Are you in search of a BlueVine Business Credit Card? BlueVine offers lines of credit up to $250,000 with rates as low as 6.2%. Explore more today.
Business credit cards are a crucial tool for small businesses to manage their expenses, build credit, and earn rewards. With so many options in the market today, choosing the right one for your business can be overwhelming.
In this article, we will discuss BlueVine Business Credit Cards – what they offer, how they work, and why they may be a good choice for your business.
What is BlueVine Business Credit Card?
BlueVine is a financial technology company that offers small businesses online banking and financing solutions.
It was founded in 2013 and has since grown to become one of the leading providers of working capital to small businesses.
Their products include invoice factoring, lines of credit, and business credit cards.
BlueVine Business Credit Cards
BlueVine offers two business credit cards – the BlueVine Business Debit Mastercard and the BlueVine Business Rewards Mastercard.
Both cards are designed specifically for small businesses and offer a range of benefits to help manage expenses and earn rewards.
BlueVine Business Debit Mastercard
The BlueVine Business Debit Mastercard is a no-fee, no-interest debit card that can be linked to your BlueVine Business Checking account.
This means you can only spend the funds in your checking account, helping you stay within budget and avoid overspending.
Some key features of this card include:
- No annual fee
- No foreign transaction fees
- Unlimited 1% cash back on all purchases
- Access to 38,000+ MoneyPass ATMs nationwide
BlueVine Business Rewards Mastercard
The BlueVine Business Rewards Mastercard is a credit card that offers cash-back rewards on all purchases.
It is designed for businesses with higher spending needs and offers more benefits than debit cards.
Some key features of this card include:
- No annual fee
- No foreign transaction fees
- Earn 1% cash back on all purchases, with the option to increase to 2% or 3% cash back on select categories (such as office supplies, travel, and digital advertising)
- Access to Mastercard Easy Savings program for additional savings on everyday business purchases
Benefits of BlueVine Business Credit Card
Using BlueVine Business Credit Card for your small business has several benefits. These include:
- Better cash flow management: With the debit card, you can only spend what’s in your account, and with the credit card, you have a revolving line of credit to help manage expenses.
- No annual or foreign transaction fees: This helps save money on unnecessary charges and allows you to put those funds towards growing your business.
- Cash back rewards: Both cards offer cash-back rewards on all purchases, helping you save money on everyday expenses.
- Easy expense tracking: All transactions are automatically categorized in the BlueVine dashboard, making tracking and managing expenses easy.
Eligibility Criteria And Application Requirements
To be eligible for a BlueVine Business Credit Card, you must meet the following criteria:
- Have a business checking account with BlueVine
- Be based in the United States
- Have a valid Social Security number or Individual Taxpayer Identification Number (ITIN)
The application process is simple and can be completed online.
You will need to provide basic information about your business, such as revenue and type of industry, along with personal data for the business owner.
Comparing BiueVine to Traditional Business Credits Cards
BlueVine Business Credit Cards offer several advantages over traditional business credit cards:
- No annual or foreign transaction fees: Most traditional business credit cards charge annual and foreign transaction fees, cutting your bottom line.
- Higher cash back rewards: BlueVine offers up to 3% cash back on select categories, while most traditional business credit cards only offer 1% or less.
- More manageable application process: BlueVine does not require a personal guarantee or a minimum credit score, making it easier for small businesses to qualify.
Tips for Maximizing the Benefits of Your BlueVine Business Credits Cards
To get the most out of your BlueVine Business Credit Cards, here are some tips to keep in mind:
- Use the debit card for everyday expenses and the credit card for larger purchases.
- Take advantage of the cash-back rewards by using the card for business expenses such as office supplies, travel, and advertising.
- Pay off your balance in full each month to avoid interest charges.
Customer Reviews and Testimonials
BlueVine Business Credit Cards have received positive customer reviews, many praising the ease of use and the cash-back rewards.
Some common themes in customer reviews include:
- Excellent customer service
- Quick and easy application process
- Great for managing expenses and earning rewards
Potential Drawbacks and Limitations
While BlueVine Business Credit Cards offer many benefits, there are some potential drawbacks and limitations to consider before applying:
- Limited availability: BlueVine does not currently offer credit cards in all states.
- No introductory APR period: Unlike traditional business credit cards, BlueVine does not offer an essential 0% APR period for new cardholders. This means you will start accruing interest from the first use of your card.
Security Measures and Fraud Protection
BlueVine takes security seriously and offers several measures to protect your account from fraud and unauthorized purchases:
- EMV chip technology: All BlueVine cards have a web-based chip that provides enhanced protection against fraudulent transactions.
- Mastercard Zero Liability Protection: You are not liable for unauthorized purchases on your card.
- Real-time alerts: You can receive text or email alerts for any suspicious activity on your card.
BlueVine’s Role in Supporting Small and Growing Businesses
BlueVine was founded in 2provideith, providing small and growing businesses easy access to financing and financial tools.
In addition to offering business credit cards, BlueVine also provides invoice factoring, lines of credit, and term loans.
They have funded over $2 billion in working capital for thousands of businesses across the United States.
By offering affordable and accessible financial solutions, BlueVine is helping to support and empower small business owners to achieve their goals.
So whether you’re just starting out working to grow your existing business, a BlueVine Business Credit Card can be a valuable tool in managing expenses and earning rewards while on your entrepreneurial journey.
With its user-friendly features, competitive benefits, and commitment to supporting small businesses, BlueVine is a strong choice for any business owner in neeneedingcial assistance.
So why wait? Apply for a BlueVine Business Credit Card today and take your business to the next level! Note: all benefits and features mentioned are subject to change at the discretion of BlueVine.
In conclusion, BlueVine Business Credit Cards offer a range of benefits and features that make it a valuable tool for small business owners. With no annual or foreign transaction fees, cash-back rewards, and easy expense tracking, these cards can help improve cash flow management and save money on everyday expenses. To apply, meet the eligibility criteria and provide the necessary information online. With positive customer reviews and a commitment to supporting small businesses, BlueVine is a trusted and reliable financial partner for any business owner. Don’t let financing hold prevent you from achieving your entrepreneurial goals – choose BlueVine Business Credit Cards for accessible and affordable financial solutions. So don’t wait any longer; apply today and start reaping the benefits for your business! Note: all benefits and features mentioned are subject to change at the discretion of BlueVine. Thank you for choosing BlueVine as your financial partner; we look forward to helping your business succeed! Keep aWatchuture updates and enhancements to our credit card offerings. Happy business building!
Can I use my BlueVine Business Credit Card for personal expenses?
No, BlueVine Business Credit Cards are intended for business use only. Using the card for personal expenses may result in account closure.
Is there a limit to how much cash back I can earn with my BlueVine credit card?
Yes, the maximum amount of cash back you can earn depends on your spending category and the specific card you have. Please refer to our website for more details.
Can I add additional employees as authorized users on my BlueVine credit card?
Yes, you can add authorization to your account and set spending limits for each user. This can help with managing employee expenses and earning rewards on their purchases. Note: adding authorization may incur additional fees. All fees are subject to change at the discretion of BlueVine. For more details, please refer to our website.
How long does it take to receive my BlueVine Business Credit Card?
Once your application is approved, you should receive your card within 7-10 business days if they notify you via email or phone.
Can I manage my BlueVine credit card account online?
You can easily manage your account and track expenses through our user-friendly online portal. You can also set up automatic payments and receive real-time alerts for suspicious activity. Note: internet access is required to use the online