This Three-Step Program Can Free You From Debt

National Debt Relief Can Help You Get Out Of Debt As Soon As 2025

  • Reduce Debt

  • Consolidate Payments

  • Be debt free in 24 to 48 months!

Debt is an overwhelming problem for many people. Over 189 million individuals in the United States struggle with unsecured debt, totaling over $900 billion. If you’re struggling with debt, surmounting it can seem almost impossible.

Thankfully, programs exist to help those facing financial problems due to their debt. One company that has programs such as these is National Debt Relief. Founded in 2009, National Debt Relief has helped more than 600,000 clients get out of debt and get their finances back on track. Keep on reading to learn more about National Debt Relief and see if you qualify for savings!

National Debt Relief does just what its name says – they provide debt relief options to consumers on a national level. If you have $10,000 or more of unsecured debt, you may be able to benefit from working with National Debt Relief. Through their individualized relief options, qualified individuals may be able to reduce their debt, consolidate multiple payments into one easy payment, and be free of their debt in as soon as 24 to 48 months! You can get a free, no-obligation consultation to learn more about National Debt Relief and see if their debt relief options are right for you. You can even find out your potential savings without impacting your credit score!

Reducing your Debt with National Debt Relief

So how does National Debt Relief work? After speaking with one of their specialists and explaining your unique financial situation, National Debt Relief will match you with a personalized debt relief option. This is typically debt consolidation, where multiple debts are combined into one, easy-to-manage debt, or reducing the amount of debt that you owe by negotiating with your creditors. National Debt Relief is 100% success-based, meaning that they won’t get paid until you have found a solution for your debt. This means that they need to help you and your creditor agree on new terms for your debt and reduce the amount that you owe, and have you start making payments towards your newly-agreed upon terms. Once these conditions have been met, National Debt Relief may collect a fee of between 15% to 25% of your debt balance at the time at which you enrolled, but this varies by state.

Previous clients of National Debt Relief have saved thousands of dollars, paid off their debts in two to four years, and had their total debt reduced by up to 38%! Multiple success stories can be viewed on their website. It’s important to note that past results are not indicative of future success, and that the savings listed do not include National Debt Relief’s success-based fees. That being said, with 46,954 reviews and a ConsumarAffairs rating of 4.83, National Debt Relief has proven that it has excellent customer service and wants its customers to be successful!

Is Debt Relief Right for You?

To learn more about debt relief, schedule your free, no-obligation consultation now. Just follow the steps below:

Step One: Choose your state.

Step Two: Fill out National Debt Relief’s online consultation form.

Step Three: Figure out how much National Debt Relief can help you save.

Choose Your State:

2023: It Now Makes Sense to Convert Your Home to Solar

Example based on real customer savings

Electricity companies are losing out on thousands of their customers’ dollars thanks to the Solar Saver Program. Because the Federal Solar Tax Credit can allow you to receive thousands of dollars for your solar panel installation, it’s possible for you to get solar panels for your home for as low as $0 down.

Solar energy has long been promoted as an environmentally friendly option, but recent governmental programs have caused the price of solar panel installation to drop drastically. Now solar energy isn’t just a benefit for the environment – it’s also a huge source of savings for American homeowners! The State and Federal governments have worked together to promote solar powered homes and offer thousands of dollars in tax credits to qualified homeowners. This can offset the cost of installing new solar panels by as much as 100%!

Most homeowners don’t realize that thanks to these government rebates and incentives, they can benefit from solar energy for as low as $0 down and $0 out of pocket. To see if you qualify, visit the Solar Saver program, answer a few short questions, and compare current electricity costs with the benefits of going solar.

Am I Eligible to Get Solar Panels for $0 Out of Pocket

Finding out whether or not you qualify is easy, free, and takes just a few minutes! Just follow the steps below:

Step 1: Choose your state below. The following states may qualify for savings.

Step 2: Go to the Solar Saver Program and answer a few short questions.

Step 3: Compare your current electricity bill with your potential savings.

Choose Your State:

Do These Programs Really Work?

Advances in technology and production have made solar panels much more affordable than they were even just ten years ago. Couple that with the Solar Saver Program and going solar has never been this easy or low cost! More than 90 million homes qualify to get solar panels for $0 down, making solar energy available to those who may not have been able to afford it previously. Powering your house with solar energy can let you start saving even more!

If you qualify, you can reduce the cost of installing solar panels to as low as $0 down. Many Americans have already taken advantage of this program and are now saving thousands of dollars each year! Don’t wait until tax incentives have run out – check now to see if you qualify and start saving!

Governmental Program Allows Homeowners to Go Solar For $0 Out of Pocket

2023 Savings When Going Solar Are Better Than Ever Before

Example based on real customer savings

Electricity companies are losing out on thousands of their customers’ dollars thanks to the Solar Saver Program. Because the Federal Solar Tax Credit can allow you to receive thousands of dollars for your solar panel installation, it’s possible for you to get solar panels for your home for as low as $0 down.

Solar energy has long been promoted as an environmentally friendly option, but recent governmental programs have caused the price of solar panel installation to drop drastically. Now solar energy isn’t just a benefit for the environment – it’s also a huge source of savings for American homeowners! The State and Federal governments have worked together to promote solar powered homes and offer thousands of dollars in tax credits to qualified homeowners. This can offset the cost of installing new solar panels by as much as 100%!

Most homeowners don’t realize that thanks to these government rebates and incentives, they can benefit from solar energy for as low as $0 down and $0 out of pocket. To see if you qualify, visit the Solar Saver program, answer a few short questions, and compare current electricity costs with the benefits of going solar.

Do These Programs Really Work?

Advances in technology and production have made solar panels much more affordable than they were even just ten years ago. Couple that with the Solar Saver Program and going solar has never been this easy or low cost! More than 90 million homes qualify to get solar panels for $0 down, making solar energy available to those who may not have been able to afford it previously. Powering your house with solar energy can let you start saving even more!

If you qualify, you can reduce the cost of installing solar panels to as low as $0 down. Many Americans have already taken advantage of this program and are now saving thousands of dollars each year!

Am I Eligible to Get Solar Panels for $0 Out of Pocket

Finding out whether or not you qualify is easy, free, and takes just a few minutes! Just follow the steps below:

Step 1: Choose your state.

Step 2: Go to the Solar Saver Program and answer a few short questions.

Step 3: Compare your current electricity bill with your potential savings.

Choose Your State:

Our Favorite Small Business Credit Cards

Advertising Disclosure

Running a small business is difficult, but when used responsibly, a small business credit card can help make things easier! These cards can allow businesses to get additional perks, earn miles and rewards points, and easily pay their day-to-day expenses. No matter the size of your small business, a business credit card can be a useful tool. Keep on reading to learn more about our favorite small business credit cards!

Our Favorite Intro APR: Ink Business Cash® Credit Card

0% Intro APR for 12 months on new purchases (reg_apr,reg_apr_type thereafter)

  • Annual Fee: $0
  • Intro Offer: $900 Bonus Cash Back if you spend $6,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5% Cash Back on the first $25,000 spent in combined purchases at Office Supply Stores and on Phone Services, Cable, and Internet during each Account Anniversary Year; 2% Cash Back on the first $25,000 spent in Combined Purchases at Restaurants and Gas Stations during each Account Anniversary Year; unlimited 1% Cash Back on other purchases.

The Ink Business Cash® Credit Card allows you to earn 5% cash back on office necessities such as supplies, phone, cable, and internet, on the first $25,000 spent annually, and all for no annual fee! In addition, you can earn 2% cash back on the first $25,000 spent annually at restaurants and gas stations, and an unlimited 1% cash back on other purchases. If you spend $6,000 on eligible purchases during the first 3 months after account opening, you can also earn an additional $900 bonus cash back! Those who are planning on making big purchases for their small businesses may also want to take advantage of their 0% Intro APR for 12 months on new purchases (with reg_apr,reg_apr_type thereafter). The downsides of this card? Those who anticipate spending more than $25,000 may be deterred by the cap, and you have to earn a minimum of 2,000 points before they can be redeemed. But for the amount of rewards you can earn and with no annual fee, the Ink Business Cash® Credit Card is a great choice for small businesses!

Learn More

Our Favorite Intro Offer: The Business Platinum Card® from American Express

120,000 points when you spend $15,000 on eligible purchases during the first 3 months after account opening

  • Annual Fee: $695
  • Rewards: 5x Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com; 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year; 1x point per dollar spent on eligible purchases
  • Other Perks: Airport lounge access; Ability to unlock more than $1,000 in credits annually on a variety of business purchases.

The Business Platinum Card® from American Express is a luxury card that offers impressive perks such as airport lounge access at over 1,400 airports, the ability to unlock more than $1,000 in credits annually on a variety of business purchases, and generous earning capabilities for rewards. If you have to travel frequently for your small business, then getting a business card with great travel rewards such as The Business Platinum Card® from American Express can provide a huge bonus. With The Business Platinum Card® from American Express, you can earn 5x the Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com! Plus you can also earn 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year, and 1x point per dollar spent on eligible purchases. The annual fee is pricy: $695. But with its rewards earning capability and travel perks, The Business Platinum Card® from American Express can turn your work trip from boring to luxury! Terms Apply.

Our Favorite for Credit Card Rewards: American Express® Business Gold Card

4x Membership Rewards® points on the two categories that your business spent the most in each month; 1x points on other purchases

  • Annual Fee: $295 ($375 if application is received on 2/1/24 or later)
  • Intro Offer: 70,000 points if you spend $10,000 on eligible purchases during the first 3 months after account opening.
  • Other Perks: No limit on the amount of points you can earn and points don’t expire as long as your account is in good standing.

The American Express® Business Gold Card matches the spending habits of your business by allowing you to earn 4x the Membership Rewards® points on the two categories that your business spends the most in each month for up to the first $150,000 spent during the calendar year. This is great if your spending habits change frequently and you don’t want to be stuck with a card that doesn’t offer high rewards in certain categories. Plus you can still earn 1x points on other eligible purchases. If you use your rewards points on travel, you can get 25% of your points back if you book eligible flights on American Express Travel (for up to 250,000 points back each calendar year). However, you won’t get points back for non-travel related redemptions, making this card a better choice for those who travel frequently. Terms Apply.

Our Favorite for Travel: Capital One Spark Miles for Business

Unlimited 5x miles on rental cars and hotels booked through Capital One Travel

  • Annual Fee: Waived for the first year, then $95 Annually
  • Intro Offer: 50,000 miles if you spend $4,500 on purchases during the first 3 months after account opening.
  • Other Perks: Miles don’t expire for the life of the account; Free employee cards; Get a statement credit for either the Global Entry Application Fee ($100) or the TSA PreCheck® application fee ($85).

If your business doesn’t spend heavily in any one particular category, then you might want a card with a decent unlimited earning rate with no category restrictions. That’s where the Capital One Spark Miles for Business card shines, with 2x miles on every purchase, everywhere! Plus you can also earn an unlimited 5x miles on rental cars and hotels booked through Capital One Travel. And because miles earned using the Capital One Spark Miles for Business card are flexible, you can redeem them for any travel-related purchase, or transfer them to one of over 15 different loyalty programs! The annual fee for this card is waived for the first year, but after that, it will be $95.

Our Favorite for Rewards Redemption: Ink Business Preferred® Credit Card

Points have 25% more value when redeemed for travel purchase through the Ultimate Rewards portal

  • Annual Fee: $95
  • Intro Offer: 100,000 points if you spend $8,000 on purchases during the first 3 months after account opening.
  • Rewards: 3x Points per $1 spent on the first $150,000 in Travel and other select categories for each account anniversary year; Unlimited 1x Points per $1 spent on all other purchases

With a 25% bonus when you redeem points for travel purchases through the Ultimate Rewards portal, the Ink Business Preferred® Credit Card helps you get even more value from your points! Just the intro offer alone is a value of $1,000 cash back, or $1,250 when redeemed for travel in the Ultimate Rewards portal. This covers the cost of the annual fee more than ten times over! But if travel isn’t your thing, you can still redeem your points for cash back or gift cards. If you want an extra bonus when you redeem your points for travel, consider the Ink Business Preferred® Credit Card!

Learn More

Our Favorite for Annual Fee Refunds: Capital One Spark Cash Plus

Your $150 annual fee is refunded each year that you spend at least $150,000

  • Annual Fee: $150
  • Intro Offer: $1,200 if you spend $30,000 during the first three months after account opening
  • Rewards: Unlimited 5x miles on rental cars and hotels booked through Capital One Travel; Unlimited 2x miles on every purchase, everywhere

The Capital One Spark Cash Plus card allows you to earn an unlimited 5x miles on rental cars and hotels booked through Capital One Travel, plus an unlimited 2x miles on every purchase, everywhere! There are no limits or category restrictions to earning, which makes it a great card for businesses that spend evenly in multiple categories. Plus as an intro offer, you can earn $1,200 if you spend at least $30,000 during the first 3 months after account opening. And if you spend at least $150,000 annually, you get your $150 annual fee refunded! A $150 annual fee is rather mid-range for business credit cards, but getting it refunded is excellent. You’ll have to pay the balance of your Capital One Spark Cash Plus card in full every month; therefore, it has no APR, and may not be the best card for those looking to make large purchases and benefit from an intro APR, or pay the purchases off over time. But with the other perks this card has, it can definitely be a useful spending tool for your business!

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of 5/2/2023; however, some of the offers mentioned may have expired.

Small Business Owner? Don’t Use Your Personal Credit Card for Business Expenses!

Advertising Disclosure

For small business owners, the line between personal expenses and business expenses is blurry. After all, so much of your personal time, money, and effort goes into your business, and your business can be your life! Plus with all of the work that goes into running a small business, it may seem easiest to just use your current credit card for whatever expense becomes necessary to keep your business running. But if you use your personal credit card for business expenses, you could be missing opportunities to earn rewards! Here are the top reasons why you should get a small business credit card.

1. Keeping Track of Business Expenses

Come tax time, it’s important to know which expenses are for your business and which are personal. Your business expenses can be tax deductible, after all! If you’re using the same credit card for both business and personal, it’ll be much harder to separate your finances, and you could end up making a costly mistake. Why take the risk? Getting a small business credit card and using it only for business expenses will keep your accountant happy – and could let you earn rewards at the same time!

2. Building Business Credit

Did you know that businesses have a credit report, just like people do? Getting a small business credit card and using it responsibly helps to build your business’s credit history. This can set your business up for success if you ever need additional credit, want to lease equipment, or buy a building!

3. Rewards Targeted for Businesses

No two businesses are alike, but many businesses have something in common: the necessity for expenses such as office supplies, utilities, advertising, and more! Small business credit cards have unique rewards categories that often target common business expenses. Therefore, using a small business credit card can allow you to earn additional rewards in these categories more than a personal credit card would. Take a look at your budget and see you’re spending in a category that earns big with a small business credit card!

4. Credit Cards for Employees

Depending on the size of your small business, you might need to hire employees. Many business credit card accounts have the option to get employee cards at no additional cost, allowing your employees to make necessary business purchases. You can track employee spending, set credit limits for employees, and more! Giving your own personal credit card to your employees is risky, and doesn’t allow you track spending for individual employees. That’s why it makes sense to get a small business credit card account.

Are you ready to get a small business credit card? Check out some of our favorite options below!

American Express® Business Gold Card

  • Annual Fee: $295 ($375 if application is received on 2/1/24 or later)
  • Intro Offer: 70,000 points if you spend $10,000 on eligible purchases during the first 3 months after account opening.
  • Rewards: 4x Membership Rewards® points on the two categories that your business spent the most in each month; 1x points on other purchases
  • Other Perks: No limit on the amount of points you can earn and points don’t expire as long as your account is in good standing.

The American Express® Business Gold Card matches the spending habits of your business by allowing you to earn 4x the Membership Rewards® points on the two categories that your business spends the most in each month for up to the first $150,000 spent during the calendar year. This is great if your spending habits change frequently and you don’t want to be stuck with a card that doesn’t offer high rewards in certain categories. Plus you can still earn 1x points on other eligible purchases. If you use your rewards points on travel, you can get 25% of your points back if you book eligible flights on American Express Travel (for up to 250,000 points back each calendar year). However, you won’t get points back for non-travel related redemptions, making this card a better choice for those who travel frequently. Terms Apply.

The Business Platinum Card® from American Express

  • Annual Fee: $695
  • Intro Offer: 120,000 points when you spend $15,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5x Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com; 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year; 1x point per dollar spent on eligible purchases
  • Other Perks: Airport lounge access; Ability to unlock more than $1,000 in credits annually on a variety of business purchases.

The Business Platinum Card® from American Express is a luxury card that offers impressive perks such as airport lounge access at over 1,400 airports, the ability to unlock more than $1,000 in credits annually on a variety of business purchases, and generous earning capabilities for rewards. If you have to travel frequently for your small business, then getting a business card with great travel rewards such as The Business Platinum Card® from American Express can provide a huge bonus. With The Business Platinum Card® from American Express, you can earn 5x the Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com! Plus you can also earn 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year, and 1x point per dollar spent on eligible purchases. The annual fee is pricy: $695. But with its rewards earning capability and travel perks, The Business Platinum Card® from American Express can turn your work trip from boring to luxury! Terms Apply.

Ink Business Cash® Credit Card

  • Annual Fee: $0
  • Intro Offer: $900 Bonus Cash Back if you spend $6,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5% Cash Back on the first $25,000 spent in combined purchases at Office Supply Stores and on Phone Services, Cable, and Internet during each Account Anniversary Year; 2% Cash Back on the first $25,000 spent in Combined Purchases at Restaurants and Gas Stations during each Account Anniversary Year; unlimited 1% Cash Back on other purchases.
  • Other Perks: 0% Intro APR for 12 months on new purchases (with reg_apr,reg_apr_type thereafter)

The Ink Business Cash® Credit Card allows you to earn 5% cash back on office necessities such as supplies, phone, cable, and internet, on the first $25,000 spent annually, and all for no annual fee! In addition, you can earn 2% cash back on the first $25,000 spent annually at restaurants and gas stations, and an unlimited 1% cash back on other purchases. If you spend $6,000 on eligible purchases during the first 3 months after account opening, you can also earn an additional $900 bonus cash back! Those who are planning on making big purchases for their small businesses may also want to take advantage of their 0% Intro APR for 12 months on new purchases (with reg_apr,reg_apr_type thereafter). The downsides of this card? Those who anticipate spending more than $25,000 may be deterred by the cap, and you have to earn a minimum of 2,000 points before they can be redeemed. But for the amount of rewards you can earn and with no annual fee, the Ink Business Cash® Credit Card is a great choice for small businesses!

Learn More

Capital One Spark Miles for Business

  • Annual Fee: Waived for the first year, then $95 Annually
  • Intro Offer: 50,000 miles if you spend $4,500 on purchases during the first 3 months after account opening.
  • Rewards: Unlimited 5x miles on rental cars and hotels booked through Capital One Travel; Unlimited 2x miles on every purchase, everywhere
  • Other Perks: Miles don’t expire for the life of the account; Free employee cards; Get a statement credit for either the Global Entry Application Fee ($100) or the TSA PreCheck® application fee ($85).

If your business doesn’t spend heavily in any one particular category, then you might want a card with a decent unlimited earning rate with no category restrictions. That’s where the Capital One Spark Miles for Business card shines, with 2x miles on every purchase, everywhere! Plus you can also earn an unlimited 5x miles on rental cars and hotels booked through Capital One Travel. And because miles earned using the Capital One Spark Miles for Business card are flexible, you can redeem them for any travel-related purchase, or transfer them to one of over 15 different loyalty programs! The annual fee for this card is waived for the first year, but after that, it will be $95.

Ink Business Preferred® Credit Card

  • Annual Fee: $95
  • Intro Offer: 100,000 points if you spend $8,000 on purchases during the first 3 months after account opening.
  • Rewards: 3x Points per $1 spent on the first $150,000 in Travel and other select categories for each account anniversary year; Unlimited 1x Points per $1 spent on all other purchases
  • Other Perks: Points have 25% more value when redeemed for travel purchase through the Ultimate Rewards portal

With a 25% bonus when you redeem points for travel purchases through the Ultimate Rewards portal, the Ink Business Preferred® Credit Card helps you get even more value from your points! Just the intro offer alone is a value of $1,000 cash back, or $1,250 when redeemed for travel in the Ultimate Rewards portal. This covers the cost of the annual fee more than ten times over! But if travel isn’t your thing, you can still redeem your points for cash back or gift cards. If you want an extra bonus when you redeem your points for travel, consider the Ink Business Preferred® Credit Card!

Learn More

Capital One Spark Cash Plus

  • Annual Fee: $150
  • Intro Offer: $1,200 if you spend $30,000 during the first three months after account opening
  • Rewards: Unlimited 5x miles on rental cars and hotels booked through Capital One Travel; Unlimited 2x miles on every purchase, everywhere
  • Other Perks: Your $150 annual fee is refunded each year that you spend at least $150,000; Free employee cards

The Capital One Spark Cash Plus card allows you to earn an unlimited 5x miles on rental cars and hotels booked through Capital One Travel, plus an unlimited 2x miles on every purchase, everywhere! There are no limits or category restrictions to earning, which makes it a great card for businesses that spend evenly in multiple categories. Plus as an intro offer, you can earn $1,200 if you spend at least $30,000 during the first 3 months after account opening. And if you spend at least $150,000 annually, you get your $150 annual fee refunded! A $150 annual fee is rather mid-range for business credit cards, but getting it refunded is excellent. You’ll have to pay the balance of your Capital One Spark Cash Plus card in full every month; therefore, it has no APR, and may not be the best card for those looking to make large purchases and benefit from an intro APR, or pay the purchases off over time. But with the other perks this card has, it can definitely be a useful spending tool for your business!

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of 5/2/2023; however, some of the offers mentioned may have expired.

2023’s Top Small Business Credit Cards

Advertising Disclosure

Running a small business is difficult, but when used responsibly, a small business credit card can help make things easier! These cards can allow businesses to get additional perks, earn miles and rewards points, and easily pay their day-to-day expenses. No matter the size of your small business, a business credit card can be a useful tool. Keep on reading to learn more about our favorite small business credit cards!

Capital One Spark Miles for Business

  • Annual Fee: Waived for the first year, then $95 Annually
  • Intro Offer: 50,000 miles if you spend $4,500 on purchases during the first 3 months after account opening.
  • Rewards: Unlimited 5x miles on rental cars and hotels booked through Capital One Travel; Unlimited 2x miles on every purchase, everywhere
  • Other Perks: Miles don’t expire for the life of the account; Free employee cards; Get a statement credit for either the Global Entry Application Fee ($100) or the TSA PreCheck® application fee ($85).

If your business doesn’t spend heavily in any one particular category, then you might want a card with a decent unlimited earning rate with no category restrictions. That’s where the Capital One Spark Miles for Business card shines, with 2x miles on every purchase, everywhere! Plus you can also earn an unlimited 5x miles on rental cars and hotels booked through Capital One Travel. And because miles earned using the Capital One Spark Miles for Business card are flexible, you can redeem them for any travel-related purchase, or transfer them to one of over 15 different loyalty programs! The annual fee for this card is waived for the first year, but after that, it will be $95.

The Business Platinum Card® from American Express

  • Annual Fee: $695
  • Intro Offer: 120,000 points when you spend $15,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5x Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com; 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year; 1x point per dollar spent on eligible purchases
  • Other Perks: Airport lounge access; Ability to unlock more than $1,000 in credits annually on a variety of business purchases.

The Business Platinum Card® from American Express is a luxury card that offers impressive perks such as airport lounge access at over 1,400 airports, the ability to unlock more than $1,000 in credits annually on a variety of business purchases, and generous earning capabilities for rewards. If you have to travel frequently for your small business, then getting a business card with great travel rewards such as The Business Platinum Card® from American Express can provide a huge bonus. With The Business Platinum Card® from American Express, you can earn 5x the Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com! Plus you can also earn 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year, and 1x point per dollar spent on eligible purchases. The annual fee is pricy: $695. But with its rewards earning capability and travel perks, The Business Platinum Card® from American Express can turn your work trip from boring to luxury! Terms Apply.

Ink Business Cash® Credit Card

  • Annual Fee: $0
  • Intro Offer: $900 Bonus Cash Back if you spend $6,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5% Cash Back on the first $25,000 spent in combined purchases at Office Supply Stores and on Phone Services, Cable, and Internet during each Account Anniversary Year; 2% Cash Back on the first $25,000 spent in Combined Purchases at Restaurants and Gas Stations during each Account Anniversary Year; unlimited 1% Cash Back on other purchases.
  • Other Perks: 0% Intro APR for 12 months on new purchases (reg_apr,reg_apr_type thereafter)

The Ink Business Cash® Credit Card allows you to earn 5% cash back on office necessities such as supplies, phone, cable, and internet, on the first $25,000 spent annually, and all for no annual fee! In addition, you can earn 2% cash back on the first $25,000 spent annually at restaurants and gas stations, and an unlimited 1% cash back on other purchases. If you spend $6,000 on eligible purchases during the first 3 months after account opening, you can also earn an additional $900 bonus cash back! Those who are planning on making big purchases for their small businesses may also want to take advantage of their 0% Intro APR for 12 months on new purchases (with reg_apr,reg_apr_type thereafter). The downsides of this card? Those who anticipate spending more than $25,000 may be deterred by the cap, and you have to earn a minimum of 2,000 points before they can be redeemed. But for the amount of rewards you can earn and with no annual fee, the Ink Business Cash® Credit Card is a great choice for small businesses!

Learn More

American Express® Business Gold Card

  • Annual Fee: $295 ($375 if application is received on 2/1/24 or later)
  • Intro Offer: 70,000 points if you spend $10,000 on eligible purchases during the first 3 months after account opening.
  • Rewards: 4x Membership Rewards® points on the two categories that your business spent the most in each month; 1x points on other purchases
  • Other Perks: No limit on the amount of points you can earn and points don’t expire as long as your account is in good standing.

The American Express® Business Gold Card matches the spending habits of your business by allowing you to earn 4x the Membership Rewards® points on the two categories that your business spends the most in each month for up to the first $150,000 spent during the calendar year. This is great if your spending habits change frequently and you don’t want to be stuck with a card that doesn’t offer high rewards in certain categories. Plus you can still earn 1x points on other eligible purchases. If you use your rewards points on travel, you can get 25% of your points back if you book eligible flights on American Express Travel (for up to 250,000 points back each calendar year). However, you won’t get points back for non-travel related redemptions, making this card a better choice for those who travel frequently. Terms Apply.

Ink Business Preferred® Credit Card

  • Annual Fee: $95
  • Intro Offer: 100,000 points if you spend $8,000 on purchases during the first 3 months after account opening.
  • Rewards: 3x Points per $1 spent on the first $150,000 in Travel and other select categories for each account anniversary year; Unlimited 1x Points per $1 spent on all other purchases
  • Other Perks: Points have 25% more value when redeemed for travel purchase through the Ultimate Rewards portal

With a 25% bonus when you redeem points for travel purchases through the Ultimate Rewards portal, the Ink Business Preferred® Credit Card helps you get even more value from your points! Just the intro offer alone is a value of $1,000 cash back, or $1,250 when redeemed for travel in the Ultimate Rewards portal. This covers the cost of the annual fee more than ten times over! But if travel isn’t your thing, you can still redeem your points for cash back or gift cards. If you want an extra bonus when you redeem your points for travel, consider the Ink Business Preferred® Credit Card!

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Capital One Spark Cash Plus

  • Annual Fee: $150
  • Intro Offer: $1,200 if you spend $30,000 during the first three months after account opening
  • Rewards: Unlimited 5x miles on rental cars and hotels booked through Capital One Travel; Unlimited 2x miles on every purchase, everywhere
  • Other Perks: Your $150 annual fee is refunded each year that you spend at least $150,000; Free employee cards

The Capital One Spark Cash Plus card allows you to earn an unlimited 5x miles on rental cars and hotels booked through Capital One Travel, plus an unlimited 2x miles on every purchase, everywhere! There are no limits or category restrictions to earning, which makes it a great card for businesses that spend evenly in multiple categories. Plus as an intro offer, you can earn $1,200 if you spend at least $30,000 during the first 3 months after account opening. And if you spend at least $150,000 annually, you get your $150 annual fee refunded! A $150 annual fee is rather mid-range for business credit cards, but getting it refunded is excellent. You’ll have to pay the balance of your Capital One Spark Cash Plus card in full every month; therefore, it has no APR, and may not be the best card for those looking to make large purchases and benefit from an intro APR, or pay the purchases off over time. But with the other perks this card has, it can definitely be a useful spending tool for your business!

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of 4/28/2023; however, some of the offers mentioned may have expired.

The Secret Weapon for Your Business’s Finances

Advertising Disclosure

For business owners who want to master rewards for travel and office expenses, the Business Platinum Card® from American Express is a secret weapon!

Benefit Summary:

  • Get 120,000 Membership Rewards® points when you spend $15,000 on eligible purchases during the first 3 months after account opening.
  • Earn 5x Membership Rewards® points on prepaid hotels and flights at AmexTravel.com, and 1x points per dollar spent on eligible purchases.
  • Get more than $1,000 in annual statement credits on a variety of business purchases, such as purchases from Dell Technologies, Indeed, Adobe, and more!
  • Unlock up to $200 in statement credits at one selected airline each calendar year for checked bags and more!
  • Access over 1,400 luxury airport lounges throughout 140 different countries.

Business owners looking for a credit card are going to want to seriously consider the Business Platinum Card® from American Express. This card boasts huge rewards and credit opportunities, plus an impressive intro offer and other perks. With the ability to earn 120,000 points if you spend $15,000 during the first three months after opening your account, your credit card rewards can start off with a bang!

The Business Platinum Card® from American Express

  • Annual Fee: $695
  • Intro Offer: 120,000 points when you spend $15,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5x Membership Rewards® points on prepaid hotels and flights booked on AmexTravel.com; 1.5x points on eligible purchases of $5,000 or more everywhere, or at US construction material and hardware suppliers, shipping providers, and electronic goods retailers and software and cloud system providers, for up to $2 million on purchases per year; 1x point per dollar spent on eligible purchases. Terms Apply.

Why We Like This Card

The Business Platinum Card® from American Express was specifically designed for business owners who travel frequently. This means that it has big earning opportunities in both office supply as well as travel categories. In fact, you can earn 5x Membership Rewards® points on prepaid hotels and flights at AmexTravel.com, as well as 1.5x Membership Rewards® points on eligible purchases made at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, shipping providers, and purchases of $5,000 or more anywhere else, for up to $2 million each year! If you spend a lot in these categories, then using the Business Platinum Card® from American Express can help you earn rewards that you can spend in a variety of ways.

Learn More about the Business Platinum Card® from American Express

But that’s not all – you can also earn 1x points per one dollar spent on other eligible purchases. Your earning capabilities aren’t limited to the above categories! Rest easy knowing that by using your Business Platinum Card® from American Express for eligible expenses, you’re earning rewards to further help your business.

If you choose to redeem your points for flights with a selected qualifying airline, you can also get a 35% bonus on your points! You can do this for up to 1,000,000 bonus points each calendar year if you book at AmexTravel.com. You can also change your selected airline each year, giving you the freedom and flexibility to use your preferred airline. With all the ways to earn rewards points, it’s no wonder why Business Platinum Card® from American Express is one of our favorites!

Recommended Credit Score

Because of the benefits that the Business Platinum Card® from American Express has, its recommended credit score is Good to Excellent. This is typically in the 670 to 850 range. Having a better credit score can allow you to apply for cards with better features, such as lower APRs, rewards, and other perks. When you apply for a business credit card, you can start building up your business’s credit history and open up opportunities for other credit lines in the future (as long as you use your business credit card responsibly).

Quick Review

Small business owners looking for big earning opportunities in travel and office supply credit card rewards categories will be thrilled to find the Business Platinum Card® from American Express! This card allows you to earn 5x Membership Rewards® points on prepaid hotels and flights at AmexTravel.com and 1.5x Membership Rewards® points on eligible purchases made at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, shipping providers, and purchases of $5,000 or more anywhere else (for up to $2 million per year). Plus with other rewards earning opportunities and annual statement credits, the Business Platinum Card® from American Express can definitely cover the cost of its annual fee.

Other Business Credit Cards

Want to consider your options? Here are some other great cards for small businesses! These cards have sizable rewards and intro offers, plus other business perks.

Ink Business Cash® Credit Card

  • Annual Fee: $0
  • Intro Offer: $900 Bonus Cash Back if you spend $6,000 on eligible purchases during the first 3 months after account opening
  • Rewards: 5% Cash Back on the first $25,000 spent in combined purchases at Office Supply Stores and on Phone Services, Cable, and Internet during each Account Anniversary Year; 2% Cash Back on the first $25,000 spent in Combined Purchases at Restaurants and Gas Stations during each Account Anniversary Year; unlimited 1% Cash Back on other purchases.
  • Other Perks: 0% Intro APR for 12 months on new purchases (with reg_apr,reg_apr_type thereafter)

The Ink Business Cash® Credit Card allows you to earn 5% cash back on office necessities such as supplies, phone, cable, and internet, on the first $25,000 spent annually, and all for no annual fee! In addition, you can earn 2% cash back on the first $25,000 spent annually at restaurants and gas stations, and an unlimited 1% cash back on other purchases. If you spend $6,000 on eligible purchases during the first 3 months after account opening, you can also earn an additional $900 bonus cash back! Those who are planning on making big purchases for their small businesses may also want to take advantage of their 0% Intro APR for 12 months on new purchases (with reg_apr,reg_apr_type thereafter). The downsides of this card? Those who anticipate spending more than $25,000 may be deterred by the cap, and you have to earn a minimum of 2,000 points before they can be redeemed. But for the amount of rewards you can earn and with no annual fee, the Ink Business Cash® Credit Card is a great choice for small businesses!

Learn More

American Express® Business Gold Card

  • Annual Fee: $295 ($375 if application is received on 2/1/24 or later)
  • Intro Offer: 70,000 points if you spend $10,000 on eligible purchases during the first 3 months after account opening.
  • Rewards: 4x Membership Rewards® points on the two categories that your business spent the most in each month; 1x points on other purchases
  • Other Perks: No limit on the amount of points you can earn and points don’t expire as long as your account is in good standing.

The American Express® Business Gold Card matches the spending habits of your business by allowing you to earn 4x the Membership Rewards® points on the two categories that your business spends the most in each month for up to the first $150,000 spent during the calendar year. This is great if your spending habits change frequently and you don’t want to be stuck with a card that doesn’t offer high rewards in certain categories. Plus you can still earn 1x points on other eligible purchases. If you use your rewards points on travel, you can get 25% of your points back if you book eligible flights on American Express Travel (for up to 250,000 points back each calendar year). However, you won’t get points back for non-travel related redemptions, making this card a better choice for those who travel frequently. Terms Apply.

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of 3/23/2023; however, some of the offers mentioned may have expired.

If You’re 50 or Older, You Can’t Afford to Make These Mistakes (Plus Tips to Save For the Future)

We may receive compensation when you use the links provided. It’s how we’re able to provide free editorial content for you and other readers. Our opinions are always our own and we hope you enjoy our article.

If you’re in your 50s, chances are you’ve made your share of mistakes in your lifetime. These experiences can help you learn and better prepare for the future. But as retirement and other big milestone events draw near, there are some mistakes that you simply cannot afford! Here are some tips to save up for the future and avoid critical financial mistakes.

1. Don’t Leave Your Finances Up to Chance

Consult with a top-rated financial advisor to come up with a financial plan!

In today’s world, we rely on the knowledge of others to better our own lives. From avoiding products that have 1-star reviews to looking up cooking tutorials and recipes, we turn to expert knowledge and experience for guidance. Why, then, do so many people do their own finances with minimal research or outside help? Or worse – ignore their financial futures completely?

Many Americans wrongly assume that financial advisors are expensive and charge fees for services that people can just do themselves. However, most financial advisors are much more affordable than people think, and provide suggestions and resources that can be worth more than their actual fee.

To help everyday consumers find financial advisors, we’ve vetted top advisors from all over the country and engineered a free quiz to match consumers with advisors based on pricing, specialties, and more! After answering some easy questions about your current financial situation, you’ll be matched with financial advisors that have been pre-screened to fulfill your needs. You’ll then have the ability to compare your matches and even contact them for a free evaluation, giving you the ability to choose the advisor that works best for you!

Don’t wait – compare financial advisors today and take better care of your finances!

2. Don’t Leave Your Family With Nothing

Instead, protect them by leaving them with up to $5 Million Dollars!

As the saying goes – hope for the best, prepare for the worst. What would happen to your family if something happened to you? Could your family survive without your income, or would they be left struggling with finances in the midst of dealing with grief and loss?

It’s one of those things that we hope never happens, but if the worst did happen, it’s important that your family is protected. That’s where life insurance can help. With Fabric Life Insurance, you can get covered for anywhere from $100,000 up to $5,00,000, with term lengths that last from 10 to 30 years. These plans can be as low as $7.86 per month – and the peace of mind that comes with it is well worth it.

Waiting to get life insurance isn’t typically a good plan – the cost for life insurance increases the older you get, and you never know what tomorrow will bring. Why risk it? You can take a quiz to see if life insurance is right for you and start learning more now!

3. Don’t Miss Out on Mortgage Savings

Compare rates now to see if you could save hundreds or thousands by refinancing!

If you got your mortgage when rates were higher, you could be losing out on savings by not refinancing!

Refinancing to a lower interest rate or reducing your term can help you save money each month and even pay off your loan faster. This could mean hundreds or even thousands of extra dollars in your pocket over the life of your mortgage.

If you’re considering refinancing, start shopping for mortgage rates today and see what you qualify for. Be sure to compare lenders in order to find the rate that works best for you. There’s no obligation, and comparing rates is free and easy! Start searching now!

4. Don’t Break Your Budget Online Shopping

Download this free browser extension to be automatically notified of better prices!

Shopping online is easy and convenient, but it often leaves you wondering whether or not you’re getting the best price.

Thankfully, this service helps stop you from overpaying online! It automatically searches other websites for the items you’re shopping for, and alerts you if it finds a better price somewhere else. It even accounts for shipping fees and delivery times! You can also use it to find coupon codes, view price history, and get price-drop alerts if you want to wait until the item is cheaper to purchase.

The best part? It’s completely free! All you have to do is download it on your browser and continue online shopping as you normally would. If you get a price comparison alert, you can view the item on the other website and decide whether or not you want to save!

Why wait? Stop overpaying while shopping online now!

5. Don’t Accept Costly Auto Insurance

Search for better car insurance now and start saving!

How long have you had your current auto insurance?

While some auto insurance companies offer discounts for loyalty, many others will keep you paying the same rate or even raise your premiums if you’re not careful. That’s why it’s always smart to compare your current policy to new offers, to make sure you’re getting the best deal.

Even if you don’t have any auto insurance yet but are in the market for auto insurance, comparing today’s offers could help you find a plan that offers great coverage for a low cost.

Click here to start comparing auto insurance companies now!

These Companies Can Help You Save – Just Ask!

We may receive compensation when you use the links provided.

Bargain hunting can be time-consuming, confusing, and sometimes down-right frustrating! Wouldn’t it be easier if companies came to you, offering low prices and great deals? Here’s a secret – they will, if you just ask! Banks, insurance companies, and more all want your business, and with a few easy steps, you can get them to show you amazing deals! Keep on reading to learn how.

This Company Can Help Pay Your Credit Card Bill

Not just part of your bill. Your entire bill!

Credit card debt is one of the most expensive types of debts there is! That means that while you’re struggling to pay, your credit card company is getting rich. But with Fiona, you could pay your bill as fast as the next day!

Fiona works by matching you with a low-interest personal loan that you can use to pay off credit card debt and pay your credit card bills. This leaves you with just one bill to pay instead of multiple, and with a lower interest rate, you can pay off your debt sooner and save money!

With rates as low as 5.99%, a fast and easy online application, and over 100 providers, Fiona could help you save on your credit card bills asap!

Stop Overspending with this Free Money-Saving Tool

Online shopping just got a whole lot better thanks to this new way to find instant savings!

If you’re feeling the strain of inflation and increased prices (and let’s be honest – who isn’t feeling that strain?), then you’ll be happy to hear that insider experts have developed a tool to instantly compare prices and get the best available deal! Major retailers will need to match these prices in order to keep customers.

And the best part? This tool is completely free and available for everyone to use!

To start getting the best available prices, all you need to do is shop as you normally would after installing Capital One Shopping onto your browser. This free extension will search other websites as you shop, and notify you if it finds better prices. It’ll show you the exact same product you’re searching for, but with a better price! And if no better price can be found, it will let you know you already have the best available deal.

Capital One Shopping has saved its customers millions of dollars, and it only takes a few seconds to install. Try it out, and if you don’t like it, you can easily uninstall the extension. It’s completely free, so there’s no reason to wait.

Save On Your Car Insurance

How long have you had your current auto insurance?

While some auto insurance companies offer discounts for loyalty, many others will keep you paying the same rate or even raise your premiums if you’re not careful. That’s why it’s always smart to compare your current policy to new offers, to make sure you’re getting the best deal.

Even if you don’t have any auto insurance yet but are in the market for auto insurance, comparing today’s offers could help you find a plan that offers great coverage for a low cost. Click here to start comparing auto insurance companies now!

Let Your Money Work For You with a High Yield Savings Account

Are you keeping your money in a savings account that earns just a few cents a year (or maybe a dollar, if you’re really lucky?) Or maybe you have a checking account that doesn’t earn any interest at all?

You can do better!

High yield savings accounts are a risk-free way to grow your money, and many have other perks, such as no monthly maintenance fees, sign up bonuses, and more! Click here to start comparing bank accounts and find one that’s right for you!

Get Cash Each Month Without a Monthly Mortgage Payment

If you’re 62 or older, you can utilize a Reverse Mortgage to help finance your retirement!

With a reverse mortgage, you can borrow from the equity in your home and use the funds however you wish.

If you’ve paid off all or most of your mortgage, then you could be sitting on a gold mine of equity. A reverse mortgage allows you to access that equity in either a lump sum, fixed payment amount, or a line of credit.

Even better, there’s no monthly payment to the lender required, and the loan only has to be repaid when the last borrower sells the house, moves out, or dies.

Planning to utilize a reverse mortgage can help add additional cash to fund your retirement. You can click here to see if a reverse mortgage is right for you!

Try This Money-Saving Trick Before You Renew Amazon Prime

We may receive compensation when you use the links provided.

Online shopping just got a whole lot better thanks to this new way to find instant savings!

If you’re feeling the strain of inflation and increased prices (and let’s be honest – who isn’t feeling that strain?), then you’ll be happy to hear that insider experts have developed a tool to instantly compare prices and get the best available deal! Major retailers will need to match these prices in order to keep customers.

And the best part? This tool is completely free and available for everyone to use!

Keep on reading to see if you can save money while online shopping!

Found 03/10/2023. Sample results shown. Savings may vary.

To start getting the best available prices, all you need to do is shop as you normally would after installing Capital One Shopping onto your browser. This free extension will search other websites as you shop, and notify you if it finds better prices. It’ll show you the exact same product you’re searching for, but with a better price! And if no better price can be found, it will let you know you already have the best available deal.

Capital One Shopping has saved its customers millions of dollars, and it only takes a few seconds to install. Try it out, and if you don’t like it, you can easily uninstall the extension. It’s completely free, so there’s no reason to wait!