Instagram and earn authentic followers. 

Effective growth tools, such as HashtagsForLife, will allow you to see how a specific hashtag is performing in your content area and provide you insights and analytics. You can also see its reach, average likes, and unique posts made using that hashtag.

These are some of the top Instagram hashtags:

  • #love (1,271,692,015)
  • #instagood (742,795,562)
  • #photooftheday (507,358,504)
  • #fashion (487,010,088)
  • #beautiful (463,668,566)
  • #happy (427,528,663)
  • #cute (418,686,470)
  • #like4like (417,887,839)
  • #tbt (413,049,020)
  • #followme (392,011,012)

Promote Your Instagram on Other Social Media Platforms

It’s normal for people who are on Instagram to also be on other social media platforms like Facebook and Twitter.

So when you promote your Instagram on other networks, your followers will know that you have an account on Instagram as well, which, in turn, can drive traffic to the latter platform and simultaneously increase your followers.

Make sure your Instagram business account is linked to Facebook. This will enable you to share your Instagram post on your Facebook page, giving your Facebook friends and followers a sneak peek of what you have to offer on Instagram.

Try Instagram Ads

If you’re considering buying followers, you should give marketing with Instagram ads a try.

Choose an appropriate ad campaign objective like increasing your brand awareness or boosting your reach. 

Not only will this help you build your follower count, but will also get out there in front of people who’ve never heard about your brand and products, but want to.

Optimize your Instagram account

Optimizing your Instagram account can be an excellent way to get organic followers.

Your Instagram bio is like the homepage to your account, which is your brand. 

Think of a creative bio, add creative image captions, choose a good profile image and user name, and watch the magic unfold.

Doing this will help you build your brand identity as well as drive Instagram traffic to your site. You can also add links in your bio that direct your visitors to your site.

Top Tip: Make your Instagram as search-friendly as possible. If it’s too long, try to shorten it. Also, avoid adding numbers or special characters.

Follow a Consistent Content Calendar

Posting regularly on Instagram is a not-so-secret secret to lock in more followers. 

If you’re getting followers, you don’t want to make them forget they followed you in the first place, which is why maintaining a regular posting schedule is necessary.

You shouldn’t post more than two times a day to avoid spam – it’s the consistency that matters. 

Nearly 200 million Instagram users use their accounts daily, so even if you post a few times, it’s enough to get the followers rolling in. 

Just take a look at the above graph to know the best times to post to Instagram.

Follow the Follow + Like + Comment (FLC) Rule

You might have already heard about this rule, and it’s just as simple as it looks.

You should engage directly with your followers, follow different accounts, and like and comment on their photos. Try to do this repeatedly until you see a response.

In fact, when you FLC with a personal touch, you can have a third out of say, a hundred contacts that you engage with, follow you back.

Host Giveaways

Everybody likes free stuff, so why not get attention from other users by running a giveaway for your products, services, or merchandise?

You’ll find many businesses run a giveaway, where they ask the users to tag 3 to 5 friends and repost content. This can be a great way to boost your brand visibility and gain many followers quickly.

You Can’t Have Bots Carrying You Towards Instagram Success

Fake followers might boost engagement initially, but in the long run, there’s really no benefit – both in terms of credibility and financial gain.

Instead of trying to pay your way into Instagram popularity, follow our highly effective tips to slowly but legitimately grow your followers.

It may seem daunting to create a plan to increase your follower count, but with an effective strategic plan in place, you’ll have your followers growing faster than a bot ever could.

Wondering where to start? Contact us here and let us help disrupt your industry.

The post The Trade Offs of Buying Instagram Followers appeared first on Neil Patel.

How to Build Business Credit with Bad Personal Credit

You don’t have to let bad personal credit destroy your dreams of starting your own business.  It may take a little longer to get started, but it is possible. The key is business credit. However, you do need to know how to build business credit with bad personal credit. 

Start a Business by Learning How to Build Business Credit with Bad Personal Credit

The thing you have to understand when it comes to how to build business credit with bad personal credit, is it is a process.  It takes some time. You have to actually climb the mountain to get to the top. There is no helicopter ride. However, once you are there, all you have to do is stay there.  What you learn on the climb will make staying there much easier. 

How to Build Business Credit with Bad Personal Credit: Set Up Your Business to Be Separate 

Most do not realize that you can’t even start building business credit until your business is set up properly.  Until then, any accounts you have are just reporting to your personal credit, even if they are called business accounts. How do you fix that?  You have to set up your business as a fundable entity separate from you as the owner. 

Get our business credit building checklist and build business credit the fast and easy way.

Separate Contact Information

Your business has its own phone number, fax number, and address.  That doesn’t mean you have to get a separate phone line, or even a separate location.  You can even still run your business from your home or on your computer if that is what you want.  You don’t even have to have a fax machine.  


You also have to get an EIN. This is an identifying number for your business that works like how your SSN works for you personally.  You can get one for free from the IRS.


Incorporating your business as an LLC, S-corp, or corporation is vital.  It lends credibility to your business as one that is legitimate. It also offers some protection from liability. 

Which option you choose does not matter as much for fundability as it does for your budget and needs for liability protection.  The best thing to do is talk to your attorney or a tax professional.  What is going to happen is that you are going to lose the time in business that you have.  When you incorporate, you become a new entity. You basically have to start over. You’ll also lose any positive payment history you may have accumulated. 

This is why you have to incorporate as soon as possible.  Not only is it necessary for fundability and for building business credit, but so is time in business.  The longer you have been in business the more fundable you appear to be.  That starts on the date of incorporation, regardless of when you actually started doing business. 

Business Bank Account

You have to open a separate, dedicated business bank account. First, it will help you keep track of business finances.  It will also help you keep them separate from personal finances for tax purposes. 

Furthermore, there are several types of funding you cannot get without a business bank account.  Many lenders and credit cards want to see one with a minimum average balance.  In addition, you cannot get a merchant account without a business account at a bank. That means, you cannot take credit card payments.  Studies show consumers tend to spend more when they can pay by credit card.


For a business to be legitimate it has to have all of the necessary licenses it needs to run.  If it doesn’t, warnings are going to go up at every turn.  Do the research you need to do to make sure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels. 


Of course, you are wondering how a business website can affect funding.  Here’s how.  These days, you do not exist if you do not have a website. But, having a poorly put together website can be even worse.  It’s a first impression, and if it appears to be unprofessional it will not be good.

Spend the time and money necessary to ensure your website is professionally designed and works well.  Pay for hosting too. Don’t use a free hosting service.  Along these same lines, your business needs a dedicated business email address.  Make sure it has the same URL as your Website. Don’t use a free service such as Yahoo or Gmail.

How to Build Business Credit with Bad Personal Credit: Get Accounts Reporting 

This is the part that a lot of business owners don’t get.  It isn’t easy to get credit in the name of your business when you don’t have credit to begin with. There are a few hacks that can help you jump over this hurdle however.  Once you break down the need credit to get credit wall, you can work your way up through the credit tiers. 

The other piece of this puzzle that is missed by many business owners is that you have to have a D-U-N-S number for it to work. Dun & Bradstreet is the largest and most commonly used business credit reporting agency.  If you do not have a D-U-N-S number, you do not have a file with them.  If payments are reporting to them and there is no corresponding D-U-N-S, the payments will not count. To build business credit you absolutely have to have this number.  

Now, how do you get accounts reporting without your personal credit coming into play? 

Ask Vendors You Already Work with to Report Payments to Credit Agencies

Vendors you already have a relationship with may be willing to extend credit without a credit check.  If not, they may offer net 30 terms on invoices.  They don’t have to, so you will have to ask. The worst that can happen is they say no.  If they say yes, ask them to report the payments to the business credit agencies. 

Talk to Utility Providers about Reporting Payments

You pay things like utilities, rent, and internet each month anyway.  Ask those companies to report payments to the business credit reporting agencies.  Again, the worst they can say is no.

Use Starter Vendors in the Vendor Credit Tier

This is a little-known secret of how to build business credit with bad personal credit.   Many are unaware of starter vendors. They are part of what we like to call the vendor credit tier.  Certain retailers will extend Net 30 terms in your business name without a credit check.  Then, after you pay, they will report those payments to the business credit reporting agencies (CRAs). 

Get our business credit building checklist and build business credit the fast and easy way.

This is how you can get the ball rolling with business credit.  They do not check either your business or personal credit score.  Of course, they do have other risk reducing guards in place. These vary by vendor.  When you ask yourself “how do I build business credit,” starter vendors are the answer. Here are a few to help you start the process. 

Quill Office Supplies 

Quill sells office supplies as well as cleaning and packaging supplies. Products range from office furniture to office supplies and more. 

They report to D&B. If you do not already have a PAYDEX score, you will have to place an initial order first. Generally speaking, they establish a 90-day prepay schedule, and if you order each month for three months, they will most often approve you for a Net 30 account. 


Uline sells shipping, packing, and industrial supplies.  Also, they report to Dun & Bradstreet.  This means you must have a D-U-N-S number. 

In addition, they ask for 2 references and a bank reference. The first few orders might need to be paid in advance to get approval for Net 30 terms.

Grainger Industrial Supply 

Grainger sells power tools, pumps, hardware and other things. In addition, they can handle maintenance of your auto fleet. You need a business license and EIN to quality, as well as a D-U-N-S number.

You can apply by fax or over the phone. If you need less than $1,000 in credit, you only need a business license for approval. For over $1,000, you will need trade and bank references.  

If you are just starting out and do not have references, the $1,000 is plenty to get you started building your business credit. 

Behalf is a way of getting paid through an app, but they also offer funding. The more you have your customers pay you through Behalf, the more likely Behalf is to offer you favorable terms when it comes to funding.  

Funding can be through purchase financing or a virtual MasterCard option. Terms run from Net 30 to 180 days, and they report to Dun & Bradstreet, Experian, and Equifax. This fact alone, that they report to all the major credit reporting agencies, makes them an extremely valuable tool in building business credit. 

The Other Credit Tiers

After you have 8 or so of these types of accounts reporting payments to your business credit report, you should have a strong enough score to move on to the next tier. We call this the retail credit tier.  They are retailers as well, but offer more traditional credit.  These are credit cards for use at specific stores such as Office Depot or Lowe’s. It is also sometimes referred to as store credit. 

After you have several of these store credit account reporting, you can apply for cards in the fleet credit tier.  These are gas cards with companies such as Shell and Fuelman.  They can be used for fuel and auto repair and maintenance only. 

Lastly, with accounts reporting from all these tiers, you should have a score strong enough to apply for cards from what we call the cash credit tier.  Of course, that is only if you have been making payments consistently on time. 

These are traditional credit cards that are not attached to a specific store or tied down to certain types of purchases.  They can be used for anything and everything.  In addition, they often have better interest rates and nice rewards programs. 

How to Build Business Credit with Bad Personal Credit: Business Credit Monitoring

It is important to keep an eye on your business credit as it grows.  A business credit monitoring service can help.  Not only will you be able to see your score, but you can also see which accounts are reporting.  This will help you know when to move on to the next tier. In addition, you’ll be able to catch mistakes and have them corrected before they can cause too many problems. 

How to Build Business Credit with Bad Personal Credit: Fix Your Personal Credit

Just because you now know how to build business credit with bad personal credit, you shouldn’t let your personal credit stay bad.  Get a free copy of your credit report and take a look at what’s on there. If there are mistakes, fix them. Then, make payments on time.  This is the number one way to build strong credit, both business and personal. 

Get our business credit building checklist and build business credit the fast and easy way.

How to Build Business Credit with Bad Personal Credit: It Is Possible

Build Biz Credit With Bad Personal Credit Suite
If you set up your business to be a separate fundable entity and utilize the vendor credit tier properly, you can definitely build business credit despite bad personal credit.  However, you cannot let your personal credit remain bad. Business credit is great, but many lenders still require a personal guarantee. Most of those will absolutely check personal credit as well.  By having both strong personal and business credit, you open doors to so many more business funding options. In this way, your personal credit is just as much a part of business fundability as business credit is.  

You also need to take some time, while building business credit, to figure out what else affects the fundability of your business.   For example, in addition to how your business is set up, something as simple as a parking ticket or a lien can even affect the fundability of your business. You may be surprised at what else you find out. 


The post How to Build Business Credit with Bad Personal Credit appeared first on Credit Suite.

Tech's Coronavirus Workarounds Have Their Limits

The post Tech's Coronavirus Workarounds Have Their Limits appeared first on Get Funding For Your Business And Ventures.

The post Tech's Coronavirus Workarounds Have Their Limits appeared first on Buy It At A Bargain – Deals And Reviews.

Get Business Credit Cards 0 APR

The Best Business Credit Cards 0 APR

We checked out a lot of business credit cards 0 APR, and did the research for you. So here are our picks.

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

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

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

Business Credit Cards 0 APR Benefits

Perks can vary. So, make certain to pick the perk you would prefer from this array of options.

Get the Greatest Business Credit Cards 0 APR – Pay Zero!

Check out these business credit cards 0 APR.

Capital One® Quicksilver® Card

Take a look at the Capital One® Quicksilver® Card. It features flat-rate rewards of 1.5% on all purchases. There are no limits how many cash back rewards that cardholders can attain. 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 starting the account. And then they have a 14.74 – 24.74% (variable) APR after that. A cash bonus of $150 is available for those who make at least $500 on purchases in 3 months of account opening.

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

On top of that, there is a cash bonus of $150 is offered to cardholders who make at least $500 on purchases within 3 months of account opening.

The card also offers travel accident insurance. And you can 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 then there’s the increased APR after the initial 15 months.

Get it here:

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 through the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can earn unlimited points and points never expire.

For travel rewards, this is one the best business credit cards 0 APR out there.


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

They additionally get trip cancellation coverage, trip delay reimbursement and other perks.

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

Get it here:

JetBlue Plus Card

Take a look at the JetBlue Plus Card for yet 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.


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

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

There is a $99 annual fee for this card.

Get it here:

Discover it® Student Cash Back

Also, make sure to have a look at the Discover it® Student Cash Back which has a 0% APR for an introductory six-month period.

It has no yearly fee. And there is an APR of 14.99 – 23.99% variable on all purchases after the introductory period.

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


Use the card to build personal credit. While this is a personal card as opposed to a small business credit card, for new credit users, their FICO scores will be crucial.

And this credit card offers an excellent way to raise FICO while also getting rewards.

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

In the very 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 although 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:

0% APR Biz credit cards Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Get business credit cards 0 APR and more.

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, get 3% back on hotel, airfare and vacation home rentals. And get 2% back on online purchases.

So, this includes retailers and subscription services like 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 at least $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 yearly are eligible to receive a $50 credit toward online subscription services.


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 anticipates most 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, accrue a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, in a given day.

Get it here:

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

Keep in mind: the $0 yearly 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.

If you have a Costco membership, this is one of the best business credit cards 0 APR out there.

Get it here:

Ink Business Cash℠ Credit Card

Look at the Ink Business Cash ℠ Credit Card. Companies can get cash back with every purchase. Spend $3,000 in the initial three months from account opening. And you’ll earn a $500 bonus cash back.

There is a $0 annual 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 card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.


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

Note: this 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%.

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Biz Credit Cards zero APR Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Get business credit cards 0 APR and more.

SimplyCash Plus Business Credit Card from American Express

Take a look at 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 ends, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.


This card has various 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, get 5% cash back at US office supply stores and on wireless phone services. So, these must be bought from American providers. But this pertains to the initial $50,000 of yearly spending. Then, you get 1% cash back.

You also earn 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 annual spending. Then, you get 1% cash back.

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

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

And, it applies 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:

Business Credit Cards 0 APR Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines. Get business credit cards 0 APR and more.

The Best Business Credit Cards 0 APR for You

Your outright best business credit cards 0 APR will hinge on your credit history and scores.

Only you can select which features you want and need. So make sure to do your homework. What is excellent for you could be catastrophic for other people.

And, as always, make certain to build credit in the recommended order for the best, quickest benefits.




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