Earn 5% Cash Back on gasoline, office supplies, computer equipment, utilities, cell phones and internet services, and 1% on all other purchases. Up to $300/yr.
To enter a coupon code in your post please enter the following info:
Coupon Code:
Coupon Offer:
Merchant:
Expires (optional):
Restrictions (optional):
saving...
Read the entire T&Cs VERY CAREFULLY, heres a partial excerpt From the Advanta site:
"Your Request for Credit: The person (the "Signing Individual") whose name appears on an Advanta Bank Corp. ("ABC") credit application or invitation response (the "Application"), by submitting the Application, (1) represents that he/she is at least 18 years of age, a U.S. citizen or permanent legal U.S. resident, and either a proprietor or an authorized representative, partner, officer, or agent of the business identified in the Application (the "Business"); (2) agrees for him/herself individually and on behalf of the Business to be bound by the terms and conditions of the Advanta Business Card Agreement (the "Card Agreement") which, if and when issued, will be mailed with one or more requested credit cards (each, a "Card"); and (3) requests that ABC establish an Advanta Business Card account and issue Cards on the account to the Signing Individual and to each additional person (if any) for whom a Card is requested. The Signing Individual further acknowledges and agrees that: (i) all information provided in the Application or otherwise in connection with the request for credit is complete and correct; (ii) by using any Card or the account, the Signing Individual and the Business each agree to be bound by the terms of the Card Agreement; "
Message edited by: didYOUsearch on 2005-06-23 02:31:22
I don't think it says you have to be a business OWNER anywhere. The application form doesn't ask for a tax id and I think the business box is optional. Supposedly the rewards are for "business" purchases, but I'm pretty sure they won't care what u use your stuff for. They denied me already though. Could be because I am unemployed.
vkl168 said:I signed up about 10 days ago and received my card today. You don't need to have your own business to get the card.really? what did you state on the APP to get the card? This is a BUSINESS CARD.
Did you make up a fake business, represent that you can get cards for your employer, ???
really? what did you state on the APP to get the card? This is a BUSINESS CARD.
Did you make up a fake business, represent that you can get cards for your employer, ???
I did not make up a fake business. I put down my employer information. I got the pre-approved offer to my home address. The advertise the card as "Now you can get personal rewards for your business expenses.. FREE!" So you don't need to own a business to get the card.
vkl168 said: really? what did you state on the APP to get the card? This is a BUSINESS CARD.
Did you make up a fake business, represent that you can get cards for your employer, ???
I did not make up a fake business. I put down my employer information. I got the pre-approved offer to my home address. The advertise the card as "Now you can get personal rewards for your business expenses.. FREE!" So you don't need to own a business to get the card.
Same deal here - got an offer in the mail, started to sign up on-line, but quit before I was done. One of their reps called be back to see why I didn't complete the application. I told him I was a little unsure, being a Business card and all. Turns out you don't need to be a business owner, being an employee of a business qualifys you too. Went ahead and completed the application on the phone. BTW - the mailed offer had two choices for Cash Back, one gave 5% back on Airfare, Hotels, Dining, Gas - that's the one I took. I don't have the printed offer anymore, threw it away, but if anyone has it, the URL that was included on the printed offer would allow you to sign up for either of the offers - even if you had "lost" your offer code, you could still choose the Cash Back plan you wanted and sign-up on line if you had the correct URL.
crash22 said:vkl168 said: really? what did you state on the APP to get the card? This is a BUSINESS CARD.
Did you make up a fake business, represent that you can get cards for your employer, ???
I did not make up a fake business. I put down my employer information. I got the pre-approved offer to my home address. The advertise the card as "Now you can get personal rewards for your business expenses.. FREE!" So you don't need to own a business to get the card.
Same deal here - got an offer in the mail, started to sign up on-line, but quit before I was done. One of their reps called be back to see why I didn't complete the application. I told him I was a little unsure, being a Business card and all. Turns out you don't need to be a business owner, being an employee of a business qualifys you too..
Be very careful and dont rely on what CSRs tell you. Read the T&Cs VERY CAREFULLY. Excerpt From the Advanta site:
"Your Request for Credit: The person (the "Signing Individual") whose name appears on an Advanta Bank Corp. ("ABC") credit application or invitation response (the "Application"), by submitting the Application, (1) represents that he/she is at least 18 years of age, a U.S. citizen or permanent legal U.S. resident, and either a proprietor or an authorized representative, partner, officer, or agent of the business identified in the Application (the "Business"); (2) agrees for him/herself individually and on behalf of the Business to be bound by the terms and conditions of the Advanta Business Card Agreement (the "Card Agreement") which, if and when issued, will be mailed with one or more requested credit cards (each, a "Card"); and (3) requests that ABC establish an Advanta Business Card account and issue Cards on the account to the Signing Individual and to each additional person (if any) for whom a Card is requested. The Signing Individual further acknowledges and agrees that: (i) all information provided in the Application or otherwise in connection with the request for credit is complete and correct; (ii) by using any Card or the account, the Signing Individual and the Business each agree to be bound by the terms of the Card Agreement; "
++++++++++++++++++++++++++++
Just being "Joe Schmo tech guy whose employer is Microsoft" doesnt mean you can start opening Microsoft credit lines, regardless of whether Advanta lets you do it! Business cards are available to employees who possess the AUTHORITY to obligate the business to repay the debt (ie Owner/President/etc) . Advanta may be lazy in who they are allowing to open credit lines, but you better be CERTAIN about what you are applying for - you can easily lose your job if your company catches wind of this. Doesnt matter that the application came to your house.
After entering the invitation code, I was taken to an application form. There was a check box on the form for an option to apply for credit as an individual, not via my company.
BTW, I was not given an option to put the business name on the card when I did my application.
didYOUsearch said:crash22 said:vkl168 said: really? what did you state on the APP to get the card? This is a BUSINESS CARD.
Did you make up a fake business, represent that you can get cards for your employer, ???
I did not make up a fake business. I put down my employer information. I got the pre-approved offer to my home address. The advertise the card as "Now you can get personal rewards for your business expenses.. FREE!" So you don't need to own a business to get the card.
Same deal here - got an offer in the mail, started to sign up on-line, but quit before I was done. One of their reps called be back to see why I didn't complete the application. I told him I was a little unsure, being a Business card and all. Turns out you don't need to be a business owner, being an employee of a business qualifys you too..
Be very careful and dont rely on what CSRs tell you. Read the T&Cs VERY CAREFULLY. Excerpt From the Advanta site:
"Your Request for Credit: The person (the "Signing Individual") whose name appears on an Advanta Bank Corp. ("ABC") credit application or invitation response (the "Application"), by submitting the Application, (1) represents that he/she is at least 18 years of age, a U.S. citizen or permanent legal U.S. resident, and either a proprietor or an authorized representative, partner, officer, or agent of the business identified in the Application (the "Business"); (2) agrees for him/herself individually and on behalf of the Business to be bound by the terms and conditions of the Advanta Business Card Agreement (the "Card Agreement") which, if and when issued, will be mailed with one or more requested credit cards (each, a "Card"); and (3) requests that ABC establish an Advanta Business Card account and issue Cards on the account to the Signing Individual and to each additional person (if any) for whom a Card is requested. The Signing Individual further acknowledges and agrees that: (i) all information provided in the Application or otherwise in connection with the request for credit is complete and correct; (ii) by using any Card or the account, the Signing Individual and the Business each agree to be bound by the terms of the Card Agreement; "
++++++++++++++++++++++++++++
Just being "Joe Schmo tech guy whose employer is Microsoft" doesnt mean you can start opening Microsoft credit lines, regardless of whether Advanta lets you do it! Business cards are available to employees who possess the AUTHORITY to obligate the business to repay the debt (ie Owner/President/etc) . Advanta may be lazy in who they are allowing to open credit lines, but you better be CERTAIN about what you are applying for - you can easily lose your job if your company catches wind of this. Doesnt matter that the application came to your house.
It's up to each individual to determine if they qualify (based on the requirements stated) - but I am an authorized representative of the company I work for, so that issue it moot. Furthermore, Advanta asked for no FID, no business address, no questions pertaining to type of business I work for, no questions regarding annual revenue - only thing they have that links me to the company I work for is my work number. Credit appears to be extended based on the applicants credit history not the companies - they wanted my SSN and my income - nothing about the company.
As stated, in my situation it doesn't matter since I do comply with their offer requirements - but for others it's up to them. I suppose you could say you work for "[Your Name here] consulting" and they would give you a card based on that too - providing your personal credit history qualifies you.
Received my card yesterday - no reference to my employeer at all. Card only has my name on it. After registering the card I accessed my account on-line and under "profile" it listed my name as the business name. Even though I gave them my employeers name, it was not used at all. Credit was issued based on my credit history, Card issued in just my name, my name was used as the business name.
5% Cash Back on Travel & Entertainment (Airfare, Hotels, Dining, Fuel) plus 1% on everything else makes for a decent card ($300 annual limit). Not as good as the MBNA 10% Cash Back card that expires in July, but the best replacement I've found so far - and the only card I've found that gives 5% on Airfare, Hotels and Dining.
Edit - just noticed at the top of the printed "Card Agreement" that came with the card it says:
Advanta Business Card Agreement (Signing Individual Only; No Business Liability)
That pretty much sums it up - the card is NOT tied to a business.
I just got the offer in the mail. A big plus for us is that it also pays 5% for ground transportation which they define as taxicabs, limousines, railroads, ferries, buses or tolls. It would be really nice to get 5% back on the commuter bus. But, does the Advanta Business Card have a website where you can see unbilled transactions and pay the bill by ACH transfer from a checking account? I would miss this capability if its not there.
Just received a mailer from them and mailed back the app. Think this is one of the best card I have seen. Will be getting back 5% on gas, cell phones, utilities(shoud be a real help this winter), office supplies(combined with Staples Reward Card would give me 15% here), Internet Services, and so on.
Would like to do the 0% balance transfer until 1-2007, since my 0% chase card goes up next month to the 13% rate. Actually, have been carrying a balance for the past 4 years but its all been at 0%.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
