american express platinum.
no monthly/yearly fees, doesn't have to be paid off every month, and it does the whole reward point thing (i've used them to buy flight tickets).
Ask HN: What type of Biz Credit Card do you have?
11–20 of 29 posts
Re: Ask HN: What type of Biz Credit Card do you have?
#12AMEX is one of the best cards for floating monthly expenses. Customer service is top notch, and you often get an extra year warranty on anything you buy. If you're irresponsible, prepared to get slaughtered by high interest rates that pay for these services... That said, I would not use an AMEX to bootstrap a company. You can find a better interest rate through VISA/Mastercard. I currently use an AMEX Blue (cash back…
Careful with ING. In November they closed my account with no advanced notice and no chance for me to make any arrangements for my money. I couldn't access my savings for 2 weeks while I waited for a paper check. I also had to wait for a paper paycheck since it was too late to change my direct deposit. When I called they said that I had taken advantage of too many of their "free" services and my account had become unp…
Wow thats scary. I have almost all my savings in ING. What "free" services are you taking about?
Re: Ask HN: What type of Biz Credit Card do you have?
#13AMEX is one of the best cards for floating monthly expenses. Customer service is top notch, and you often get an extra year warranty on anything you buy. If you're irresponsible, prepared to get slaughtered by high interest rates that pay for these services... That said, I would not use an AMEX to bootstrap a company. You can find a better interest rate through VISA/Mastercard. I currently use an AMEX Blue (cash back…
Careful with ING. In November they closed my account with no advanced notice and no chance for me to make any arrangements for my money. I couldn't access my savings for 2 weeks while I waited for a paper check. I also had to wait for a paper paycheck since it was too late to change my direct deposit. When I called they said that I had taken advantage of too many of their "free" services and my account had become unp…
That's interesting, thanks for the warning. Too many "free" services is what I don't understand since everything they offer is essentially free.
I've heard of them closing accounts before, in the book "Mavericks at Work" ING actually promotes the behavior of rejecting bad customers. While I agree, I think there needs to be absolute transparency around their banning policy so it's crystal clear form the start to prevent issues like yours.
Re: Ask HN: What type of Biz Credit Card do you have?
#14We have http://www.plumcard.com/ and love it.
2% cash back if you pay within 7 days of your statement. (But there is a minimum monthly spend of $1000 or something like that.)
Re: Ask HN: What type of Biz Credit Card do you have?
#15AMEX is one of the best cards for floating monthly expenses. Customer service is top notch, and you often get an extra year warranty on anything you buy. If you're irresponsible, prepared to get slaughtered by high interest rates that pay for these services... That said, I would not use an AMEX to bootstrap a company. You can find a better interest rate through VISA/Mastercard. I currently use an AMEX Blue (cash back…
do NOT bootstrap a company on credit cards, Amex or otherwise.
Re: Ask HN: What type of Biz Credit Card do you have?
#16Amex Gold.
are the monthly fees worth it for AMEX?
Amex has simply the best customer service of any credit card company in the universe. You have a problem with any random transaction, you call them up, they apologize, and they go fix it.
I haven't noticed the fees being an issue, but I'm not paying attention; we have a finance@ for that.
Re: Ask HN: What type of Biz Credit Card do you have?
#17I've had an Amex Gold Business Card since starting up in 2001. Their customer service is the best and their web site keeps getting better each year for tracking my transactions, etc.
I've also had them go to bat for me a few times over disputed charges and I've always been very happy with the outcome. I'd highly recommend them.
Re: Ask HN: What type of Biz Credit Card do you have?
#18Earlier quoted context omitted.
Careful with ING. In November they closed my account with no advanced notice and no chance for me to make any arrangements for my money. I couldn't access my savings for 2 weeks while I waited for a paper check. I also had to wait for a paper paycheck since it was too late to change my direct deposit. When I called they said that I had taken advantage of too many of their "free" services and my account had become unp…
Wow thats scary. I have almost all my savings in ING. What "free" services are you taking about?
Well, what happened to me was that I was having a tough month, and a couple of automated ETF's came in unexpectedly. They all got returned NSF on the same day and the next day without any warning they just shut down my account without notice. The only way I knew something was wrong was that I could no longer log in to my account.
Re: Ask HN: What type of Biz Credit Card do you have?
#19Earlier quoted context omitted.
are the monthly fees worth it for AMEX?
Amex has simply the best customer service of any credit card company in the universe. You have a problem with any random transaction, you call them up, they apologize, and they go fix it. I haven't noticed the fees being an issue, but I'm not paying attention; we have a finance@ for that.
>You have a problem with any random transaction, you call them up, they apologize, and they go fix it.
I have absolutely the same experience with my bank's Visa.
Re: Ask HN: What type of Biz Credit Card do you have?
#20Earlier quoted context omitted.
Amex has simply the best customer service of any credit card company in the universe. You have a problem with any random transaction, you call them up, they apologize, and they go fix it. I haven't noticed the fees being an issue, but I'm not paying attention; we have a finance@ for that.
> You have a problem with any random transaction, you call them up, they apologize, and they go fix it. I have absolutely the same experience with my bank's Visa.
What's the biggest conflict you've had over a Visa transaction? My biggest Amex conflict: I was forced to buy a walk-up fare one way ticket from Prague because CSA screwed up my booking; Amex fixed that in 4 minutes over the phone when I got home.
I'm not arguing with you; it's just my perception that Amex has been better than the various Visas and MCs I've held.