OT - Best Business Credit Card?

We've had a company VISA card for many years. It has no annual fees, we
never pay interest -- but we also don't "get" anything out of using it,
either. In the past we've bumped up against the credit limit during the
month, and the company (now called "Chase") has been very slow to increase
the limit. Although they always responded by increasing it as needed,
their recalcitrance to do so has been a mild aggravation.

Now that we've been incorporated in Iowa for over eight years, we're getting
bombarded with dozens of offers for business cards. (8 years must be a
"magic number" for them, like 5000 feet is for runways...) Almost all of
these cards offer "rewards" that vary from "Frequent flyer miles" to
discounts on all sorts of things. Interestingly, almost all the new offers
START with a higher credit limit than our current card offers.

Whose is best? What card do you guys use?
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"

Jay Honeck wrote:

We've had a company VISA card for many years. It has no annual fees, we
never pay interest -- but we also don't "get" anything out of using it,
either. In the past we've bumped up against the credit limit during the
month, and the company (now called "Chase") has been very slow to increase
the limit. Although they always responded by increasing it as needed,
their recalcitrance to do so has been a mild aggravation.

Now that we've been incorporated in Iowa for over eight years, we're getting
bombarded with dozens of offers for business cards. (8 years must be a
"magic number" for them, like 5000 feet is for runways...) Almost all of
these cards offer "rewards" that vary from "Frequent flyer miles" to
discounts on all sorts of things. Interestingly, almost all the new offers
START with a higher credit limit than our current card offers.

Whose is best? What card do you guys use?

If its a business-use only card, then Citi or Chase have good MasterCard
Business Card plans.

If there is a requirement for business use MIS reporting, then Citi
Business MasterCard or American Express Business cards are good.

I'm not a fan of Visa or the plans offered by their banks.

In article raRAf.750624$xm3.129206@attbi_s21,
"Jay Honeck" wrote:


Whose is best? What card do you guys use?
--

AmEx for personal and personal consulting business purchases where I
need a record, because of

* Fairly detailed itemization on bills
* Fairly wide acceptance (overseas and online)
* I have some trust in them

Discover Card for routine personal purchases where record keeping is not
required (although they do supply an itemized monthly statement),
because of a percentage rebate on purchases, which can be take as *cash*
(i.e., a refund check), or applied to subsequent bills.

Don't waste time on any card that offers "discounts" or "credits"
against various assorted "discounted" products which are either (a)
stuff you don't want anyway, or (b) (more often) marked up versions,
often under a slightly modified product number, of items you can buy for
less that the discounted card price in Costco or Walmart anyway.

On Sun, 22 Jan 2006 12:47:49 -0800, AES wrote:

* Fairly wide acceptance (overseas and online)

where overseas? not in Europe, IMHO.

#m
--
If you prick us, do we not bleed? If you tickle us, do we not laugh?
If you poison us, do we not die? And if you wrong us, shall we not revenge?
W. Shakespeare, The Merchant of Venice, Act III, scene I

Jay Honeck wrote:
We've had a company VISA card for many years. It has no annual fees, we
never pay interest -- but we also don't "get" anything out of using it,
either. In the past we've bumped up against the credit limit during the
month, and the company (now called "Chase") has been very slow to increase
the limit. Although they always responded by increasing it as needed,
their recalcitrance to do so has been a mild aggravation.

Now that we've been incorporated in Iowa for over eight years, we're getting
bombarded with dozens of offers for business cards. (8 years must be a
"magic number" for them, like 5000 feet is for runways...) Almost all of
these cards offer "rewards" that vary from "Frequent flyer miles" to
discounts on all sorts of things. Interestingly, almost all the new offers
START with a higher credit limit than our current card offers.

Whose is best? What card do you guys use?

American Expresss, hands down. I use their personal card, but both my
brother and father have the company card, and love it.

American Express, hands down. I use their personal card, but both my
brother and father have the company card, and love it.

Too few businesses accept AMEX for me to consider them. They also extort
more money from the vendors -- which is why we threw them out of the hotel
back in 2002. Even Walgreen's threw them out of all 14,000+ stores in the
U.S. because of their absurdly high rates.

IMHO, unless they change their business model, they will follow "Diner's
Club" into the ash heap of CC history.
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"

Jay Honeck wrote:
American Express, hands down. I use their personal card, but both my
brother and father have the company card, and love it.


Too few businesses accept AMEX for me to consider them. They also extort
more money from the vendors -- which is why we threw them out of the hotel
back in 2002. Even Walgreen's threw them out of all 14,000+ stores in the
U.S. because of their absurdly high rates.

IMHO, unless they change their business model, they will follow "Diner's
Club" into the ash heap of CC history.

I've never had a problem with anyone accepting mine. Personally, I'll
take my business elsewhere if someone doesn't take it...I'd rather use
it than my Visa debit card.

I've never had a problem with anyone accepting mine. Personally, I'll
take my business elsewhere if someone doesn't take it...I'd rather use it
than my Visa debit card.

Apples and oranges.

What's the advantage of AMEX over Visa *credit*, in your mind?
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"

Rachel wrote:
American Express, hands down.
I've never had a problem with anyone accepting mine.

do you travel abroad much? I got rid off my amex years
ago because of that; and in many situations/places, taking
your business elsewhere is not an option...

--Sylvain

Jay Honeck wrote:
I've never had a problem with anyone accepting mine. Personally, I'll
take my business elsewhere if someone doesn't take it...I'd rather use it
than my Visa debit card.


Apples and oranges.

What's the advantage of AMEX over Visa *credit*, in your mind?

Points. My brother somehow managed to get two free airline tickets in
just under a year.

Actually, with my USAA Visa debit card I get cash back at the end of the
year. Sometimes it's though deciding which card to use. However, since
most people aren't eligible to join USAA, I recommend Amex.