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American 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 cou

American 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 founder, and spending $xx,xxx a month on traffic. Getting 2% of that back was actually pretty sweet, considering my margins were 15-20% in general.

sedachv 10y ago
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.
- nommm-nommm 10y ago
  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.
- strictnein 10y ago
  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.
  - sedachv 10y ago
    American Express SimplyCash Business Platinum has the standard one statement month-long interest deferral, 3% cash back on telecom bills and 3% cash back in a category you choose (shipping expenses, advertising, travel, some other ones I forget), no annual fee, and no minimum redemption amount. If you get both the SimplyCash card and the Spark card you can use each accordingly to maximize the cash back percentage, and get all the cash back accrued as statement credits every month. It is a small improvement to cash flow that adds up.
    - gleb 10y ago
      There is Plus: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279 https://www.americanexpress.com/us/small-business/credit-car... 3% is limited to first $50k of expenses though. Don't see Platinum. Does Platinum have a limit on 3%?
- nodesocket 10y ago
  +1 on Capital One Spark. 2% back on all transactions with no limit and $500 bonus when you spend $4,500 within first three months.

sedachv 10y ago

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.

nommm-nommm 10y ago
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.
strictnein 10y ago
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.
- sedachv 10y ago
  American Express SimplyCash Business Platinum has the standard one statement month-long interest deferral, 3% cash back on telecom bills and 3% cash back in a category you choose (shipping expenses, advertising, travel, some other ones I forget), no annual fee, and no minimum redemption amount. If you get both the SimplyCash card and the Spark card you can use each accordingly to maximize the cash back percentage, and get all the cash back accrued as statement credits every month. It is a small improvement to cash flow that adds up.
  - gleb 10y ago
    There is Plus: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279 https://www.americanexpress.com/us/small-business/credit-car... 3% is limited to first $50k of expenses though. Don't see Platinum. Does Platinum have a limit on 3%?
nodesocket 10y ago
+1 on Capital One Spark. 2% back on all transactions with no limit and $500 bonus when you spend $4,500 within first three months.