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**Admin Please Delete** thnx
Posted on 7/13/16 at 12:24 am
Posted on 7/13/16 at 12:24 am
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This post was edited on 8/16/16 at 2:55 pm
4
Posted on 7/13/16 at 2:02 am to DarthTiger
I would say the Chase Ink +. I also have the SPG biz card. But the Chase has 5x points on bills like utilities, phone, internet, etc. I'll easily get a round trip ticket every year from just those categories. Let me know if you want to apply and I can send you a link. You'll get 60,000 points after $5k spend.
Oh, just realized you're looking for a low APR as you're going to carry a balance. You may want to look for something with a first year or two 0% APR. But you won't get the best rewards cards. Just checked and Capital One has Quicksilver and VentureOne with some 0% APR offers and they earn cash back or miles. But after the 0% goes away it's likely a 15%+ type APR.
You'll have to choose low APR card or a mileage/points card. Not sure if you can get both. I could be wrong though.
Oh, just realized you're looking for a low APR as you're going to carry a balance. You may want to look for something with a first year or two 0% APR. But you won't get the best rewards cards. Just checked and Capital One has Quicksilver and VentureOne with some 0% APR offers and they earn cash back or miles. But after the 0% goes away it's likely a 15%+ type APR.
You'll have to choose low APR card or a mileage/points card. Not sure if you can get both. I could be wrong though.
Posted on 7/13/16 at 7:33 am to DarthTiger
quote:
I mainly just want to buy the expensive equipment, pay that off, and keep the card for additional small purchases.
It seems that you're looking for a lender who will give you a 0% APR unsecured loan for a short period, with no follow-on business.
Best of luck to you.
Posted on 7/13/16 at 8:01 am to DarthTiger
quote:
I have to purchase some expensive equipment so I need one with as low an APR & interest rate as I can get.
Yo uprobably are best going with a personal card with 0% for a few months and keeping receipts of business purchases.
Posted on 7/13/16 at 9:13 am to DarthTiger
I have a suggestion for you. Are you looking into racking up rewards points on business purchases at all? There is a way of getting that plus the 0% intro APR with no cost to you.
Option 1:
Step 1: Get Citi Simplicity. This card comes with a 21 month intro APR. To my knowledge, this is the most I have seen for any card. Downside is that this is a personal card and therefore may or may not come with the CL you are looking for. You can always look for an increase. This card also racks up no rewards but is the most hassle free option.
Option 2:
Step 1: Get 1 or more rewards cards that come with a big sign up bonus. You will be able to meet the minimum spending requirements on multiple cards and rack up some substantial rewards due to your high spend. I would recommend:
- Chase Ink: This is a Business card and racks up substantial rewards for your usual business spending (Favorable 5x bonus categories). 60K points after $5K spending
Step 2: Get the Chase Slate a month later. This card offers $0 fees on balance transfers made within first 10 days of account opening. Also comes with 15 month intro APR.
Step 3: Make the balance transfer out of your rewards credit card in step 1 to Chase slate in step 2.
This way you get the rewards, you get the intro APR and you have the Chase Ink for regular business spending after the initial purchase. All this at $0 to you. (Ink has $95 annual fee).
Option 1:
Step 1: Get Citi Simplicity. This card comes with a 21 month intro APR. To my knowledge, this is the most I have seen for any card. Downside is that this is a personal card and therefore may or may not come with the CL you are looking for. You can always look for an increase. This card also racks up no rewards but is the most hassle free option.
Option 2:
Step 1: Get 1 or more rewards cards that come with a big sign up bonus. You will be able to meet the minimum spending requirements on multiple cards and rack up some substantial rewards due to your high spend. I would recommend:
- Chase Ink: This is a Business card and racks up substantial rewards for your usual business spending (Favorable 5x bonus categories). 60K points after $5K spending
Step 2: Get the Chase Slate a month later. This card offers $0 fees on balance transfers made within first 10 days of account opening. Also comes with 15 month intro APR.
Step 3: Make the balance transfer out of your rewards credit card in step 1 to Chase slate in step 2.
This way you get the rewards, you get the intro APR and you have the Chase Ink for regular business spending after the initial purchase. All this at $0 to you. (Ink has $95 annual fee).
This post was edited on 7/13/16 at 9:14 am
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