Amex Business Platinum. Great benefits make it worth the cost 10x over.
Ask HN: What credit card does your US startup use?
21–30 of 111 posts
Re: Ask HN: What credit card does your US startup use?
#22Chase Ink Preferred. Has a nice signup bonus and you get 3% back on some great categories for the first $150k spend.
Re: Ask HN: What credit card does your US startup use?
#23If you pay your AWS bill with the Amazon Rewards Visa, the transaction is categorized under Amazon and you'll get 5% rewards (only redeemable on Amazon though)
Re: Ask HN: What credit card does your US startup use?
#24American Express Plum card used to have one of the best bonuses for quick repayment. It originally was 2% with no cap, if you paid it within 10 days. Or you could pay your minimum and defer the payment a month with no penalty. I think it is 1.5% now, which is still pretty good considering there's no cap. I got it when I was doing a lot of affiliate marketing (no rebills, I swear), which is sort of like being a founde…
Capital One Spark Business Visa currently has 2% unlimited cash back and a $59 annual fee. When I signed up it was 1.5% cash back, no annual fee, and no minimum cash back rewards redemption amount.
Re: Ask HN: What credit card does your US startup use?
#25If you pay your AWS bill with the Amazon Rewards Visa, the transaction is categorized under Amazon and you'll get 5% rewards (only redeemable on Amazon though)
> only redeemable on Amazon though
The Chase card? You can redeem the points as statement credit.
Re: Ask HN: What credit card does your US startup use?
#26Capital One Spark Business (Visa) has worked great for us.
Very friendly service, good online system (not as great as Amex though), $15K limit from day one for a new business with zero revenue at the time. Best of all, 2% cash back on every single purchase (no categories), which adds up to real money when you put all of your expenses like AWS on it.
Re: Ask HN: What credit card does your US startup use?
#27American Express Plum card used to have one of the best bonuses for quick repayment. It originally was 2% with no cap, if you paid it within 10 days. Or you could pay your minimum and defer the payment a month with no penalty. I think it is 1.5% now, which is still pretty good considering there's no cap. I got it when I was doing a lot of affiliate marketing (no rebills, I swear), which is sort of like being a founde…
Capital One Spark Business Visa currently has 2% unlimited cash back and a $59 annual fee. When I signed up it was 1.5% cash back, no annual fee, and no minimum cash back rewards redemption amount.
There's two (really 3) versions - the spark cash (2% CB, $59 AF) and the spark cash select (1.5% CB, no AF)
The third version is spark classic - 1% CB, no AF. I guess that's the version you get if your credit isn't good enough.
Re: Ask HN: What credit card does your US startup use?
#28My advice would be to make sure you have more than 1 card. There will be a fraudulent purchase at some point leading to a card re-issue. You don't want to be dead in the water for a few days while that happens!
Very true, learned-from-experience type advice. Some banks my not really get the need and ask a bunch of questions, but in my experience they were more excited for the opportunity to charge more credit card fees :)
I would suggest to get the second business card (not for every employee, but for paying your critical service bills) from a different provider altogether, since the goal is to make sure the backup works when the primary one doesn't for whatever reason. So choose for example your bank's card as primary, with a corporate Amex as backup.
Re: Ask HN: What credit card does your US startup use?
#29American Express Plum card used to have one of the best bonuses for quick repayment. It originally was 2% with no cap, if you paid it within 10 days. Or you could pay your minimum and defer the payment a month with no penalty. I think it is 1.5% now, which is still pretty good considering there's no cap. I got it when I was doing a lot of affiliate marketing (no rebills, I swear), which is sort of like being a founde…
Capital One Spark Business Visa currently has 2% unlimited cash back and a $59 annual fee. When I signed up it was 1.5% cash back, no annual fee, and no minimum cash back rewards redemption amount.
Interesting. The Plum has a $199 fee after the first year. The one advantage for it would still be the ability to defer interest and payments for a month, but the Spark card may be a better option now, overall.
Re: Ask HN: What credit card does your US startup use?
#30In the past, I used a USBank based service for small businesses. Low rates, API to get purchases, and fairly easy to get/qualify for. Assign credit limits per-employee and per category (so, for example, Maintenance Guy A can't purchase any food/beverages, but, can buy stuff at Grainger/home improvement stores, and has a limit of $500 per transaction, but a total credit limit of $5,000).