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Financial question for photographers who run a business


8 years 2 months ago #470305 by MYoung
I've been using my debit card from my bank for my business (it's a business checking account).  I want to sign up for a credit card for my business and was looking to find out which credit card offers the most perks for business owners? 

If you can suggest which to stay away, that would be helpful too.  Thank you.
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8 years 2 months ago #470438 by Matt VanDyke
Capital One Spark
American Express (Platinum or Business Cash)
Chase Ink Plus 
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8 years 2 months ago #470442 by J Photo Man
Keep in mind the Amex Platinum card needs to be paid off each month
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8 years 2 months ago #470480 by Colorado Mike
B&A or what ever bank you are with already.  Chances are they have commercial products and might give you better card
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8 years 2 months ago #470488 by Jeffster

J Photo Man wrote: Keep in mind the Amex Platinum card needs to be paid off each month


You get 40,000 miles with $3000 spent in first 3 months  ;) 
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8 years 2 months ago #470510 by MYoung
I was looking at the American express platinum and they want to charge a fee of $450 per year?!  What's so special about the card?  
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8 years 2 months ago #470521 by Missy J
I have a Chase Ink Business Plus card for my biz, it's a good card and the perks with Chase are worth looking at. 
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8 years 2 months ago #470692 by Ruby Grace
FYI to anyone considering the Capital One Spark card, this one reports on your personal credit too.  So that utilization will reflect on personal.  Which might have a negative impact if too high.  
Canon EOS 5D Mark II, 17-40mmL, 24-105mmL, 100-400mmL, 300mm f/4L IS, Sigma 12-24mm, 430EX, Extension tubes
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8 years 2 months ago #470739 by Orlando Bohland

Ruby Grace wrote: FYI to anyone considering the Capital One Spark card, this one reports on your personal credit too.  So that utilization will reflect on personal.  Which might have a negative impact if too high.  


+1  so watch for that rolling balance
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8 years 2 months ago #470751 by TGonzo
In order to apply for a business card, what sort of company structure do you need to have? 
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8 years 2 months ago #470753 by plymouthcards

MYoung wrote: I've been using my debit card from my bank for my business (it's a business checking account).  I want to sign up for a credit card for my business and was looking to find out which credit card offers the most perks for business owners? 

If you can suggest which to stay away, that would be helpful too.  Thank you.


I love the Southwest Business credit card, lower annual fee and we use lots of airline miles with two kids in college out of state. Plus if you travel out of the country, they do not charge you currency conversion fees.

I found a great analysis done by Bankrate ,  http://www.bankrate.com/credit-cards/business-cards.aspx
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8 years 2 months ago #470754 by plymouthcards

TGonzo wrote: In order to apply for a business card, what sort of company structure do you need to have? 


Some you can be a sole proprietor and others require that you are a S Corp/C Corp. 
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8 years 2 months ago #470764 by Ryan711
:agree:


AMEX in my opinion is the best company to work with.  Customer service is awesome.  They have a number of cards for businesses.   
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8 years 2 months ago #470863 by Roy Wilson

J Photo Man wrote: Keep in mind the Amex Platinum card needs to be paid off each month



They do give a small grace period as well though
Canon 5D Mark II, 30D, 40D, 50 1.2L, 16-35 2.8L Mark II, 24-105 4L IS, 24-70 2.8L, 70-200 2.8L IS, 85 1.8, 4 x 580 EX(II)
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8 years 2 months ago #470879 by Danny Carson
OMG the AMEX fee is out in left field!  Pass
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