Q: I opened a computer store and couldn't get an American Express business card with a 666 credit score. I have had a Wells Fargo secured card for more than three years and still have not graduated to an unsecured card. I keep asking them for a review. What are my top three credit card picks?
A: Sounds like you've paid some dues, and sorry to hear you've had trouble getting answers from Wells Fargo. But if all three credit bureaus assigned you the devilish number of 666, you may have troubles I simply can't help you with.
But seriously, if you've had a secured credit card for three years and you've been making the payments on time, you should certainly be able to qualify for some sort of unsecured card, unless you're already carrying a lot of debt from running the store or there are other black marks on your credit history. You could say the devil is in the details (sorry, couldn't resist).
That said, there are plenty of business-friendly credit cards designed for those with average to good credit scores such as yours. Here are three of our current favorites:
TrueEarnings(R) Business Card from Costco and American Express
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4% cash back for annual gasoline purchases of up to $6,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco
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0% introductory APR on purchases for the first 6 months
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No introductory annual fee with your paid Costco Membership
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Flexible payments-pay in full or over time
Capital One® No Hassle CashSM Rewards - Average
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2% cash back on gas and groceries
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1% cash back on all other purchases
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BONUS: Get up to 15% more cash back when you shop over 300 retailers
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No limit on the cash you can earn and cash won't expire
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Redeem cash rewards any time for any amount, even set up automatic redemption
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0% intro APR on purchases for 12 months
Citi® Platinum Select® MasterCard®
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0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-20.99% based upon your creditworthiness.
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Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
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Citi® Identity Theft Solutions
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Secure, free online account management
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No annual fee (see terms and conditions)
No Comments
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