12 Best Small Business Credit Cards for January 2022

Table of Contents

Business credit cards are the best way to start or grow your small business. These types of cards offer a range of features and perks that make it easy for entrepreneurs to get started, while also providing them with financial protection against fraud. This list includes 12 of the most popular small business credit card options available today..

The best credit cards for small business owners in January 2022 are: 1. Capital One Spark Miles MasterCard, 2. Chase Freedom Unlimited Visa Signature Card 3. Citi Simplicity Credit Card 4-5. Barclaycard Ring TU Rewards World MasterCard 6-7. Discover It Cash Back 8-9. Amazon Prime Store card 10 and Amex EveryDay Preferred 11

The “best business credit cards for startups” are the 12 best small businesses credit cards in January 2022.

12 Best Small Business Credit Cards for January 2022

Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.

The finest credit card for your small company should make financing simple and allow you to save money on both one-time and ongoing costs. Look for cash back and points incentives on common company spending whether you’re a lone owner or manage a small or big crew. Consider the many bonuses and benefits available with high-limit cards and travel cards if you have large costs. We’ve compiled a list of the 12 finest credit cards for your company’s buying power:

Do you wish to compare the characteristics of two cards? That’s something we’ve made simple for you. To add cards to your basket, check up to three boxes on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Best Overall Small Business Credit Card and Best Card for New Businesses With No Credit History: Chase Ink Business Unlimited®

1633366594_601_Costco-Anywhere-Visa%C2%AE-Business-Card-Review

Credit Card Ink Business Unlimited®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting 1.5 percent cash back on each and every transaction

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Chase’s Protected Website

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Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
There is no yearly charge.
With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
On purchases, there is a 0% introductory APR for the first 12 months.

Pros

On purchases, there is a 0% introductory APR.
On all purchases, you’ll get unlimited cash back incentives.

Cons

Balance transfers are not eligible for the introductory APR period.
Balance transfer fees are 5%.
Charges fees for international transactions.
To qualify, you must have outstanding credit.

When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
On qualified warranties of three years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Excellent, Excellent

After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
There is no yearly charge.
With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
On purchases, there is a 0% introductory APR for the first 12 months.

Pros

On purchases, there is a 0% introductory APR.
On all purchases, you’ll get unlimited cash back incentives.

Cons

Balance transfers are not eligible for the introductory APR period.
Balance transfer fees are 5%.
Charges fees for international transactions.
To qualify, you must have outstanding credit.

When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
On qualified warranties of three years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Why we like it: The Chase Ink Business Unlimited® card is our top choice for the best overall small business credit card because of its straightforward rewards: cash back at a fixed rate of 1.5% for every $1 spent on any business purchase. There are no limits to the amount of cash back you can earn, and there’s There is no yearly charge..

If you spend $7,500 in the first three months of card possession, you’ll get $750 back as an introductory bonus. Rewards may be redeemed for statement credits, gift cards, vacation, or Apple® items. Earn cash back on a range of purchases essential to get your new company off the ground if you have no credit history but strong personal credit. This is the finest card for new companies with no credit history in our opinion.

American Express Blue Business® Plus: The Best Self-Employed Credit Card

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American Express’s Blue Business® Plus Credit Card

2x points per $1 and a 0% introductory APR for the first 12 months

Apply Now

on American Express’s Blue Business® Plus Credit Card’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Excellent, Excellent

Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
*There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
There is no yearly charge.
Terms and Conditions apply.

Pros

There is no yearly charge.
Purchases and balance transfers get a 0% APR for 12 months.
Bonus points for new customers
Increased purchasing power
Rewards at a set rate

Cons

Cash advances are not permitted.
There is no cost for international transactions.
The amount of money you may spend to get 2x points is restricted at $50,000.

If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Excellent, Excellent

Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
*There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
There is no yearly charge.
Terms and Conditions apply.

Pros

There is no yearly charge.
Purchases and balance transfers get a 0% APR for 12 months.
Bonus points for new customers
Increased purchasing power
Rewards at a set rate

Cons

Cash advances are not permitted.
There is no cost for international transactions.
The amount of money you may spend to get 2x points is restricted at $50,000.

If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Why we like it: When you’re self-employed and you don’t need a high-limit card, the American Express Blue Business® Plus offers 2x Membership Rewards® points per $1 on the first $50,000 spent on any business purchase each year, then 1x points after that. This is a great card for everyday expenses, and there’s no need to keep track of spend categories. Plus, there’s There is no yearly charge..

Spend $3,000 in the first three months of card membership to get 15,000 Membership Rewards® points as a welcome incentive. It was chosen as the finest all-around card for self-employed people.

Triple Cash Rewards from U.S. Bank for Business The World EliteTM Mastercard® is the best card for rewards at gas stations and restaurants.

Wells-Fargo-Business-Platinum-Credit-Card-Review-2022

Triple Cash Rewards from U.S. Bank for Business Mastercard World EliteTM

APR of 0% for 15 billing cycles

Apply Now

On the secure website of US Bank

Compare with

APR on a regular basis

14.24% – 23.12% (Variable)

Credit is required.

Excellent/Good

Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
All other qualified net purchases will earn you 1% cash back.
There is no limit to the total amount of cash back that may be received.
Reward points never run out.
For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
For 15 payment cycles, get a Purchases are tax-free., there is an introductory APR. and debt transfers. Then there’s a variable APR ranging from 14.24 percent to 23.24 percent.
There is no yearly charge..

Pros

Purchases and balance transfers are both eligible for a 0% APR.
Cash back benefits are available indefinitely.
There is no yearly charge.

Cons

Even during the promotional period, there is a balance transfer cost.
Cash advances are not subject to the intro APR.

Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.

APR on a regular basis

14.24% – 23.12% (Variable)

Credit is required.

Excellent/Good

Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
All other qualified net purchases will earn you 1% cash back.
There is no limit to the total amount of cash back that may be received.
Reward points never run out.
For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
For 15 payment cycles, get a Purchases are tax-free., there is an introductory APR. and debt transfers. Then there’s a variable APR ranging from 14.24 percent to 23.24 percent.
There is no yearly charge..

Pros

Purchases and balance transfers are both eligible for a 0% APR.
Cash back benefits are available indefinitely.
There is no yearly charge.

Cons

Even during the promotional period, there is a balance transfer cost.
Cash advances are not subject to the intro APR.

Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.

Why we like it: With the U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®, you may earn 3% cash back at qualifying gas stations, restaurants, mobile phone/service providers, and office supply retailers if you’re often on the road. In addition, you will get 1% cash back on all other qualified purchases. Also, for recurrent software subscription fees like QuickBooks, you may get a $100 yearly software credit.

Earn $500 cash back after spending $4,500 in the first 150 days of card ownership. You also get a 0% introductory APR for 15 billing cycles for both purchases and balance transfers. Plus there’s There is no yearly charge., no limit on total cash back earned, and Reward points never run out. It’s one of our picks for the best fuel cards for small businesses.

Best Card for Startup Businesses: Chase Ink Business Cash®

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Credit Card Ink Business Cash®

Businesses that are headquartered in an office and wish to earn a lot of money back

Apply Now

Chase’s Protected Website

Compare with

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
There is no yearly charge.
With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
On purchases, there is a 0% introductory APR for the first 12 months.

Pros

Spending on office supplies reaps the most benefits.
On purchases, there is an introductory APR.
Bonus for registering in cash

Cons

Balance transfers are not eligible for the 0% APR.
A 5% balance transfer fee is charged.
Designed mostly for office-based businesses.

When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year..
On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

On purchases, there is a 0% introductory APR.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Excellent, Excellent

After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
There is no yearly charge.
With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
On purchases, there is a 0% introductory APR for the first 12 months.

Pros

Spending on office supplies reaps the most benefits.
On purchases, there is an introductory APR.
Bonus for registering in cash

Cons

Balance transfers are not eligible for the 0% APR.
A 5% balance transfer fee is charged.
Designed mostly for office-based businesses.

When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year..
On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Why we like it: With the Chase Ink Business Cash® card, you can receive 5% cash back on all of your ongoing starting expenditures, including office supplies, internet, cable, and phone, up to $25,000 each account anniversary year. You may also get 2% cash back on your first $25,000 spend at gas stations and restaurants, as well as 1% cash back on everything else.

Spend $7,500 in the first three months of card possession, and you’ll get $750 back. This is our pick for the finest overall business credit card for startups.

Best Cash Back Business Credit Card: American Express Blue Business CashTM

Lowes-Business-Rewards-Card-from-American-Express-Review-for-2022

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Apply Now

on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Excellent, Excellent

After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Increased purchasing power.
Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
There is no yearly charge.
Terms and Conditions apply.

Pros

Introductory APR of 0%
Bonus for new customers
Rewards at a certain rate
There is no yearly charge.

Cons

It is not possible to get a cash advance.
Charges fees for international transactions.
A total of $50,000 in yearly expenditure is restricted at 2% cash back.

Increased purchasing power: Enjoy flexible buying power, when your business needs it. Increased purchasing power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn’t unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Excellent, Excellent

After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Increased purchasing power.
Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
0.On purchases, there is a 0% introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
There is no yearly charge.
Terms and Conditions apply.

Pros

Introductory APR of 0%
Bonus for new customers
Rewards at a certain rate
There is no yearly charge.

Cons

It is not possible to get a cash advance.
Charges fees for international transactions.
A total of $50,000 in yearly expenditure is restricted at 2% cash back.

Increased purchasing power: Enjoy flexible buying power, when your business needs it. Increased purchasing power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn’t unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

When cash back is your chosen reward method, get 2% cash back on all qualifying purchases up to $50,000 per calendar year with the American Express Blue Business CashTM card, and the remaining 1% cash back is immediately applied to your statement. There is no minimum reward amount to redeem, and cash back is instantly applied to your account.

It’s our top pick for the greatest cash back business credit cards, as well as one of our top nonprofit business credit cards.

U.S. Bank Business Platinum offers the best introductory APR of 0% for the first 20 billing cycles.

5-Best-0-APR-Business-Credit-Cards-of-2021

Business Platinum Card from U.S. Bank

Purchases and balance transfers have a longer 0% APR term.

Apply Now

On the secure website of US Bank

Compare with

APR on a regular basis

Variable between 11.99 and 20.99 percent

Introductory APR of 0%* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
There is no yearly charge.*
Employee cards are available at no cost.
You’re protected against illegal transactions with zero fraud liability*.

Pros

Offers a lengthy introductory rate of 0% APR.
Purchases and balance transfers are both eligible for a 0% APR.
There is no yearly charge.

Cons

There are no initial or continuing incentives.
Even during the promotional period, there is a balance transfer cost.
To be considered, you must have an excellent credit score.

For warranties of three years or less, U.S. Bank will double the original manufacturer’s warranty and provide an extra year of coverage. The amount of coverage is capped at $10,000 per item.
Purchase protection: Within 90 days of purchase, U.S. Bank provides purchase protection for things that are damaged or stolen. The coverage is restricted to $500 per claim and $50,000 per year per cardholder.

APR on a regular basis

Variable between 11.99 and 20.99 percent

Introductory APR of 0%* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
There is no yearly charge.*
Employee cards are available at no cost.
You’re protected against illegal transactions with zero fraud liability*.

Pros

Offers a lengthy introductory rate of 0% APR.
Purchases and balance transfers are both eligible for a 0% APR.
There is no yearly charge.

Cons

There are no initial or continuing incentives.
Even during the promotional period, there is a balance transfer cost.
To be considered, you must have an excellent credit score.

For warranties of three years or less, U.S. Bank will double the original manufacturer’s warranty and provide an extra year of coverage. The amount of coverage is capped at $10,000 per item.
Purchase protection: Within 90 days of purchase, U.S. Bank provides purchase protection for things that are damaged or stolen. The coverage is restricted to $500 per claim and $50,000 per year per cardholder.

Why we like it: If you have significant debt from other business credit cards, the Business Platinum Card from U.S. Bank can help pay off your balances. It offers a 0% introductory APR for the first 20 billing cycles for both balance transfers and purchases, which allows you to pay down your debt interest-free each month for nearly two years.

It doesn’t offer any rewards, but there’s There is no yearly charge., and it has a low starting APR of 11.99%. It’s our number one choice for the best 0% APR business credit card.

Best Premium Card With Flexible Rewards: American Express® Business Gold

Capital-One%C2%AE-Spark%C2%AE-Miles-for-Business-Review-2022

The American Express® Business Gold Card is a credit card issued by American Express.

Getting the most out of your incentives in the two areas where you spend the most

Apply Now

on The American Express® Business Gold Card is a credit card issued by American Express.’s secure website.

Compare with

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Excellent, Excellent

Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
**The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
*Terms and Conditions apply.

Pros

Every month, earn 4x points in two categories.
Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

You’ll have to pay a hefty $295 yearly charge.
There are no options for interest-free financing.

Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Excellent, Excellent

Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
**The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
*Terms and Conditions apply.

Pros

Every month, earn 4x points in two categories.
Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

You’ll have to pay a hefty $295 yearly charge.
There are no options for interest-free financing.

Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

Why we like it: The The American Express® Business Gold Card is a credit card issued by American Express. offers 4x Membership Rewards® points per $1 on the two categories out of six where your business spends the most: airfare, advertising (online, radio, TV), computer hardware, computer software, cloud systems, gas stations, restaurants, and shipping. You also get 1 point per $1 on all other business purchases.

You may earn points by buying tickets directly from airlines, but you can receive 25% back if you redeem Membership Rewards® points via Amex Travel. It’s one of our top picks for the best cards for LLCs if you operate a limited liability business and desire flexible rewards.

Capital One® Spark® Business Miles are ideal for business travel.

Amazon-Business-Prime-American-Express-Card-Review

Capital One® Spark® Business Miles

Every swipe earns you 2x miles.

Apply Now

on Capital One® Spark® Business Miles’s secure website.

Compare with

APR on a regular basis

20% (20.99%) (Variable)

a yearly fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
2 kilometers for every $1 invested
Employee cards may be distributed for free.

Pros

There are no costs for international transactions.
Credit for TSA Pre® or Global Entry application fees

Cons

You’ll pay an a yearly fee after the first year
Doesn’t provide interest-free credit.

Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

APR on a regular basis

20% (20.99%) (Variable)

a yearly fee

For the first year, there is no charge; after that, it is $95 each year.

Credit is required.

Excellent, Good

After spending $4,500 in the first three months, you’ll get a $500 trip incentive.
2 kilometers for every $1 invested
Employee cards may be distributed for free.

Pros

There are no costs for international transactions.
Credit for TSA Pre® or Global Entry application fees

Cons

You’ll pay an a yearly fee after the first year
Doesn’t provide interest-free credit.

Once every four years, you’ll get a $100 statement credit for Global Entry or a $85 statement credit for TSA Pre® airport security screening.
Most purchases bought solely with your card are protected if they are destroyed or stolen within 90 days of the purchase date. The amount of coverage is capped at $10,000 per claim and $50,000 per cardholder account per year.
On most things you buy, extended warranty coverage doubles the original guarantee duration and duplicates the coverage of the original manufacturer’s warranty for a maximum of 12 months.
Medical referrals if you have a medical emergency while traveling: If you suffer a medical emergency while traveling, provide recommendations to medical assistance. If you’re 100 miles or more from home, you’re protected from the time you depart until midnight on the 60th day of your vacation, or until you return to your home city, whichever comes first.

Why we like it: The Capital One® Spark® Business Miles card is our first choice for the best business credit cards for travel. If you take frequent business trips, use this card to book hotel and rental cars through Capital One Travel and earn 5x unlimited rewards miles. Redeem your miles for flights or hotels, or transfer miles to one of Capital One’s 19 travel partners.

You also get up to $100 credit for Global Entry or TSA PreCheck, get two free visits each year to a Capital One airport lounge, and pay There are no costs for international transactions.. You also earn an unlimited 2x miles on any business purchase. There’s There is no yearly charge. during the first year, then it’s $95 per year after that.

Best for Lowest Starting APR: PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature

Chase-Ink-Business-Cash%C2%AE-Credit-Card-Review-for-2022

PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature

Cash back benefits are available to PNC Bank account customers.

Apply Now

PNC’s Secure Website (https://www.pnc.com)

Compare with

Intro APR

0% for the first nine billing cycles

APR on a regular basis

Variable between 10% and 19.99 percent

Credit is required.

Excellent – Excellent

If you spend $3,000 in the first three billing cycles, you’ll get a $250 incentive.
For the first nine billing cycles after creating an account, there is no APR on purchases.
All purchases will earn you 1.5 percent cash back.
There is no yearly charge.

Pros

There is no yearly charge.
Bonus for registering
Low annual percentage rate (APR)

Cons

APR of 0% for a limited time
On balance transfers, there is no 0% APR term.
Nonaccount holders are unable to use the online application.

Cash Flow Insight®: This tool helps in budget planning by allowing you to track your expenditure categories.
Business integrations: You may use.csv files or download your transactions into Excel®, Quicken®, or QuickBooks®.
Advantages of the Visa Signature® Card: This card includes Visa travel benefits as well as purchase protection.

Intro APR

0% for the first nine billing cycles

APR on a regular basis

Variable between 10% and 19.99 percent

Credit is required.

Excellent – Excellent

If you spend $3,000 in the first three billing cycles, you’ll get a $250 incentive.
For the first nine billing cycles after creating an account, there is no APR on purchases.
All purchases will earn you 1.5 percent cash back.
There is no yearly charge.

Pros

There is no yearly charge.
Bonus for registering
Low annual percentage rate (APR)

Cons

APR of 0% for a limited time
On balance transfers, there is no 0% APR term.
Nonaccount holders are unable to use the online application.

Cash Flow Insight®: This tool helps in budget planning by allowing you to track your expenditure categories.
Business integrations: You may use.csv files or download your transactions into Excel®, Quicken®, or QuickBooks®.
Advantages of the Visa Signature® Card: This card includes Visa travel benefits as well as purchase protection.

Why we like it: How will your business finances look a few months or years down the road? The PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature® Business Credit Card PNC Cash Rewards® Visa Signature can help if you carry a balance with each billing cycle. It offers the lowest starting APR on our list at 10.99%. It’s one of the few business credit cards with Rewards at a set rate, offering 1.5% cash back on all eligible business purchases with no limit to the amount you can earn.

Plus, earn a $200 Bonus for new customers if you spend $3,000 in qualifying purchases within the first three months of card ownership, and benefit from a 0% introductory APR for the first nine months.

Best for International Business Trips: American Express Business Platinum Card®

9-Business-Credit-Cards-With-No-Foreign-Transaction-Fee-for

American Express’s Business Platinum Card®

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

Apply Now

on American Express’s Business Platinum Card®’s secure website.

Compare with

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Excellent, Excellent

Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
Plus, Introductory APR of 0% for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.49% to 22.49% based on your credit worthiness and other factors as determined at the time of account opening.
On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
$200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
$179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
$695 a yearly fee.
Terms and Conditions apply..

Pros

Travel rewards of the highest quality
Free access to over 1,300 airport lounges across the globe
There are no costs for international transactions.

Cons

The balance is required in full every month.
High a yearly fee

American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
Rental status: At a number of automobile rental businesses, you have elite status.
Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Excellent, Excellent

Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
Plus, Introductory APR of 0% for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.49% to 22.49% based on your credit worthiness and other factors as determined at the time of account opening.
On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
$200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
$179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
$695 a yearly fee.
Terms and Conditions apply..

Pros

Travel rewards of the highest quality
Free access to over 1,300 airport lounges across the globe
There are no costs for international transactions.

Cons

The balance is required in full every month.
High a yearly fee

American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
Rental status: At a number of automobile rental businesses, you have elite status.
Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Why we like it: If you enjoy luxury travel and often take international business trips, the American Express Business Platinum Card® offers excellent travel rewards, perks, and benefits. You can earn 5x points on flights and prepaid hotels booked with Amex Travel, access to 1,300 airport lounges in 500 airports around the world and receive an annual airline credit up to $200 for baggage fees and more. It has the highest a yearly fee on this list at $695 per year, but it’s well worth it if you travel frequently and maximize the many benefits this card offers.

It’s one of our top selections for business credit cards with access to airport lounges, as well as one of the finest high-limit business credit cards.

Best Secured Card for Small Businesses: Wells Fargo Business Secured

1633365771_396_5-Best-Business-Credit-Cards-That-Dont-Report-to-Personal

Secured Credit Card from Wells Fargo

Owners of businesses with bad credit

Apply Now

On the Safe Website of Wells Fargo

Compare with

APR on a regular basis

Prime + 11.9Purchases are tax-free.

Option 1: Earn 1.5 percent cash back on every dollar spent.
Option for Reward Points: Earn 1 point for every $1 spent, plus 1,000 additional points if your firm spends $1,000 or more in a monthly billing period.
There is no yearly cost for the rewards program.
A credit line of $500 to $25,000 is available.
There is no risk of responsibility.

Pros

With a credit score of less than 580, approval is possible.
Fixed-rate cash back or points rewards are your options.

Cons

A security deposit of at least $500 is required.
Has an a yearly fee

Purchase Assurance: If an item is damaged or stolen within 90 days of purchase, Wells Fargo will fix, replace, or refund you.
Design Studio: On your credit card, include a personal picture or a company design.

APR on a regular basis

Prime + 11.9Purchases are tax-free.

Option 1: Earn 1.5 percent cash back on every dollar spent.
Option for Reward Points: Earn 1 point for every $1 spent, plus 1,000 additional points if your firm spends $1,000 or more in a monthly billing period.
There is no yearly cost for the rewards program.
A credit line of $500 to $25,000 is available.
There is no risk of responsibility.

Pros

With a credit score of less than 580, approval is possible.
Fixed-rate cash back or points rewards are your options.

Cons

A security deposit of at least $500 is required.
Has an a yearly fee

Purchase Assurance: If an item is damaged or stolen within 90 days of purchase, Wells Fargo will fix, replace, or refund you.
Design Studio: On your credit card, include a personal picture or a company design.

Why we like it: The Wells Fargo Business Secured card is a fantastic alternative if you have a limited credit history but have cash on hand. Your collateral account is a security deposit in a Wells Fargo business checking or savings account in the same amount as your credit limit. Your credit limit might be anything between $500 and $25,000.

You may choose between 1.5 percent cash back or 1 point every dollar spent as an incentive. Keep in mind that points that are three years old or older will expire on November 30 each year, with no exceptions. Wells Fargo does not disclose business or personal credit history to the main credit agencies, but it will examine your account on a regular basis to determine whether you are eligible for an unsecured Wells Fargo credit card. It’s one of our top picks for the finest business credit cards with simple acceptance.

The Capital One® Spark® Classic is the best card for those with bad credit.

5-Best-Credit-Cards-for-New-Businesses-With-No-Credit

Spark® Classic for Business by Capital One®

Owners of fair credit businesses (580 to 669)

Apply Now

on Spark® Classic for Business by Capital One®’s secure website.

Compare with

APR on a regular basis

269,9% (Variable)

Credit is required.

Average, Reasonable, and Limited

Every time you swipe, you’ll get 1% cash back.
Build your company’s credit by using it responsibly.
Employee cards may be distributed for free.

Pros

Possibility of obtaining business credit
Fair credit is all that is required.
There is no yearly charge.

Cons

There is no introductory APR of 0%.
No Bonus for registering
High APR

Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.

APR on a regular basis

269,9% (Variable)

Credit is required.

Average, Reasonable, and Limited

Every time you swipe, you’ll get 1% cash back.
Build your company’s credit by using it responsibly.
Employee cards may be distributed for free.

Pros

Possibility of obtaining business credit
Fair credit is all that is required.
There is no yearly charge.

Cons

There is no introductory APR of 0%.
No Bonus for registering
High APR

Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.

Why we like it: Build your credit with the Capital One® Spark® Classic card. It can help you grow your credit score while earning rewards with There is no yearly charge.. With consistent on-time payments, your credit score will grow, and you’ll be eligible for a wider variety of business credit cards.

This easy and straightforward card offers a fixed-rate 1% cash back on all business purchases, with no limits or spend categories. Choose between redeeming rewards as a statement credit or as a paper check. Also, Reward points never run out. This card is our number one choice for the best business credit cards for fair credit.

Consider a Business Credit Card for These Reasons

Build business credit: Issuers disclose your credit history to business credit agencies when you use a business credit card. As your credit history improves and your credit score rises, you’ll be able to apply for cards with bigger credit limits and better benefits.
Applying for a business credit card is a straightforward method to get short-term funding for your company. A company credit card might also be simple to qualify for, depending on your credit history.
Take advantage of promotional financing: Some business credit cards have initial 0% APRs, which may help you finance major purchases or pay off a high-interest credit card bill.
Earn incentives: The majority of business cards provide continuous benefits in the form of discounts on ordinary purchases.
Separate your business and personal funds: Separating your business and personal finances is critical for structuring your company, preserving your personal assets, and making tax season much simpler.

Personal Credit Cards vs. Business Credit Cards

Personal credit cards do not enable you to create business credit; but, business credit cards do. Personal credit cards do not report to company credit agencies, therefore all of your transactions and history on a personal credit card will not help you develop business credit. You’re more likely to be qualified for business cards with the best rewards, bonuses, and advantages if you have a good credit score.

If you want to enhance your company credit and get rewards for business-related expenses like office supplies, phones, and internet, get a small business credit card. If you can’t get a business card or want to earn points on non-business expenditures like groceries or streaming services, go with a personal credit card.

What to Look for When Choosing a Business Credit Card

Think about how you’ll put the card to use: Consider the purchases you intend to make with the card. Will you have to pay for things like petrol, meals, flights, or hotels on a regular basis, or make significant expenditures like office furniture and equipment? The method you plan to use the card should help you choose the right one.
Employee cards: If you have employees, you should look for cards that have spend management features, accounting connectivity, and reporting capabilities.
Weigh fees against perks and rewards: Some cards charge a substantial a yearly fee, while others don’t charge a fee at all. Cards that do charge a large fee tend to give substantial rewards for larger purchases.
Decide if you’ll benefit more from cash rewards or points-based rewards: Cards that offer cash rewards may directly credit your statement, or you may receive a check in the mail. These typically don’t charge an a yearly fee, and their rewards programs are usually straightforward. Points-based cards often charge an a yearly fee, but you have many options for redeeming those points.

To Apply for a Business Credit Card, Here’s What You’ll Need

Firm credit card providers normally need a personal credit score of at least 670 if you’re beginning a new business with no business credit history. Issuers often want a personal guarantee, which implies you’ll be personally accountable for the debt if the company fails to pay.

Fair credit and secured business credit cards, for example, are designed for company owners with personal credit ratings of less than 670. These cards usually have high APRs and poor reward schemes, but they may help you develop or restore your credit history.

When applying for a business credit card, you’ll need to supply basic contact information, company contact information, yearly revenue, and expected monthly spending, among other things.

The Methods We Used to Choose the Best Business Credit Cards

We reviewed dozens of cards and selected the ones that offer the best deals for small business owners: low introductory financing, enticing welcome offers, and robust ongoing rewards. We also considered any monthly or a yearly fees and any significant perks and benefits.

Conclusion

The finest business credit card for you is the one that provides the greatest value and works the hardest to meet your unique requirements. Think about what you’ll buy with the card and how the benefits will help you save money. To make an educated selection, be sure to analyze all of a card’s qualities.

Consider acquiring your credit card from your bank or credit union if you already have an account with them so you may continue to grow your financial connection. You could be able to get a higher interest rate and add more business items to help increase your credit history if you do so.

Check out our Credit Card Marketplace for even more credit card possibilities.

The “small business credit cards for new businesses” are the best way to get a start in the world of finances. These cards offer benefits like no annual fees and low interest rates.

Frequently Asked Questions

Can I use my EIN to get a credit card?

A: You cannot use an EIN to get a credit card.

Is now a good time to apply for a business credit card?

A: If you really want a business credit card, the best time to apply is now.

What is the best credit card to start a business?

A: I am unable to answer that question.

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