If you are business owner and want to use a single card to consolidate all your business expenses, then Advanta Customizable Platinum BusinessCard with Unlimited Rewards is a credit card for business you should consider using.
- Our rating: A
- Interest rate: 0% APR on balance transfers for 15 months; 7.99% fixed APR thereafter;
- Earning rewards: one point for each $1 in Net Purchases
- Reward options: unlimited rewards
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As part of the rewards program, the cardholder can choose between the cash back rewards program or the travel rewards.
Cash Back Rewards
The cash back rewards are earned on net purchases only and there’s no limit to the rewards earned. Cash Back rewards are paid by check and mailed following any billing cycle in which unpaid earned rewards reach $50.
The amount of cash back rewards is based on the annual level of Net Purchases:
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- 0.25% on up to $3,000 in purchases
- 0.50% on purchases between $3,000.01 and $5,000;
- 0.75% on purchases between $5,000.01 and $15,000;
- 1% on purchases in excess of $15,000.
Cash back rewards are also earned on Bonus Qualifying purchases which include purchases such fuel, computers &computer supplies, electronics and office supplies, online advertising services, and utilities and telecommunications. For these, the cash back rewards are earned as follows:
- 5% on up to $1,200 in annual purchases
- 1% on purchases in excess of $1,200.
Points – travel rewards
The cardholder earns one point for each $1 in Net Purchases. There isn’t any limit to how many points can be earned but points expire 36 months after they are earned. Points can be redeemed for travel, certificates and merchandise.
The card has no annual fee and there’s no limit on the total rewards the cardholder can earn. The APR is 0% on balance transfers for 15 months and 7.99% fixed APR thereafter. The cash advance APR is 19.99%. The late payment fee is $19 on balances under $250, otherwise $39.
The card also comes with travel insurance, auto rental insurance and other common features for the platinum cards (including the possibility to personalize your card).
If you carry a balance occasionally on your card and plan to take advantage of the rewards offered by it, then Advanta Customizable Platinum BusinessCard with Unlimited Rewards is the perfect card for you.
If the Advanta Customizable Platinum BusinessCard with Unlimited Rewards isn’t the one for you, read about the many other many other options in both credit cards for business and airmile credit cards.