MCAFax finance
Business credit card reviews
Credit card reviews are a mode of the one MCAFax Finance skill. It asks about your spend, your credit, and your goal, then ranks a shortlist from this dataset. A 0% intro APR is one way to cover a short cash gap. A merchant cash advance is another, and the two are not the same product.
Not financial advice; terms change, confirm with the issuer.
MCAFax may receive compensation from some providers. It does not affect our grades or what we show you.
As of 2026-10-27. Each fact was read from that card's issuer page on the date shown. Not stated means the page did not say it. Not stated is not a zero and it is not a no. This page does not assign a grade. The dataset is also at /v1/cards.
Install the finance skill on Skills. Credit card reviews come with that one skill. There is no separate download. Download finance.zip.
Yes on personal guarantee means the issuer's terms say the applicant is jointly and severally liable with the company for charges.
Ink Business Unlimited Credit Card
Chase
- Annual fee
- $0
- Intro APR
- 0% intro APR for 12 months from account opening on purchases.
- Purchase APR
- 16.99% to 24.99% variable, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.
- Rewards
- Unlimited 1.5% cash back on every purchase. $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening. The new cardmember bonus may not be available if you have ever had this card or any other Chase for Business card with a $0 annual fee.
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Issuer page Rates and fees
As of 2026-10-27
Ink Business Cash Credit Card
Chase
- Annual fee
- $0
- Intro APR
- 0% intro APR for 12 months from account opening on purchases.
- Purchase APR
- 16.99% to 24.99% variable, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.
- Rewards
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. 1% cash back on all other purchases. $750 cash back after you spend $6,000 on purchases in the first 3 months after account opening. The new cardmember bonus may not be available if you have ever had this card or any other Chase for Business card with a $0 annual fee.
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Issuer page Rates and fees
As of 2026-10-27
Blue Business Plus Credit Card
American Express
- Annual fee
- $0
- Intro APR
- 0% introductory APR on purchases for the first 12 months from the date of account opening.
- Purchase APR
- After the intro period, 16.99% (Prime Rate + 9.99%) to 28.74% (Prime Rate + 21.74%), based on creditworthiness and other factors as determined at account opening. This APR varies with the market based on the Prime Rate. Variable APRs will not exceed 29.99%. The issuer listed variable APRs as accurate as of 2026-10-27.
- Rewards
- 2X Membership Rewards points on the first $50,000 of eligible purchases per calendar year, then 1X points. Eligible purchases on AmexTravel.com also earn 2X points and do not count toward the $50,000.
- Credit needed
- Not stated
- Personal guarantee
- Yes
- Reports to personal credit
- Not stated
The applicant, as an individual and the authorizing officer, agrees to be jointly and severally liable with the company for all charges to the account.
Issuer page Rates and fees
As of 2026-10-27
Platinum Plus Mastercard Business
Bank of America
- Annual fee
- $0
- Intro APR
- 0% introductory APR on purchases for the first 15 billing cycles.
- Purchase APR
- After the intro APR offer ends, a variable APR currently 14.99% to 25.99%.
- Rewards
- Not stated
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Issuer page
As of 2026-10-27
Ink Business Preferred Credit Card
Chase
- Annual fee
- $95
- Intro APR
- Not stated
- Purchase APR
- 17.99% to 26.99% variable, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.
- Rewards
- 3 points per $1 on the first $150,000 spent in combined purchases each account anniversary year on shipping, advertising purchases made with social media sites and search engines, internet, cable and phone services, and travel. 1 point per $1 on all other purchases. 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening. The new cardmember bonus may not be available if you have ever had this card.
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Issuer page Rates and fees
As of 2026-10-27
Ink Business Premier Credit Card
Chase
- Annual fee
- $195
- Intro APR
- Not stated
- Purchase APR
- Flex for Business variable APR 17.99% to 28.74%, based on creditworthiness and other factors. These APRs vary with the market based on the Prime Rate.
- Rewards
- 2.5% cash back on every purchase of $5,000 or more. 2% cash back on all other purchases. 5% cash back on travel purchased through Chase Travel. $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. The new cardmember bonus may not be available if you have ever had this card.
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Issuer page Rates and fees
As of 2026-10-27
Business Gold Card
American Express
- Annual fee
- $375
- Intro APR
- Not stated
- Purchase APR
- Pay Over Time APR 17.99% (Prime Rate + 10.99%) to 28.74% (Prime Rate + 21.74%), based on creditworthiness and other factors as determined at account opening. This APR varies with the market based on the Prime Rate.
- Rewards
- 4X Membership Rewards points on the top 2 categories where the business spends the most each billing cycle, on the first $150,000 in combined purchases each calendar year, then 1X. The 6 categories are U.S. media providers for advertising in select media (online, TV, radio); U.S. electronic goods retailers and software and cloud system providers; U.S. restaurants, including takeout and delivery; U.S. gas stations; transit (trains, taxicabs, rideshare, ferries, tolls, parking, buses, and subways); and monthly wireless telephone service charges from a U.S. provider. 3X points on flights and prepaid hotels booked on AmexTravel.com. 1X points on other eligible purchases. Effective February 17, 2027, select merchants only for some of those categories.
- Credit needed
- Not stated
- Personal guarantee
- Yes
- Reports to personal credit
- Not stated
The rates and fees page lists a Pay Over Time APR and does not list an introductory purchase APR. The applicant agrees to be jointly and severally liable with the company for all charges.
Issuer page Rates and fees
As of 2026-10-27
Spark Cash
Capital One
- Annual fee
- $0 for the first year, then $95
- Intro APR
- Not stated
- Purchase APR
- 24.74% variable
- Rewards
- Unlimited 2% cash back on every purchase. $1,000 cash bonus when you spend $10,000 in the first 3 months. 5% cash back on hotels and rental cars booked through Capital One Business Travel.
- Credit needed
- Excellent
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Issuer page
As of 2026-10-27
Spark Cash Plus
Capital One
- Annual fee
- $150. Refunded each year you spend at least $150,000.
- Intro APR
- Not stated
- Purchase APR
- Not stated
- Rewards
- Unlimited 2% cash back on every purchase. $2,000 cash bonus when you spend $30,000 in the first 3 months. An additional $2,000 bonus for every $500,000 spent in the first year. 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
- Credit needed
- Excellent
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
The page says the card is designed to be paid in full, with an option to carry over a portion of the balance with interest. It did not state a purchase APR or an intro APR.
Issuer page
As of 2026-10-27
Business Advantage Unlimited Cash Rewards Mastercard
Bank of America
- Annual fee
- $0
- Intro APR
- Not stated
- Purchase APR
- Not stated
- Rewards
- Unlimited 1.5% cash back on purchases. If you have a Bank of America business checking account and qualify for Preferred Rewards for Business Platinum Honors, the page states up to an unlimited 2.62% cash back.
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
The page named an introductory APR offer and a $500 cash rewards bonus offer. The intro APR percent, the number of billing cycles, and the bonus spend requirement were blank on the page.
Issuer page
As of 2026-10-27
Business Advantage Customized Cash Rewards Mastercard
Bank of America
- Annual fee
- $0
- Intro APR
- Not stated
- Purchase APR
- Not stated
- Rewards
- 3% cash back in the category of your choice and 2% cash back on dining purchases, on the first $50,000 in those combined purchases each calendar year, then 1%. 1% cash back on all other purchases.
- Credit needed
- Not stated
- Personal guarantee
- Not stated
- Reports to personal credit
- Not stated
Read in the Customized Cash Rewards section of the Bank of America business cash-back page. That section named an introductory APR offer and a $500 cash rewards bonus offer. The intro APR percent, the number of billing cycles, and the bonus spend requirement were blank on the page.
Issuer page
As of 2026-10-27