List of small-bank business credit cards.

We all know about Chase, Citi, Cap 1, Discover, and AM3X. It would be great to have a list of business cards from small(er) banks in one thread. As it stands now on FW, you have to go through hundreds of pages of babble to pluck out little gems of info. It's frustrating.

How about we compile a list of business card links?

Suggested Format (fill in the details you are able to):

Bank Name
Underwriter (not necessarily the same as bank name)
Credit Reporting Agency pulled {TU, Exp, EQ or None - (no Personal Guarantee, PG, needed)}.
Decision Time to approval or denial.
If denied, reason?
Approved Credit Limit
Balance Transfer Fee(?)
APR on Balance Transfers
Other Card Details

Where the card reports (if anywhere).

If you're feeling generous, the details of your business (length of time in business, DnB file, earnings, etc.)

Most recent list follows:

Greatly appreciate any info which of these will pull TU/EQ if Experian is frozen.

BankAtlantic and Advanta pulled TU for me.

Added list to quick summary for ease of use/updating.

why not update CC Issuer FAQ thread?

---

OK-- I think this is a great thread (green for OP) but will be even better if people who actually have one of these cards
list a quick summary of their experiences.

I'll start.

Bank Atlantic

Issued by Barclay's Bank
Pulled TU
Decision took 10 days (Some approved instantly? YMMV)
Approved for 50K
Maximum BT 20K at a time (YMMV)
Capped $75 BT fee
0% APR on Balance Transfers for 15 months
5% Cash Back with no earning limit**
Earn up to 5% Cash Back when you purchase gasoline, office supplies, computer equipment, utilities, cell phones and internet services
up to 1% on all other purchases

ETA-- No idea where they report. Nothing yet on personal or commercial CRs.

Advanta
Pulled Experian personal & Eq Commercial
Approval took 1 day (they called to verify info)
Approved for 30K
0% for 15 months
Max BT fee $50
No annual fee
Automatically earn 5% Cash Back on gasoline, office supplies, utilities, computer equipment, cell phones and Internet services, and 1% on all other purchases.
Reports to EQ Commercial and EX Business reports

Company is well established business with high revenue/profit.

ColbyS said: CNB
Do you have to apply by phone? I can't seem to be able to find a link to apply online nor can I find terms and conditions outside the rewards section.

Ah-- you reminded me about Wells Fargo.

That was actually my very first Business card. They kept sending me preapproved offers and I kept throwing them away.
But- they got progressively better.

Finally I bit-- and I ended up with my sweetest card- a combo MC/ BLOC

The interesting thing is that I never had (and do not have now) a Wells Fargo Business bank account.

However-- I have done most of my personal banking there for over 16 years and deposit nice fat Business checks into my WF
personal account every month like clockwork. (I also have PMA & Brokerage)

A live human must have been involved-- a person who reviewed my personal account, saw years of steady Biz check deposits
(with my name on them) and said-- "Hey- let's give this girl a Business CC"

Wells Fargo has actually been very good to me. For a big(ish) bank they have exceptional personalized service.

ETA-- They report to EQ Commercial.

LaJollaInvestor, can you reveal any more data for your two cards (scores,HHI or BizIncome)?

I applied with $210k HHI and scores were all over 730 avg (TrueCredit). I got:
Bank Atlantic - $15k
Advanta - $2.5k (seriously, $2,500 - my lowest CL ever except for HSBC gave me $500-1000 on a personal card once).

I am in process of requesting larger lines. Anyone know if Barclays will shift CL from personal cards to the Bank Atlantic Biz?

akanga said: already compiled list of business cardsVisa cards
Wow, so this is a pretty extensive list but it's not completely up to date as for example it seems the amsouth link is old since it was bought/merged into Regions. Anyways here is the link to the 2 Business Credit Cards Regions offers, which appear to be offered by FIA/BoA and have uncapped BT fees.
Also here's a comparable link for Mastercard's Business Card offerings. I'm going to try and at the least go through these 2 lists and add the relevant information to the QS valid Biz CC's and other details such as if there's another issuer behind it (like BoA for Regions and what looks like Elan on the Comerica Bank and Tri-Counties bank cards).
I also put the QS in alphabetic order.

Looks like Provident Bank has a business card(or 3 different offers) and it says it has a 6 month 0% APR offer but I believe it's only purchases and I don't see whether you can do balance transfers at all.
State Farm too (says 0% on purchases for 6 months).

LaJollaInvestor said: Ah-- you reminded me about Wells Fargo.

That was actually my very first Business card. They kept sending me preapproved offers and I kept throwing them away.
But- they got progressively better.

Finally I bit-- and I ended up with my sweetest card- a combo MC/ BLOC

The interesting thing is that I never had (and do not have now) a Wells Fargo Business bank account.

However-- I have done most of my personal banking there for over 16 years and deposit nice fat Business checks into my WF
personal account every month like clockwork. (I also have PMA & Brokerage)

A live human must have been involved-- a person who reviewed my personal account, saw years of steady Biz check deposits
(with my name on them) and said-- "Hey- let's give this girl a Business CC"

Wells Fargo has actually been very good to me. For a big(ish) bank they have exceptional personalized service.

 

ETA-- They report to EQ Commercial.

Sometimes you cant figure with these credit grantors. My business partner got the Bankatlantic card with a 25K line. I will probably apply on my next BIZ AOR. His scores were strong with very little utilization. I have cards with higher limits overall so it will be interesting on what I get for that card. AMEX Plat Business rewards gave him 50K. 50K is the max on most biz cards but as reported here that is a rarity. In fact I think lajolla is the first reported here to get the full 50K from Barclays. My partner got a Crap One biz card for 20K which was the max on that card.

Rob

Bump, and here's 2 links to past archived threads that might be of help:
thread 1
thread 2

I have 2 WF cards. First was pre-AOR days, for 50k, and it came with a 375k BLOC. I requested 45k BT in phone app from a mailed offer. I never had a bank account with them, but had a mortgage. I later got a 10k CL for a different biz, but had to fax docs. I'll probably cancel the cards before the next time around.

rodpen said: I have been in biz 2 yrs but no biz credit cards no biz credit have ein how do I get credit with out paying all these companies for biz credit also have D&B #

1. read creditboards.com business credit section
2. read jevon90's archived fatwallet threads above.
3. jackcrawfish referenced this thread Credit Talk Forum: Business Credit, the Backdoor Appro in the mega a-o-r sticky on the front page

creditratings.com is also a good place to get good information.

clyde_frog said: interesting link. so what's with other boards and their fascination with non-pg business credit?? what do they just get as much non-pg money and cars and stuff as they can, and then default?

Or they have crappy personal credit, and thus non-PG biz credit is all they can get. Besides Donald Trump, who gets useful lines without a PG?

b