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Advanta »
Credit Card Reviews » Business Platinum MasterCard® |
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In-Depth Credit Card Review: |
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Business owners are busy enough without have to scramble to keep track of their finances. With an Advanta Platinum BusinessCard, issued by Advanta, you can let your business credit card do some of the heavy lifting for you. This credit card can help you keep your finances in order, give you access to affordable credit, and get you benefits that are tailored specifically to your life and needs as a business owner.
The costs associated with owning a business are heavy enough on their own'you shouldn't have to pay to use a credit card as well. And with an Advanta Platinum BusinessCard, you don't have to. Advanta Platinum BusinessCards come with absolutely no annual fee, so that you never have to worry about the cost of the business credit card you carry.
Advanta Platinum BusinessCards have an excellent introductory rate of 0% on purchases and balance transfers. Not only does that give you the option of consolidating your debt under one 0% interest card, but it can give you the time you need to pay that debt off. The introductory period on an Advanta Platinum BusinessCard is a full twelve months, giving you an entire year of financial flexibility without accruing any additional interest. Whether you use it for balance transfers or everyday business expenses, a 0% interest rate will held keep your overhead down and keep your business thriving.
Even after the introductory period ends, Advanta Platinum BusinessCards have a reasonably affordable interest rate. Keep in mind, though, that while carrying a balance won't cost you a thing during the introductory period, it can get a bit pricey after it ends. After this time, the APR on all your card transactions can be tied to the highest Prime Rate during the ninety-day period surrounding them, so your APR may never be as low as might have been possible.
Still, the Advanta Platinum BusinessCard comes with great user benefits. This card gives you auto rental insurance and extended warranty coverage, so you can feel secure on the road and with your purchases. It also provides itemized expense reports and online account access, so that you always have access to the financial information you need to run your business smoothly. And, your card can get you great discounts on a variety of business products and services from different retailers and merchants.
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| (Review Updated: March 13, 2008) |
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0% Intro APR on Purchases, Balance Transfers for 12 months
13.74% Regular Variable APR for Purchases
13.74% Regular Variable APR for Cash Advances |
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see terms Grace Period |
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| (* 0% Intro APR on Balance Transfers and Purchases for 12 Months) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $19 if balance is less than $250; $39 if balance is $250 or more |
| Over-The-Limit Fee: $15 on balances under $501; $29 on balances between $501 and $1,001; and $39 on balances over $1,001 |
| Cash Advance Fee: 3%, $5 minimum ($50 maximum for convenience checks) |
| Balance Transfer Fee: 3%, $5 minimum, $50 maximum (with this introductory offer) |
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| Minimum Credit Limit: see terms* |
| Maximum Credit Limit: $50,000 |
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| Type of Reward: None |
| Additional Nones: None |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Business Platinum MasterCard®: |
Various Internet account related services.
Personalized business design.
Personalized business checks.
Personalized billing date.
Online statements and management reports.
Auto rental insurance.
Purchase protection.
Extended warranty for purchases.
Discounts on products and services at participating merchants and retailers.
Compatible with Quicken® and Microsoft Money® software.
See website for additional benefits. |
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| Important Notes for Business Platinum MasterCard®: |
The APR is based on the highest Prime Rate during a 90-day period.
The APR for cash advances varies according to the applicant's credit history and will be either 5.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Business Platinum MasterCard® was updated on March 13, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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