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May 20, 2020

Essential Work Travel: 6 Tips To Stay Safe While Traveling During Coronavirus (& 4 Alternatives To Travel)

Social distancing has become the new normal in the wake of COVID-19, and business travel has unsurprisingly been limited in the recent days and months. However, with states slowly beginning to relax restrictions and businesses struggling to make a buck, the desire to return to usual work travel is understandably becoming more common.

Despite the easing of restrictions, COVID-19 itself isn’t easing up anytime soon. As such, it’s normal to pause before booking your business’s next flight out or scheduling a meeting in another state. Putting your employees in harm’s way is never an easy decision.

So should you or your employees travel for work? And if business travel is necessary, how can you venture out safely? These certainly aren’t simple questions to answer, but we’ve taken a crack at providing clarity so you can have a sense of how to handle the current situation.

Read on for more information on business travel during the COVID-19 pandemic.

Work Travel Will Return As Quarantine Restrictions Are Lifted

COVID-19 drastically shut down the US through local government-imposed stay-at-home orders. Besides affecting local businesses operating out brick-and-mortar locations, these stay-at-home orders also curbed business travel. An April survey by the Global Business Travel Association, a trade organization for corporate travel managers, found that 92% of the nearly 1,000 company members queried had halted domestic travel in face of the pandemic. Numerous industry conferences have been canceled as well, while large companies like Google and Square have placed restrictions on employee travel.

This stoppage in business travel certainly helped provide a hit to the travel industry — data-hoarding company Statista forecasted 470 million business trips by US travelers in 2019. With such a big role in the travel economy, a lack of business travel has played a role in the danger that now faces airline companies, with many eyeing October 1 as a potential date for massive layoffs in the air industry. Meanwhile, a recent study by Facebook reveals that 43% of hotels, cafes, and restaurants have closed down since February. The past several months have certainly been a bleak time for both the travel industry and businesses that rely on frequent travel.

It’s not all economic gloom and doom, though, as restrictions are being eased across the US, potentially sparking an uptick in business travel. According to The New York Times, only four states are still shut down as of May 20. 36 are nearly “universally” reopening while 10 are regionally opening. With restrictions lifted on retail stores, restaurants, and forms of outdoor recreation, more and more travelers will be willing to hit the road.

The numbers support this — at least in airports, which have been getting busier throughout May. During the midst of heavy quarantine restrictions in mid-April, TSA saw as few as 87K travelers go through security checkpoints in a day throughout the US. In May, TSA has now had multiple days of at least 250K travelers venturing through checkpoints. While 250K isn’t anywhere close to the 2 million-plus who went through checkpoints daily this time last year, it’s still a substantial boost from the lows in April.

So even though things may still be restricted in some way, people are now able to go out and about more often — and travel numbers are ticking up as a response. It’s reasonable to then assume that business travel will only become more frequent as more of the economy opens up.

What The Law Says About Travel

Because countries and states all have different regulations and guidelines regarding travel during the COVID-19 crisis, it’s hard to make a sweeping statement about the legality of travel at this time.

We do know that travel abroad will remain difficult for the foreseeable future. For instance, many countries across the globe have locked down their borders to foreigners or require two-week quarantines for incoming travelers. Some international travel destinations are looking more promising for the summer, though, with countries such as Belgium, Greece, and Iceland planning to ease restrictions as soon as June and July.

It is a bit easier to travel domestically within the US. However, some states — such as Alaska, Maine, and Texas — have instituted 14-day quarantine requirements for out-of-state travelers. If you plan for business travel to such states, your options may be limited.

Of course, many states are in the process of easing restrictions — making the precise rules a fast-paced and ever-changing beast. As such, we suggest you hunt down the guidelines for the state or states your business intends to travel to before actually booking any flights or hotels.

All told, the CDC recommends that people stay home as much as possible and that all non-essential travel is curtailed — including both domestic and international. While it is unlikely for you to be arrested for traveling, the CDC does have the ability to detain, detain, medically examine, and release those who arrived into the US or traveled between states and are suspected of carrying communicable diseases under 42 Code of Federal Regulations parts 70 and 71.

You may also want to consider the legal ramifications in case an employee gets COVID-19 while on the road traveling. Since these are unprecedented times, it’s unclear if businesses will face any sort of legal woes for requiring employees to travel for work.

However, a New York Times article on professional conferences does note that “some attorneys are concerned” that if a business sends an employee to a conference and that employee contracts the virus, the liability may be saddled on the business. Because of these murky waters, we advise that you consult a legal professional, if possible, before sending employees on trips.

Tips & Precautions For Essential Travel

The CDC has provided guidelines to determine essential travel within the US. If you do consider your business’s travel essential based on the CDC’s guidelines, there are a few ways you can improve the safety of both your employees and the communities they’ll visit. Here are our tips for businesses with essential travel:

1. Avoid Hot Spots

Limit or fully eliminate travel to areas (such as specific counties or cities) that are seeing recent COVID-19 outbreaks. Because these areas — commonly referred to as “hot spots” — are seeing increased numbers, you or your employees may be at greater risk to contract the virus by traveling there.

One example of a hot spot location is Illinois — and specifically Chicago. Illinois saw over 4,000 positive tests — a peak for the state — as recently as May 12, per NPR. Cook County, where the heart of Chicago is located, has been hit particularly hard, with one in 81 of the county’s population testing positive for the virus as of May 20. Another example hot spot includes Worcester, Massachusetts, which recently saw 81 workers at a local Walmart test positive for COVID-19, according to the Boston Globe.

The New York Times has created a coronavirus map that details hot spots throughout the country. You can also view raw COVID-19 numbers broken down by state over on IHME’s healthdata.org.

2. No Travel For Those With Symptoms

Institute a policy that no employee should travel if they have any symptoms of COVID-19. Besides potentially limiting the spread of the virus, doing so could ease stress on your employees — especially if their symptoms worsen.

According to the CDC, the most common symptoms of COVID-19 include:

Coughing
Short of breath or difficulty breathing
Fever
Chills
Muscle pain
Sore throat
New taste or smell loss

3. Encourage Safe Travel

Because not all carriers of COVID-19 exhibit symptoms, it’s important that travelers wear a cloth face covering while in public. Also note that for the time being, many major airline carriers are requiring fliers to wear face masks on the airplane. With this in mind, if your business requires air travel, a mask may simply be a necessity for you or your employees to even get on a plane.

Additionally, urge that your employee travelers engage in frequent hand washing, don’t touch their eyes and face, and maintain proper social distancing where possible. Hands should be washed with soap and water for at least 20 seconds while individuals should physically keep six feet apart. If soap and water aren’t available, hand sanitizer of at least 60% alcohol can be used as a substitute.

If it is financially feasible, consider giving masks and hand sanitizer to your employees who travel. Besides building goodwill with your team, doing so can also help encourage that the proper safety protocols are followed by your business’ travelers.

4. Have Employees Self-Quarantine After Trips

When an employee travels in the coming weeks and months, consider requiring that they self-quarantine after returning home. Per the CDC’s guidelines, symptoms take between two and 14 days before appearing. Because of this, we recommend that when possible, you require employees to stay home for two weeks after returning from a trip. You should especially require 14-day quarantines for employees who have traveled to and from coronavirus hot spots.

This rule should be followed for both work and personal travel. In fact, it may be wise for your business to log any time an employee travels, whether for work or personal reasons. Doing so will enable your business to know who should stay in self-quarantine for two weeks.

5. Create A COVID-19 Travel Policy

Having a company policy outlined for travel during the pandemic can ease confusion as employees make plans for the coming months. It should be simple and to the point — make it no longer than one page. It should answer basic questions such as:

“Who can travel?”
“What reasons for travel are essential?”
“How can we minimize risk during travel?”

If you have access to legal counsel or employ human resource specialists, we recommend working with them to come up with a policy that fits your business and your employees.

6. Be Flexible

When you get down to it, your business is made up of people. It’s important to listen to those people and be flexible if they can’t or don’t want to travel during the pandemic.

For instance, if an employee lives with someone who is immunocompromised or otherwise part of an at-risk group, it may be unwise for that employee to be traveling and interacting with many people outside the home. Instead, try to figure out a way that employee could do their tasks from home.

Alternatives To Consider Before Traveling

Until restrictions are fully lifted, and we can safely travel without any worry of contracting or spreading COVID-19, we recommend that you do your best to avoid business travel. Here are a few ways you can still do business without setting foot on an airplane or hitting the road:

1. Work From Home

As a remote company since inception, we at Merchant Maverick have plenty of experience working from home. Working from home can allow employees to enjoy more flexible hours as well as saving money (and time) on commuting. Some employees may find it easier to concentrate in a non-office setting, too.

If it’s at all possible, make sure that your employees that can work from home are doing so. This can limit any potential spread of the virus in your community — and especially so if some employees will also be needing to travel.

While working from home can seem like a daunting task, research has indicated that working from home may actually boost productivity and worker concentration. This has helped convince numerous businesses to be more open to at-home work during COVID-19’s crisis. In fact, several larger companies — most notably Square and Twitter — have been happy enough with their employee’s work that they’ve already indicated they’ll allow workers to continue working from home even after the pandemic’s impact subsides.

2. Use Video Chat

If you are considering traveling or having employees travel for a work-related meeting, attempt to schedule the meeting using video conference software. While not all meetings can take place over video chat,Â many should work just fine with remote participants.

For instance, Merchant Maverick uses Zoom to hold a weekly coffee hour. We also have other meetings between teams using Google Meet, which is baked into Google’s G Suite. Since video chats let you see who else is talking, you may have better and more rewarding interactions than you might with phone calls.

Besides Zoom and Google Meet, video conferencing options include Skype and GoToMeeting. For more information on choosing video chat software for your business — as well as other options — check out Merchant Maverick’s guide to the best video conferencing services.

3. Sign Up For A Messaging Service

Not all interactions require video chat — that’s where text messaging services come in. These services can allow your business to communicate with one another on the fly more casually than video chatting or phone calls.

At Merchant Maverick, we use Slack daily. This service allows us to collaborate within teams or reach out to others individually. For many of us at Merchant Maverick, using Slack has simply become second-nature — it helps us improve communication over more traditional calls or email.

Slack isn’t the only player on the block. Twist is another solid option, while Microsoft Teams offers a good experience for businesses tied into the Office 365 ecosystem. For more details on which messaging service might work for your business, visit our guide to the best communication apps.

4. Email More

If video chat or dedicated messaging services won’t cut it, good old-fashioned email may be able to do the trick instead.

Email is fairly ubiquitous. According to Statista, over 4 billion users worldwide will have email access by the end of 2020. As such, communicating with email may be an excellent option to replace non-essential work-related travel — many vendors and other businesses outside your company should already be set up to communicate via email.

Keep Yourself & Your Employees Safe During Coronavirus

At the end of the day, you’ll need to decide which trips are worth the risk for your business. What counts as an essential trip will vary from business to business and from industry to industry. No matter what, make sure to take proper precautions that can keep you, your employees, their families, and the community-at-large safe during these troubled times.

For more of Merchant Maverick’s continuing coronavirus coverage, visit our small business resource hub for COVID-19.

The post Essential Work Travel: 6 Tips To Stay Safe While Traveling During Coronavirus (& 4 Alternatives To Travel) appeared first on Merchant Maverick.

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March 17, 2020

When & How To Get Your Money Back If You Cancel Business Travel Because Of The Coronavirus

With the COVID-19 coronavirus pandemic spreading throughout the world, travel plans have been impacted for both personal and business travelers alike. For small businesses especially, canceled plans may cause expenses you just can’t afford right now.

If you’ve booked your business travel with a credit card that includes travel insurance, you may be wondering if you can cancel your plans and get some or all of your money back. Unfortunately, credit card travel insurance is often fraught with language that excludes trips canceled “due to fear of getting sick.” This means you may find it difficult to get a full reimbursement if you cancel a trip solely because you don’t want you or your employees exposed to the coronavirus.

However, many airlines are working with customers on flight changes and hotels are being more flexible with their cancellation policies. Most big airlines are waiving flight change fees up through the next month. This means that if you can reschedule your trip (or use your booking for a different trip planned further out), you may be able to avoid eating all the costs.

Let’s dive into the full nitty-gritty below.

Does Trip Interruption Insurance Cover COVID-19?

A number of credit cards offer travel cancellation and trip interruption insurance when you pay for travel with the card. However, whether these travel insurance plans cover the coronavirus is something you’ll have to discover on a case-by-case basis.

Many credit cards exclude epidemics and pandemics from travel insurance coverage. Additionally, you may be out-of-luck if travel providers (such as airlines or hotels) cancel your travel arrangements (be it flights, hotel rooms, or rental cars). Other potential exclusions include situations where a travel provider goes bankrupt and can no longer offer to offer the service you’ve booked. All told, the possibility of your return flight getting canceled or you getting sick probably isn’t enough to induce travel insurance to cover your costs.

However, some credit cards do cover situations where you have been medically advised not to travel, a family member has a life-threatening illness, or you are quarantined by a physician or the government. If you or a travel companion qualifies for one of these cases, you may be eligible to have your costs covered by your credit card’s travel insurance.

To determine whether or not your specific credit card will cover you right now, you should carefully peruse your card’s benefits document. You may still have a paper copy of your benefits that the issuer sent out after you were approved for the card. You can also often access the details of your card’s benefits on your issuer’s online portal.

Something worth noting is that signing up for additional travel insurance may not protect you any better than just plain old credit card insurance does. These more “traditional” travel insurance plans still might contain language that excludes coverage if you cancel over worries about getting sick — unless you sign-up for an expensive “cancel for any reason” plan.

Because providers of credit card insurance seem to be waffling on their coverage, we recommend that you first contact airlines and hotels to see if you can either receive a refund or change your bookings to a different date.

Coronavirus-Specific Travel Policies

Specific travel policies regarding the coronavirus will depend on who you booked travel with and through. In most cases, you’ll find that the travel providers you booked with will be the most likely parties to issue refunds or waive change fees. If that doesn’t work, then you can try reaching out to the provider of your credit card insurance.

Airlines

Several airlines have provided information regarding flight changes due to the coronavirus:

Air France: Trips booked for before May 31 can be postponed to no later than November 30 without change fees. More information is available via Air France’s press release.
Alaska Airlines: Tickets purchased on or before February 26 for flights between March 9 and April 30 can be changed or canceled without a fee, per Alaska. Canceled flight funds will be credited for future fares.
American Airlines: Change fees are waived for those who book travel through March 31. More information can be found on American Airlines’ coronavirus updates page.
British Airways: Bookings made from March 3 to May 31, as well as existing bookings up to May 31, can have both the destination and date of travel changed for free. More details are available on the British Airways’ website.
Delta Airlines: Any Delta ticket for flights in March or April is rebookable without change fees until December 31. Delta also has a coronavirus updates page.
JetBlue: Those traveling March 10 through April 30 will have change fees waived, according to JetBlue’s travel alerts page. For cancellations, JetBlue will credit the fare amount in the form of travel credit that is valid for one year.
Southwest Airlines: Southwest does not charge customers change or cancellation fees. Airfare from canceled plans can be credited for a future trip up to one year after the original purchase date. Southwest has set up a coronavirus information page.
United Airlines: Flights booked now through March 31 can be changed for free over the next 12 months. Additionally, all tickets issued on or before March 2 with original travel dates between March 9 and April 30 can be changed without a fee. More info can be found on United’s website.

Hotels & Lodging

If you booked with one of these hospitality firms, you may be able to receive some financial relief:

Airbnb: Reservations made on or before March 14 with a check-in date before April 14 can be canceled before check-in without a fee. Hosts can also cancel bookings without a charge or change to their Superhost status. For more information, visit Airbnb’s policy page regarding the coronavirus.
Choice Hotels: For those traveling within the US and Canada, changes or cancellations may be made without a charge up to 24 hours before arrival as long as the change/cancellation is made before April 30. A press release contains more info.
Hilton: All reservations scheduled for arrival before April 30 can be changed or canceled without a fee up to 24 hours before arrival. Hilton has more details, as well as information about the Hilton Honors program, on its website.
Hyatt: Any reservation for arrivals before April 30 can be changed or canceled at no charge up to 24 hours before the scheduled arrival. Hyatt has posted more details on its website.
IHG: Cancellation fees for existing and new bookings up through April 30 have been waived. IHG has updated its travel advisory page for coronavirus information.
Marriott: Cancellations and changes made before April 30 can be done at no charge up to 24 hours before the scheduled arrival date. Marriott’s press release has more info.

Credit Cards

Here’s a quick rundown of what a few of the bigger credit card companies are doing for travelers:

American Express: Amex has created a coronavirus hub for travel customers. For bookings made through American Express Travel, Amex will be honoring their travel partners policies and plans to waive fees on flight modifications or new bookings made through April 30. American Express further offers a FAQs page for trip cancellation/interruption insurance regarding the coronavirus and its credit cards.
Capital One: A FAQs page covering travel insurance and the coronavirus is up on Capital One’s website. Capital One advises customers to contact Visa or Mastercard directly with questions regarding travel insurance. For trip changes, Capital One recommends reaching out to the travel providers you booked with.
Chase: Chase suggests reaching out to travel partners, according to a support page on its website. Otherwise, Chase recommends that cardmembers check their benefit details or to reach out to Chase’s customer service with questions.

Other Ways To Get Your Money Back

Unfortunately, it may be difficult to trigger your travel insurance unless you get sick or are ordered to otherwise stay home by a doctor or the government. And because airlines aren’t simply offering free refunds, you may wind up being on the hook for travel costs. However, airlines are relaxing their change policies. This means that if you can change your plans to a later date or if you can change your flights for a different trip down the line, you may be able to soften the financial blow to your business.

If you find yourself unable to cover travel costs right now, you may be eligible to apply for a line of credit. Other financial help can be found via SBA disaster loans or emergency business loans. To save money elsewhere, look at what your credit card issuer is doing to work with those struggling to make credit card payments due to the coronavirus.

For more small business guides covering the coronavirus pandemic, check out Merchant Maverick’s hub.

For all general coronavirus information, we suggest visiting the CDC website.

The post When & How To Get Your Money Back If You Cancel Business Travel Because Of The Coronavirus appeared first on Merchant Maverick.

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March 10, 2020

Everything You Need To Know To Earn & Maximize Your Chase Ultimate Rewards Points

Credit card companies across the board have been stepping up their rewards game recently, but one program has consistently come out near the top. That program is — as you can probably guess by the title of this article — Chase Ultimate Rewards.

With a plethora of redemption options — and bonus rates for travel redemption — Chase Ultimate Rewards makes a great case for being one of (if not the) best rewards program on the market. Most business users shouldn’t have difficulty utilizing the points they earn with one of Chase’s credit cards.

So how does Chase Ultimate Rewards work? We’ll take a peek into the nitty-gritty below, so read on through to find out!

Chase Ultimate Rewards Basics

There’s not really too much to the Chase Ultimate Rewards program. It’s basically just Chase’s way of marketing credit card rewards. The program enables card users to earn reward points with purchases and then redeem those points for a variety of options. Note that even Chase’s cash back cards earn points usable through Chase Ultimate Rewards — these types of cards are merely marketed as “cash back” earners.

By signing up for a credit card that’s a part of Chase Ultimate Rewards, you’ll be able to access a slew of ways to redeem the points you earn with your card. From travel to cash back to Amazon purchases, there should certainly be a redemption method to suit your fancy.

Chase Ultimate Rewards has been around for over a decade — the New York City-based bank launched the program way back in 2009. Originally kicked off with just two credit cards, Chase Ultimate Rewards now basically touches the entire stable of Chase’s first-party cards.

What Is The Point Value For A Chase Ultimate Reward Point?

The exact point value for points obtained within the Chase Ultimate Rewards program will vary on how you redeem them. However, the general value will range from 1 to 1.5 cents per point.

Let’s take a deeper look at what you can earn through Chase Ultimate Rewards based on the redemption method:

Travel: Depending on the credit card you have, your points value can equal anywhere from 1 cent to 1.5 cents on travel redemption.
Gift cards: Gift cards picked up through Chase Ultimate Rewards usually earn 1 cent per point. In some cases, however, you may be able to collect gift cards at a slightly better rate.
Cash Back: When you redeem your points as cash back in the form of direct deposit or statement credit, you’ll receive 1 cent per point.
Experiences: Should you book an experience through Chase Ultimate Rewards, the marketed cash value normally equals 1 cent per point. Note, however, that Chase sets the value for these experiences, so the true value of booking experiences with points may be difficult to calculate.
Apple Purchases: Buying Apple products through Chase Ultimate Rewards will net you 1 cent per point.
Amazon Purchases: Using your Chase Ultimate Rewards points at checkout on Amazon.com will earn a fairly unimpressive 0.8 cents per point.

Additionally, if you transfer your points to a travel partner outside of Chase Ultimate Rewards, you may be able to redeem points for multiple cents per point.

Is Chase Ultimate Rewards Different For Businesses?

While Chase credit cards marketed towards businesses may earn points at different rates than their consumer counterparts, Chase Ultimate Rewards itself doesn’t really function differently for businesses. You’ll still be able to use the points you picked up with a business credit card for travel, gift cards, cash back, and retail purchases. Transfer of points to partner programs outside of Chase Ultimate Rewards is also possible for business users.

Instead, the primary difference is how fast you collect points and on what purchase categories earn you those bonus points. For instance, the Ink Business Preferred credit card can snag 3 points per dollar spent on shipping purchases. That purchase category is unique to Chase business cards — it’s not possible to specifically earn bonus points by using a Chase consumer card for shipping purchases.

When looking at the benefits outside of Chase Ultimate Rewards, you may notice other differences between Chase’s consumer and business credit cards. This might include stuff like employee cards or cell phone protection — two benefits exclusive to cards within Chase’s business card stable. However, these differences come via the cards’ benefits packages and not from Chase Ultimate Rewards.

Credit Cards Eligible For Chase Ultimate Rewards

Chase has a number of first-party credit cards that dole out points for Chase Ultimate Rewards. To start down this journey, let’s look at Chase’s business-specific cards first.

Ink Business Unlimited

Chase’s unlimited cash back credit card for business use is the Ink Business Unlimited card. With an unlimited 1.5% cash back on all purchases, you’ll be earning rewards at a fine clip.

While the card is marketed as a “cash back” credit card, you technically earn 1.5 points for every dollar you spent. Because of this, rewards earned with an Ink Business Unlimited card can be redeemed for the gamut of Chase Ultimate Rewards methods. This includes cash back, gift cards, and travel.

Beyond its base rewards scheme, Ink Business Unlimited features no annual fee and a slew of benefits aimed at businesses, such as free employee cards and an auto rental damage collision waiver.

For more information, read our review.

Ink Business Cash

The second cash back business credit card on offer from Chase is the Ink Business Cash card. You can collect 5% cash back at office supply stores and on internet, cable, and phone services on the first $25,000 spent in combined purchases every account anniversary year. Plus there’s an additional 2% back on gas station and restaurant purchases (also with a $25,000 annual cap).

Just like Chase’s other cash back business card, Ink Business Cash technically gathers its cash back in the form of points. As such, you can redeem your rewards for cash back, gifts cards, travel, etc. through Chase Ultimate Rewards’s portal.

For benefits outside of rewards, Ink Business Cash has no annual fee, employee cards at no additional cost, and an auto rental damage collision waiver.

To take a deeper dive, check out the Merchant Maverick review.

Ink Business Preferred

Savvy business travelers may like Ink Business Preferred. That’s because this card dishes out 3 points per dollar spent on travel (as well as shipping, internet/cable/phone services, and select internet advertising). On top of that 3x bonus rate, points are worth 25% more when you book travel through Chase Ultimate Rewards.

Besides travel, you can redeem points for Chase Ultimate Rewards’s other methods. However, booking for travel will likely be the most economical choice. There’s also the option to transfer points to one of Chase’s travel partners on a 1:1 basis — this may see you saving even more money than just cashing in for the 25% bonus rate.

Ink Business Preferred also has no foreign transaction fee, as well as cell phone protection and free employee cards. Note, however, that all these perks come at a cost — Chase requires a $95 annual fee to use the card.

If you’re curious to learn more, our in-depth review has you covered.

Consumer Cards

Beyond business credit cards, there are plenty of consumer cards that are eligible for Chase Ultimate Rewards. Even though you might be looking at a credit card for your business, a consumer card might work for you. Here are the first-party consumer credit cards that work with Chase Ultimate Rewards:

Freedom (5% cash back on up to $1,500 in combined purchases in bonus categories each quarter)
Freedom Unlimited (unlimited 1.5% cash back)
Sapphire Preferred (2X points on travel and at restaurants; points worth 25% more when redeemed for travel)
Sapphire Reserve (3X points on travel and at restaurants; points worth 50% more when redeemed for travel)

Chase’s other, co-branded cards with hotels and airlines don’t use Chase Ultimate Rewards. To see the full list of Chase credit cards, check out our deep dive into Chase’s cards.

How To Earn Rewards

The simplest and most obvious way to earn rewards for Chase Ultimate Rewards is by spending money with your Chase credit card. Depending on the credit card you have, you can earn between 1 and 5 points for every dollar spent. Chase’s cash back cards will also earn points despite the “cash back” moniker.

Additionally, all of Chase’s Ink Business credit cards currently earn 5 points per dollar spent on Lyft rides. This limited-time partnership between Chase and Lyft runs through to March 2022. Chase’s array of first-party consumer credit cards can also take advantage of this partnership — the Sapphire Reserve card takes the cake here by earning a whopping 10x points on Lyft rides (the other three Chase consumer cards collect at the same 5 points per dollar rate as the business cards).

Beyond spending cash, there is at least one other way business users can earn rewards to redeem through Chase Ultimate Rewards. If you already have an Ink Business Unlimited or Preferred credit card, you can refer your card to up to five other businesses per year. You’ll collect the equivalent of $150 per referral sign-up if you have the Unlimited card (so up to $750 per year) or 20,000 points per referral if you have the Preferred card.

It’s worth noting that the referral program is also available for those with Chase’s Freedom, Freedom Unlimited, and Sapphire Preferred consumer cards. If you have one of these cards, each friend referred to the card will net you either $100 cash back (with the Freedom cards) or 15,000 bonus points (with the Sapphire Preferred). You can earn up to $500 cash back (with the Freedom cards) or 75,000 points (with the Sapphire Preferred) annually with this method.

Chase Ultimate Rewards Redemption Options

There are plenty of ways to use your points on Chase Ultimate Rewards. Let’s take a deeper look below.

Travel

The most marketed way to utilize Chase Ultimate Rewards is by booking travel. Trip booking options include airfare, hotels, and car rentals.

Chase has partnered with travel booking site Expedia since 2018 to run the back-end of Chase Ultimate Rewards’s travel service. As such, you should generally see similar prices when comparing Chase Ultimate Rewards and Expedia.

If you have a cash back card through Chase, booking travel via Chase Ultimate Rewards offers the standard 1 point equaling 1 cent. Points cards are where things get interesting. Both Ink Business Preferred and Sapphire Preferred users will snag 25% more value out their points when redeeming points for travel through Chase Ultimate Rewards. Chase’s premier consumer card, the Sapphire Reserve, garners a whopping 50% more value.

While booking travel through Chase Ultimate Rewards can be convenient and may save a bit of cash, a major drawback is the fact that you won’t be booking directly with airlines or hotels. This means that if something goes awry with your trip, you’ll need to contact Chase. Chase will then reach out to customer service on your behalf, potentially costing you time and giving you a headache.

Gift Cards

If you’d like your points to go to something outside of travel, Chase provides the option to redeem points for gift cards. At the time of writing, Chase advertises that Ultimate Rewards offers “over 195 gift cards” from various brands.

Generally speaking, 1 point equals 1 cent when redeemed for a gift card. However, Chase will occasionally run “sales” on cards from specific brands. For instance, you might be able to get a Lowe’s gift card for 5% off or a Jiffy Lube one for 10% off.

Unless you are snagging a gift card during a sale, getting gift cards through Chase Ultimate Rewards may not be the most economical way to use your points.

Cash Back

The simplest Chase Ultimate Rewards method is to redeem your points for cash back. If you go this route, you have the option to deposit the cash directly into your bank account or receive statement credit. Cash back usually takes three days before being posted to your account.

No matter the Chase credit card, a single point is worth 1 cent. This means that Chase Ultimate Rewards’s cash back isn’t spectacular — however, it does allow you to use your rewards more freely than if you redeemed them for travel or gift cards.

Experiences

Another redemption method Chase includes with its Ultimate Rewards program is “experiences.” Here you can use your points to book “experiences” from a selection of options, including fine dining, sports games, and music concerts.

During writing (in February — some of these events are seasonal), example experiences redeemable through Chase Ultimate Rewards included:

Ski lift tickets in California, Colorado, Utah, and Vermont
Tickets to professional sporting events, including basketball, hockey, and golf
Music concerts
High-class dining experiences

In general, these experiences were valued at 1 point equaling 1 cent. However, because Chase sets the “cash value” for each experience, it may be difficult to gauge the true value when redeeming points for experiences.

As far as total value, some packages are as cheap as 13,000 points for a Squaw Valley lift ticket. Others are vastly more expensive: two Saturday-Sunday tickets to the 2020 PGA Championship with access to Chase’s hospitality chalet and three nights at a hotel will run you a cool 265,000 points.

Note that because most available experiences are situated in large cities, you’ll want to live near a highly populated place or be traveling in one to take full advantage of this Chase Ultimate Rewards perk. Card members who live in rural Alaska, for example, may have difficulty finding a local experience to take advantage of.

Apple Purchases

If you like Apple products, Chase has partnered with the tech company to allow you to pay for all or part of an Apple purchase. To use your points this way, you’ll need to make your purchase through an Apple-branded online store accessed through the Chase Ultimate Rewards portal.

While this method does make it easier to buy the latest iPhone or AirPods, you won’t be saving anything extra here: 1 point is worth the standard 1 cent when redeemed for Apple products.

Amazon Purchases

By far the measliest way to redeem your points through Chase Ultimate Rewards is on Amazon purchases. After you link your Amazon account with your card, you’ll be all set to use your rewards at checkout on Amazon.com. However, keep in mind that points redeemed for Amazon purchases are only worth 0.8 cents. As such, we can’t really recommend redeeming points in this way.

If you want to maximize your Amazon rewards and you also want to sign up for a card through Chase, it may be worth going with the bank’s co-branded Amazon credit card. This card, which can earn up to 5% cash back on Amazon purchases, features a rewards scheme that allows you to use rewards at checkout on Amazon.com. Note, however, that rewards obtained through Chase’s Amazon card don’t earn Chase Ultimate Rewards points.

Transfer Points

We’ll go into more depth below, but if one of Chase’s own redemption methods don’t suit your fancy, you can transfer your points out to one of 13 travel partners. These travel partners include both airline and hotel loyalty programs and can be one of the more lucrative ways to use your points.

Additionally, you can transfer points between multiple Chase accounts if you have several credit cards. Consolidating points can be a great way to save a bit extra cash when booking travel or if you’re planning to close a card.

Chase Transfer Partners & Best Ways To Transfer

With 13 different transfer partners, Chase has a nice array of loyalty programs where you can transfer your points on a 1:1 basis. These partner programs include both airlines and hotels.

At the time of writing, Chase’s airline partners are:

Aer Lingus AerClub
British Airways Executive Club
Emirates Skywards
Flying Blue Air France/KLM
Iberia Plus
JetBlue TrueBlue
Singapore Airlines KrisFlyer
Southwest Airlines Rapid Rewards
United MileagePlus
Virgin Atlantic Flying Club

For hotel loyalty programs, Chase is partnered with:

IHG Rewards Club
Marriott Bonvoy
World of Hyatt

Because your Chase Ultimate Rewards points can be transferred to these loyalty programs on a 1:1 basis, the value of your points will vary depending on where you transfer your points to.

Determining the best loyalty programs to transfer to will often depend on your situation. Generally, however, World of Hyatt delivers the best bang for the buck when it comes to hotels — free nights start low as 5,000 points. For flights, check out British Airlines — its trans-Atlantic flights can be had for as little as 9,000 Avios (what British Airlines calls its points). Air France/KLM’s Flying Blue program can also be a great deal if you snag a monthly promo.

The Best Ways To Use Chase Points

All told, if you have a rewards credit card from Chase, you’ll likely find that redeeming Chase Ultimate Rewards points for travel (either through Chase’s own booking portal or by transferring out to a partner program) will stretch their value the furthest. This makes Chase’s point cards great options for businesses that require frequent voyages.

If you have one of Chase’s cash back cards, it’s hard to go wrong with redeeming points through Chase Ultimate Rewards. Most methods output rewards at 1 cent per point value. This means that you can be flexible by redeeming your rewards just the way you want to.

This flexibility is probably one of Chase Ultimate Rewards’s strongest attributes and it helps make the program one of the best out there. Whether you are transferring points to one of Chase’s travel partners or redeeming points for the exact gift card you want, Chase gives you the freedom to choose — that’s pretty hard to beat.

The post Everything You Need To Know To Earn & Maximize Your Chase Ultimate Rewards Points appeared first on Merchant Maverick.

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March 5, 2020

Save Money On Travel Expenses By Finding The Best Hotel Rewards Program For Business Travelers

It’s not easy for business travelers to spend time away from home. Between the tedium of waiting around at airports and the discomfort of sleeping in new beds, business travel can be a grueling grind. One way you can help to ease the grind a bit is by deciding on a primary hotel rewards program.

Also known as loyalty programs, these programs can help you rack up points while taking advantage of extra perks. It’s honestly hard to see why a frequent business traveler would pass on signing up for a hotel rewards program — you’ll get free nights, access to free Wi-Fi, and more. And best of all, these rewards programs are free to join.

So which program might be best for you? Keep on reading for the low-down on what’s out there!

Hotel Rewards Programs: The Basics

Hotel rewards programs offer you the chance to save money while traveling. Every time you book a room at a hotel, you’ll receive a set number of points (usually around 10 points for every dollar spent). Once you’ve earned enough rewards, you can cash them in for free nights, room upgrades, and more. Additionally, by joining a loyalty program, you’ll be set to receive perks like free Wi-Fi- or late check-out — no points required.

In some cases, you may be able to earn even more rewards by signing up for a credit card that a particular hotel brand offers. These cards will usually shoot you to the highest level of points earning within that particular brand’s rewards scheme. These cards are of the personal variety in most cases, but there are a few business-specific cards floating around too.

On the flip side, however, these rewards programs can tie you down to a set of hotel brands. This means you might ultimately spend more money instead of just searching for the best deal. Plus, if you’re set on earning points from one set of brands, you may find yourself needing to be less flexible when it comes to hotel location.

All that said, smart usage of hotel rewards programs can indeed help business travelers save a bit of cash when used smartly. As such, those who require frequent travel may want to focus on joining a hotel rewards program to eke out that extra cash where possible.

Popular Hotel Rewards Programs For Business Travelers

Your favorite hotel brand probably offers its own set of rewards or is part of a rewards network alongside other hospitality brands. Here’s a look at a few of the most popular hotel loyalty programs and how they might stack up for business use:

IHG Rewards Club

InterContinental Hotels Group’s Rewards Club covers over 5,000 hotels throughout 100-plus countries. Its network of hotels includes Holiday Inn, InterContinental, Crowne Plaza, Regent, and Hualuxe.

Points are generally obtained at the rate of 10 points per dollar spent on hotels within the IHG network. Those who reach IHG Reward Club’s top bracket (achieved by booking 75 nights or earning 75,000 points) can earn 20 points per dollar. Miles can also be earned for an array of airline partners. Booking a table via OpenTable or ordering from Grubhub through IHG can also pick up points for you. Points can additionally be bought with cold hard cash, which may make sense if IHG is running a sale on points.

Savvy travelers might also be able to save more with the IHG Rewards Club Premier Credit Card through Chase. While this is a personal card, business users can still take advantage of the card’s 25x points rate. It’s also worth noting that IHG is a transfer partner with Chase — this means that if you have a Chase Ultimate Rewards-eligible card, you can transfer points to your IHG Rewards Club account on a 1:1 basis.

Once you have points in hand, they can be redeemed for hotel stays and airfare with over 40 airlines. Free nights start at 10,000 points and go up from there depending on the brand and location. You can also use your points for items from a variety of brands. Note, however, that if you fail you stay at an IHG network hotel over the course of 12 months, your points will expire.

Choice Privileges

Choice Privileges is a global rewards programs for hotels under the umbrella of Choice Hotels. Its network of budget brands includes Cambria Hotels, Comfort Inn & Suites, Econo Lodge, Sleep Inn, and Quality Inn. This network reaches 7,000 locations worldwide, with hotels in over 40 countries throughout North and South America, Asia, Australia, the Caribbean, and Europe.

You’ll start off earning a base 10 points for every dollar you spend at eligible properties. After 40 nights at Choice properties, you can qualify for the program’s top rewards bracket, Diamond, and earn 15 points for every dollar spent. Points can additionally be earned for golf purchases, travel bookings through Bluegreen Vacations, and car rentals through Avis and Budget.

The Choice Privileges Signature Visa Card (offered in conjunction with Barclays) can stretch your savings even further. Signing up for the card will automatically boost your earning rate to Diamond status and there are various bonuses to earn even more. However, note that Choice Privileges only offers a personal credit card and not a business-specific one.

Points obtained through Choice Privileges can be cashed in for free nights, resort bookings, vacation rentals, gift cards, and trips with various travel partners. Choice Privileges’ list of travel partners includes Alaska Airlines, Southwest Airlines, United Airlines, and Amtrak. Points can further be used for purchasing golf gear or booking cruises. Free nights at eligible Choice hotels start at 8,000 points. You’ll want to keep in mind that Choice Privilege points expire after 18 months of account inactivity.

Marriott Bonvoy

With over 7,000 hotels to choose from across the U.S., Canada, Asia, and Europe, Marriott Bonvoy is a solid rewards program with fairly strong coverage. The program includes the 30 different hospitality brands owned by Marriott International, including The Ritz-Carlton, Marriott Hotels & Resorts, Renaissance Hotels, and Courtyard.

Marriott Bonvoy users will be able to enjoy 10 points per dollar spent at eligible hotels. The highest two tiers (Titanium Elite and Ambassador Elite) both earn an extra 75% on points. Besides staying at hotels, points also can be picked up through air travel or by booking travel “activities” through Marriott’s own portal.

Business travelers who frequent Marriott properties may want to look into the Marriott Bonvoy Business American Express Card. This credit card will dole out 6 points per dollar on Marriott purchases (plus 4 on restaurants and 2 everywhere else). You can also take advantage of employee cards and one free night award every account anniversary.

After you’ve banked up points, you can use them on free nights, for partially paying for a stay, for booking travel with over 250 airlines and rental car companies, or for snagging travel packages. You can book free nights at eligible Marriott International properties for as little as 5,000 a night — plus there are no blackout dates on when you can book. Marriott Bonvoy points do expire, but not until after two years of account inactivity.

World of Hyatt

While World of Hyatt packs a punch with an excellent rewards program, it lacks the coverage other brands might have. There are fewer than 1,000 properties worldwide under the Hyatt umbrella. However, most U.S. travelers shouldn’t find difficulty — many of Hyatt’s hotels are located in the country’s biggest cities. Brands included in the Hyatt network include Grand Hyatt, Hyatt Regency, Joie de Vivre, Andaz, and Alila Hotels and Resorts.

World of Hyatt dishes out 5 points per dollar spent on eligible purchases at Hyatt hotels. The highest membership tier, Globalist, collects an extra 30% on top of those 5 points. You can obtain Globalist status by spending 60 nights in Hyatt hotels, earning 100,000 points, or attending 20 qualifying meetings/events at Hyatt properties.

There is no business credit card for World Hyatt, but there is the World of Hyatt Credit Card. This card, co-offered with Chase, delivers 4 bonus points for every dollar spent at all Hyatt hotels (plus 2 points per dollar on dining, airfare, local transit, and gym memberships). Every cardholder will receive one free night annually, plus the opportunity to earn a second free night by spending $15,000 on the card in an anniversary year.

World of Hyatt has one of the most valuable points redemption rates around — some estimate that a point in this program is worth almost 2 cents a pop. You can use your World of Hyatt points on free nights, dining/spa experiences, fitness classes, trips, air travel, and car rentals. Free nights start at 5,000 points. Your points will expire after account inactivity of two years.

Wyndham Rewards

Its 9,000 properties worldwide mean that Wyndham Rewards is one of the furthest-reaching rewards programs on the planet. Available locations cover the U.S., Mexico, the Caribbean, Europe, Africa, and Asia. Among Wyndham Rewards’ brands are Wyndham Grand, Dolce Hotels and Resorts, La Quinta, Ramada, and Days Inn.

With Wyndham Rewards, you’ll net 10 points per dollar or 1,000 points per stay — whichever is higher. The top membership level, Diamond, nets 20% more rewards (you can reach that status after 40 stays at Wyndham properties). Wyndham enables other rewards-earning methods, such as shopping, gas from Marathon Gas stations, tours/activities, DoorDash purchases, and car rentals through Avis and Budget. You can also purchase points in increments of 1,000.

For credit cards, you can apply for either of the Wyndham Rewards Signature Visa cards. Offered in conjunction with Barclays, these two cards grant 5 points (for the annual fee version) or 3 points (for the no annual fee version) per dollar spent at Wyndham properties. These cards also feature welcome offers that will dish out enough points for free nights. Note that both these cards are of the personal variety; Wyndham offers no business credit card.

Points earned for Wyndham Rewards can be redeemed for free nights (starting at 7,500 points), shopping, tours/activities, gas, gift cards, and charitable donations. You can also transfer points to one of Wyndham’s travel partners (including American Airlines AAdvantage Miles, United MileagePlus Miles, Frontier Miles, and Amtrak Guest Rewards Points) or to Caesars Rewards to take advantage of casino-focused rewards. Those who own Wyndham vacation properties can also transfer points to pay for maintenance and exchange fees. Wyndham Rewards points have a long shelf life — they won’t expire until four years after they are posted to your account.

Other Hotel Rewards Programs

There are a few other programs worth mentioning, but just didn’t make the cut the above:

Best Western Rewards: With a decent rewards rate and points that won’t ever expire, Best Western Rewards is a solid loyalty program. There are also a couple of Best Western co-branded (non-business) credit cards on offer, too.
Hilton Honors: Hilton is one of the largest hotel chains in the world, with over 4,000 locations globally. However, the Honors program has one of the lowest points values around; by some estimates, Hilton Honors points equal less than 0.5 cents per point. Hilton Honors does have a business credit card that can help stretch your rewards value further, however.
Radisson Rewards: With over 1,000 properties eligible, Radisson Rewards might be an excellent option. As their hotels are primarily located in the U.S. and Europe, those who frequently hop across the pond for business may find Radisson to be their best option.

Choosing The Best Hotel Rewards Program For Business Travel

Ultimately, there’s no one way to pick a rewards program. The program that works best for you will depend on where you travel to, which brands best suit your price point, and whether or not you can take advantage of credit card perks. But by utilizing a hotel rewards program smartly, you’ll be well on your way to softening the business travel grind.

The post Save Money On Travel Expenses By Finding The Best Hotel Rewards Program For Business Travelers appeared first on Merchant Maverick.

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February 25, 2020

The 7 Best Business Credit Cards For Your Nonprofit Organization

From purchasing office supplies to taking staff out for dinner or traveling to events, nonprofit organizations have plenty of reasons to sign up for a credit card. And, because a nonprofit is technically a business, it may make sense to apply for a business-specific credit card. Consumer cards can work, if you use them correctly, but business credit cards usually offer rewards and benefits that better suit professional organizations.

There are also credit cards out there designed specifically for nonprofits. Depending on your location and your organization’s situation, you may find that one of these credit cards will actually work better for you than a business-centric card.

Curious to find out what’s out there in the world of credit cards for nonprofits? Take a peek below to find out which business credit card might work best for your nonprofit organization.

Best Credit Cards Designed For Nonprofits

While they may not be the most common type of credit cards, cards built for nonprofits do exist. The most notable thing about these cards is that they require no personal guarantee from applicants. This means that the card issuers won’t look into the personal credit history of individuals listed on the application; instead, they’ll simply consider the organization’s financial records. Let’s take a deeper look at a few credit cards designed from the get-go for nonprofits:

Charity Charge Nonprofit Business Card

Charity Charge is an issuer dedicated to helping nonprofits thrive. Besides its nonprofit business credit card, Charity Charge offers other cards that automatically donate cash back to a nonprofit of the user’s choice.

This co-branded Mastercard, meanwhile, was designed from the ground up for nonprofits to spend with. First appearing in the summer of 2019, the Charity Charge Nonprofit Business Card could make a solid option for your organization. There simply aren’t many credit cards dedicated to working for nonprofits — and certainly none of the others come from a company built around giving back to such organizations.

Besides requiring no personal guarantor, this card will generate 1% cash back on all of your purchases as an automatic rebate to your monthly statement. Going beyond rewards, Charity Charge promises online expense reporting and card management, dedicated customer service, and fraud protection. Charity Charge also markets this card to schools and associations.

U.S. Bank Community Card

In partnership with Mastercard, U.S. Bank offers its community card for nonprofit organizations. With this card, you’ll be able to apply without needing a personal guarantee. U.S. Bank also offers an online tool to analyze your organization’s spending. Plus, employees can get their own cards for free.

When it comes to rewards, you have two options. You can either pay $99 per year and gain access to 1% cash back on all purchases. Or you can choose to pay no annual fee — but you also eschew rewards. It’s also worth noting that going the annual fee route opens up the possibility to earn points for taking credit card payments and making purchases with U.S. Bank’s Encore Relationship Rewards program.

Unfortunately, you’ll need to live near a U.S. Bank location because you must apply in person for this credit card. While the bank operates in over half the states in the U.S., if you don’t live in Ohio or further west, there probably isn’t a U.S. Bank near you.

Visa CommUNITY Card

Introduced by Visa several years ago, the Visa CommUNITY Card is available at local banks and community credit unions throughout the country.

Because this card is issued through various banks, the exact terms may vary from location to location. You’ll generally be able to earn rewards for this card (usually either 1% cash back or 1 point per $1 spent) and the annual fee is low ($99 per year) or nonexistent. You’ll also be able to access high credit lines. Like the above two cards, no personal guarantee should be required when applying.

You’ll likely need to apply in person for a Visa CommUNITY Card. Several banks and credit unions issue this card, so you might be able to find a location near you. Issuers include:

Bangor Savings Bank (Maine and New Hampshire)
bankHometown (Massachusetts)
Beacon Credit Union (Indiana)
First County Bank (Connecticut)
Fulton Bank (Delaware, Maryland, New Jersey, Pennsylvania, and Virginia)
PCSB Bank (New York)
Shelby State Bank (Michigan)
South State Bank (Georgia, North Carolina, South Carolina, and Virginia)
Sunrise Banks (Minnesota)
United Community Bank (Georgia, North Carolina, South Carolina, and Tennessee)

There are also a number of other banks that offer a Visa CommUNITY Card, so be sure to call around locally if none of the above financial institutions are near you.

Best Business Credit Cards For Nonprofits

Unfortunately, it’s pretty slim pickings when it comes to credit cards designed specifically with nonprofits in mind. Because of this, you may find it better to apply for a business credit card that offers a set of rewards, benefits, interest rates, etc. that best suit your organization. Here are a few of our favorite business credit card picks for nonprofits:

Best For No annual fee

SparkÂ® Cash Select From Capital OneÂ® Compare	Annual Fee: $0 Â Purchase APR: 14.49%-22.49% (variable)
Required Credit: Excellent Welcome Offer: $200 cash back if you spend $3,000 in the first 3 months after opening your account Intro Purchase APR: 0% APR for 9 months Intro Balance Transfer APR: N/A Foreign Transaction Fee: 0% Rewards: Unlimited 1.5% cash back Featured Benefit: Zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email, or phone call. More card details (click to expand) Hide

SparkÂ® Cash Select From Capital OneÂ®

Compare

Annual Fee:

Purchase APR:

14.49%-22.49% (variable)

Required Credit: Excellent

Welcome Offer: $200 cash back if you spend $3,000 in the first 3 months after opening your account

Intro Purchase APR: 0% APR for 9 months

Intro Balance Transfer APR: N/A

Foreign Transaction Fee: 0%

Rewards:

Unlimited 1.5% cash back

Featured Benefit:

Zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email, or phone call.

More card details (click to expand)

Hide

No one likes an annual fee. While paying a yearly charge is often a requirement of some higher-tier credit cards, there are a few solid options without one. SparkÂ® Cash Select from Capital OneÂ® is one such option.

The Spark Cash Select card features a strong 1.5% cash back on all purchases. What’s most impressive about that rewards rate is that there’s no cap on how much you can earn. You’ll also be able to take advantage of a 0% introductory APR rate for your first nine months, free employee cards, and a welcome offer worth $200. The card also includes other standard credit card perks like extended warranty and fraud protection.

Best 0% APR introductory period

Blue Business Cashâ¢ Card from American Express Compare	Annual Fee: $0 Â Purchase APR: 14.74% – 20.74% (variable)
Required Credit: Good Welcome Offer: None Intro Purchase APR: 0% APR for 12 months Intro Balance Transfer APR: 0% APR for 12 months Foreign Transaction Fee: 2.7% Rewards: 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% Featured Benefit: Spend beyond your credit limit with Expanded Buying Power (Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.) More card details (click to expand) Hide

Blue Business Cashâ¢ Card from American Express

Compare

Annual Fee:

Purchase APR:

14.74% – 20.74% (variable)

Required Credit: Good

Welcome Offer: None

Intro Purchase APR: 0% APR for 12 months

Intro Balance Transfer APR: 0% APR for 12 months

Foreign Transaction Fee: 2.7%

Rewards:

2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

Featured Benefit:

Spend beyond your credit limit with Expanded Buying Power (Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.)

More card details (click to expand)

Hide

If you know you’ll be carrying a balance right off the bat, going with a credit card that has an introductory rate period could be a great possibility. When a card has an intro rate period you won’t have to pay interest until the period is up. The Blue Business Cashâ¢ Card from American Express has one of the longest intro rate periods for business credit cards at 0% APR for the first 12 months.

Outside the 0% intro rate, you’ll be able to nab 2% cash back on the first $50,000 you spend every calendar year (the cash back rate drops to 1% after passing the $50,000 threshold). There’s also no annual fee and Amex allows you to spend above your credit limit. Otherwise, standard credit card features come along for the ride, such as extended warranty and purchase protection.

Best For Travel

Chase Ink Business Preferredâ Compare	Annual Fee: $95 Â Purchase APR: 17.49% â 22.49% (variable)
Required Credit: Excellent Welcome Offer: 80,000 points if you spend at least $5,000 within the first three months of opening your account Intro Purchase APR: N/A Intro Balance Transfer APR: N/A Foreign Transaction Fee: None Rewards: 3 points per $1 spent on the first $150,000 in combined purchases on travel, shipping purchases, internet/cable/phone services, and advertising purchases made with social media and search engines each account anniversary year 1 point per $1 on all other purchases Featured Benefit: Points are worth 25% more if redeemed for travel via Chase Ultimate Rewards More card details (click to expand) Hide

Chase Ink Business Preferredâ

Compare

Annual Fee:

$95

Purchase APR:

17.49% â 22.49% (variable)

Required Credit: Excellent

Welcome Offer: 80,000 points if you spend at least $5,000 within the first three months of opening your account

Intro Purchase APR: N/A

Intro Balance Transfer APR: N/A

Foreign Transaction Fee: None

Rewards:

3 points per $1 spent on the first $150,000 in combined purchases on travel, shipping purchases, internet/cable/phone services, and advertising purchases made with social media and search engines each account anniversary year
1 point per $1 on all other purchases

Featured Benefit:

Points are worth 25% more if redeemed for travel via Chase Ultimate Rewards

More card details (click to expand)

Hide

Should your organization require frequent travel, finding a credit card with travel rewards and perks may be wise. One of the most well-rounded travel cards on the market is Chase Ink Business Preferredâ .

This card has a nifty rewards scheme — you’ll net 3 points per dollar spent on travel, shipping, internet/phone/cable services, and advertising. You can then redeem those points for 25% more when booking travel through Chase’s own online portal or you can transfer them on a 1:1 basis to an array of travel partners. In terms of perks, Ink Business Preferred promises trip insurance, extended warranty, and cell phone protection.

Best For Low Credit Users

SparkÂ® Classic from Capital OneÂ® Compare	Annual Fee: $0 Â Purchase APR: 24.49% (variable)
Required Credit: Fair Welcome Offer: None Intro Purchase APR: N/A Intro Balance Transfer APR: N/A Foreign Transaction Fee: None Rewards: Unlimited 1% cash back Featured Benefit: Zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email, or phone call. More card details (click to expand) Hide

SparkÂ® Classic from Capital OneÂ®

Compare

Annual Fee:

Purchase APR:

24.49% (variable)

Required Credit: Fair

Welcome Offer: None

Intro Purchase APR: N/A

Intro Balance Transfer APR: N/A

Foreign Transaction Fee: None

Rewards:

Unlimited 1% cash back

Featured Benefit:

Zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email, or phone call.

More card details (click to expand)

Hide

If you or your organization lacks a strong credit history — or doesn’t have one at all — the SparkÂ® Classic Card from Capital OneÂ® might work best for you. Designed for credit-building users, this card can help you strengthen your credit — allowing you to eventually graduate to a better credit card down the line.

Even though Spark Classic was constructed for those with weaker credit, it still comes with some decent perks. Its 1% cash back will see you earning rewards at a nice clip. Beyond that, the card comes with other standard benefits like free employee cards, no foreign transaction fee, and extended warranty.

Didnât Find What Youâre Looking For? Check Out Our Other Resources For Nonprofit Organizations

If a credit card isn’t the next step for your organization, Merchant Maverick has a few more tools that can lend a hand. In case you’re curious about the difficulties nonprofits face when it comes to financing, check out our guide to loans for nonprofits. Organizations in need of a grant may find our in-depth article on grants helpful. Or, if you’d like to try raising funds with a more modern approach, read up on crowdfunding for nonprofits.

The post The 7 Best Business Credit Cards For Your Nonprofit Organization appeared first on Merchant Maverick.

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November 5, 2019

6+ Best Dental Website Examples for Inspiration

So you’re creating a dental website, and you’re looking for dental website design examples for inspiration and guidance. You’re also wondering which website platform is best to use for your website.

But before we dive into examples of what professional personal websites look like in the wild on a variety of website builders and hosting platforms, there is one thing to keep in mind when you’re evaluating a website: it’s not just about how the websites look. The functionality matters too.

Think of it like buying a car. You have a make / model in mind, and you’re probably looking to see them drive by on the road to see how they actually look. However, you also care about how they operate. Does it accelerate well? Does it have the hauling capabilities you need? How is the gas mileage?

Looking at a dental website examples should be done in the same way.

Do you want the website to have appointment scheduling functionality? Do you want a patient portal? This functionality needs to be consider before you start choosing a website builder + hosting platform.

Find The Right Website Builder for Your Dental Website

We collected the following website examples not just to show you how they look on different platforms, but how they can function, so you can be sure you create a website that fits both the look and functionality you need!

Disclosure – I receive customer referral fees from companies mentioned on this website. All data & opinions are based on my professional judgement as a paying customer or consultant to a paying customer.

Best Dental Website Examples

We’ve pulled these examples based on functionality, design, and usability. Again, when you’re looking to build a dental website, remember that you’re not just thinking about making the site look good. You want to think about what your site actually needs to do, and find a platform that supports all of your needs.

Ponce Dental Group

Software: Adobe

Hosting: Adobe

This dental website by Ponce Dental Group has all of the bells and whistles. You can book an appointment, manage your appointments, and learn about payment plans and insurance all from the homepage. And yet even with all of this information, the layout is still clean and information is easy to find.

If you’re looking for a website layout that allows you to have multiple calls to action without overwhelming visitors or making the site difficult to navigate, this dental website example is a great one to use for inspiration.

Bay Area Dental Surgery

Software: Weebly (Weebly Review)

Hosting: Weebly (Weebly Review)

On the other side of the spectrum is this dental website by Bay Area Dental Surgery Center. We liked the simplicity of this website, with the clear header and subhead that tells you exactly what this dentist does and who they help, and the cartoon graphic that adds an element of creativity and branding to the site.

This example just goes to show that a simple, straightforward layout can still be incredibly effective for your dental website. You don’t necessarily need something with tons of advanced functionality or even advanced branding!

If you’re looking for a good dental website example that includes a simple template that you can just plug your content into and get going, this is a great one to reference.

Grace & Leedy

Software: Squarespace (Squarespace Review)

Hosting: Squarespace (Squarespace Review)

This dental website example stands out for a few key reasons. First, notice how clear the navigation is on the homepage. As soon as you land on the website, your focus is drawn to the options of where to go next. It’s straightforward and makes choosing a next step simple.

We also liked the download functionality on the Form page.

The clear instructions and bright call-to-action buttons make it easy for visitors to see exactly what they need to do, and including the forms on the website not only enhances new patients’ experience online… but in person, too! No more filling out endless forms in the waiting room!

This site is another great example of a simple template that makes the most out of the design and functionality to give visitors a great user experience.

Dr. James Catt DMD

Software: Self-Hosted WordPress

Hosting: Codero + Linode

This dentist website example stood out to us for a few key reasons — the first of which being the color palette! Notice how the buttons, logo, and even header image all have the same color scheme. It makes the design look sophisticated, even though the layout is fairly straightforward.

Next, we also liked how Dr. James used focus landing pages to expand on each of his services:

This is a great way to make more detailed services pages that also provide valuable information for potential clients who may be doing research on dental procedures before deciding to move forward with them.

St. Lawrence Dental

Software: Wix (Wix Review)

Hosting: Wix (Wix Review)

Have you ever gone to a website to try to find logistical information (like operating hours and contact information) and had to dig for it? How frustrating is that?

This dental website does a great job of keeping key logistical information in clear view. Notice how the operating hours, telephone number, and “request an appointment” button are all grouped together in the top right corner of the homepage. This gives visitors all of the information they need when booking an appointment, without them having to dig around the site to see when the clinic is open, how to call, or where to request an appointment.

Atlanta Dental Spa

Software: Self-Hosted WordPress

Hosting: Google Cloud / Google

This website for Atlanta Dental Spa is another strong dental website example that hits all of the marks. The layout is clean and sophisticated, and although the site has a lot of content (including before / afters), it’s organized in a way that’s easy to navigate.

We particularly liked the Messenger functionality Atlanta Dental Spa includes, which allows you to chat with them on Facebook Messenger directly from their website.

If you’re looking for an overall example to use for inspiration for your dental website, check this one out!

Next Steps

Now that you have some inspiration in terms of the design, colors, and functionality you may want in your dental website, where do you go from here?

Well, it really depends on where you are in your dental website building journey!

If you’re ready to decide on a website builder, check out my guide to choosing a website builder here.

Lastly, if you’re wondering how to market your dental website, check out my guide to creating a local marketing strategy.

The post 6+ Best Dental Website Examples for Inspiration appeared first on ShivarWeb.

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September 30, 2019

Most Popular Micropolitan Areas (Small Cities) for Startups According to the US Census

ShivarWeb has a lot of DIYers and freelancers not living in the biggest, richest cities of the world. In fact, I originally started this business in Athens, Georgia, USA – not in larger Atlanta. As a fun post, I thought I’d dig into some data for my non-metro area readers.

The benefits of big metro areas for new businesses are well-known, but so are the costs in money, time, and health. In the era of remote work, you can get a lot of the benefits of the city anywhere with an Internet connection, except one – being physically around other new business-owners.

With that in mind, I decided to look at the Census Bureau’s data on cities to see if there were any places in America that hit a sweet spot between being small & self-contained and being a popular place to start a new business.

Micropolitan areas are populated areas that have too much population to qualify as a rural area, and too few commuting ties to a larger city to qualify as part of a larger metropolitan area. They are between 10,000 to 50,000 people and quite a distance from a large city.

In other words – micropolitan areas are true small cities.

There are 536 micropolitan areas in America with a core city of between 10,000 and 50,000 people plus the population of the surrounding area.

Here are the Top 20 Most Popular Micropolitan Areas for New Small Businesses in America based on US Census data from 2015-2016 (most recently available). You can view the full list of 536 areas here.

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20. Breckenridge, CO Micro Area

New Businesses: 239

Breckenridge, Colorado is a hub for every outdoor sport that you can imagine. The Rocky Mountain scenery is incredible. It has world-class skiing, hiking, fishing, and kayaking. The area has a population of 31,007.

According to Crunchbase, you’ll find startups like –

Vaway, a vacation rental marketplace
Tomorrow Holding, a fiber reactor technology firm
Area 101, a professional food service firm

19. Tupelo, MS Micro Area

New Businesses: 247

Tupelo, Mississippi is the hub of North Mississippi with an area population of 140,552. It’s the smallest city in America with two banks with more than $10 billion in assets.

Unlike many small towns, it has a thriving downtown with a strong balance of businesses and an independent spirit. You’ll also find growing startups such as –

Central Services Association, an IT firm focusing on utility management
Malco Theaters, a family-owned cinema firm

18. Summit Park, UT Micro Area

New Businesses: 247

Summit Park has an area population of 41,933 and is known as the “richest small town in America.” Nestled in the Uinta mountain range, many of the homes are vacation homes, but it is also a hub for consultants and wealthy remote workers.

17. Sevierville, TN Micro Area

New Businesses: 247

The Sevierville, Tennessee area has a population of 97,892 and is a mountain vacation hub on the East Coast. It’s surrounded by the Great Smoky Mountains with world-class hiking, fishing, and kayaking.

In addition to tourism-based startups, Sevierville is home to stratups such as –

Carp Data Service, a data analysis firm
Comfort Flow, an orthopedic dog bed firm

16. Jackson, WY-ID Micro Area

New Businesses: 251

The Jackson, Wyoming area has a population of 34,721 and has played an outsized role in America’s history. It’s surrounded by two of America’s most iconic National Parks with the Rocky Mountains forming a bowl around the city.

The small city is a mini-hub for a range of startups like –

DMOS Collective, a provider of collapsible stealth and alpha shovels
Odyssey Sensors, an ag-tech company
Video Science, a video chat service for the healthcare industry

15. Brainerd, MN Micro Area

New Businesses: 251

The Brainerd, Minnesota area has a population of 94,408 and a deep history with railroads, logging, mining – and now, tourism. It has a wealth of lakes and deep forests in addition to a classic downtown.

Brainerd is home to startups such as –

Elite Motorcycle Parts, a maker of premium motorcycle parts
MaxBotix, a designer & manufacturer of ultrasonic sensors

14. Branson, MO Micro Area

New Businesses: 263

The Branson, Missouri area has a population of 87,601. It is the home of Mark Twain, and the setting of many of his stories.

The startup community is focused on tourism and food.

13. Augusta-Waterville, ME Micro Area

New Businesses: 269

The Augusta, Maine area has a population of 122,083, and is also the capital of Maine. The city lies on the Kennebec River, and is also host to the University of Maine.

The startup community includes companies like –

Kenway, a manufacturer of custom composite products for mining
Southport Boats, a maker of high performance boats

12. Truckee-Grass Valley, CA Micro Area

New Businesses: 274

The Truckee, California area has a population of 99,696, and is a popular home for small companies moving out of the Bay area into the beautiful Sierra Mountains.

The town lies on both I-80 and the first (and main) transcontinental railroad. The startup community includes companies like –

bigtruck Brand, a specialist in the design, marketing, and manufacturing of hats
Clear Capital, a valuation company for the mortgage industry
1bios, a health tracking & engagement platform for healthcare companies

11. Twin Falls, ID Micro Area

New Businesses: 279

Twin Falls, Idaho has an area population of 110,096. The main city has grown so fast, that the Census Bureau reclassified the area as a metropolitan area in 2019.

The startup community includes companies like –

Plant Therapy, a direct-to-consumer supplier of essential oils
BestNotes, a HIPAA compliant CRM and EHR system
KickBack Rewards, a data entry & CRM company

10. Concord, NH Micro Area

New Businesses: 301

The Concord, New Hampshire area has a population of 151,232, and has strong links to the Boston startup scene. It’s the capital of New Hampshire and lies on the Merrimack River.

The startup community includes companies like –

Bradford Networks, a maker of automated security products for enterprise & governments
Nanocomp, a commercial producer of carbon nanotube-based lightweight sheets, tapes, and wires
CoolSim, an advanced CFD-based tool available for optimizing energy consumption in data centers

9. Hilo, HI Micro Area

New Businesses: 318

The Hilo area has a population of 200,383, and is the main city of the “big island” of Hawaii. The city lies at the base of Mauna Lea and Mauna Loa – two of the most famous volcanoes in the world.

The city has large scientific, agricultural, and tourist industries – all of which influence the startup community. Companies in Hilo include –

Mauna Loa Macadamias, the world’s largest processor of macadamia seeds
DroneFlow, a fully automated aerial inspection technology
Shaka Tea – a line of refreshing herbal iced teas

8. Edwards, CO Micro Area

New Businesses: 322

The Edwards, Colorado area has a population of 54,993, and lies in the heart of the Rocky Mountains in Central Colorado.

The area is a favorite of skiers and outdoor fans. The startup community is spread out & remote, but includes companies like –

HomeTrax, online tools for homeowners, service providers, and organizations
TripHero, a solution to the multi-layered problem of traveling with luggage and equipment

7. Glenwood Springs, CO Micro Area

New Businesses: 342

The Glenwood Springs area has a population of 77,732, and is the “sister” micropolitan area to Edwards, Colorado. The city is nestled in the Roaring Fork Valley on the Colorado River. It has been named “the Most Vibrant Small Town for Arts” and the “5th Best Small Town” in America by different publications.

The startup community is very small and focused on arts & agriculture, but also includes some tech startups like Helpp, a connecting service for providers & consumers.

6. Kalispell, MT Micro Area

New Businesses: 353

The Kalispell area has a population of 102,106, and lies nestled near both Glacier National Park (the “Crown of the Continent”) and the Canadian border.

The startup community includes companies like –

Roomie, a provider of better furniture options for college students
Counter Assault, a manufacturer of bear spray and personal protection spray
Expesicor, a drug discovery firm for neurological disorders

5. Torrington, CT Micro Area

New Businesses: 382

The Torrington area has a population of 181,111, and lies within day trip distance of both New York City and Boston.

The business community includes companies like –

Trlby Innovative, a maker of custom impulse heat sealing equipment
Altek Electronics, an electronic manufacturing company providing chassis and control panels

4. Traverse City, MI Micro Area

New Businesses: 385

The Traverse City area has a population of 149,914, and lies at the far north of Michigan’s “mitten” along Lake Michigan. The city is a top agricultural producer of cherries and other fruits. It’s regularly named as one of the best small town travel destinations and one of the best small towns to retire to.

The business community includes companies such as –

ATLAS Space Operations, a satellite communications service
DriveShare, an online marketplace for classic cars

3. Key West, FL Micro Area

New Businesses: 387

The Key West area has a population of 75,027, and is the sourthernmost city in the continental United States. It is a hub for tourism, festivals, and tropical living.

The business community centers around consultants, travel, and tourism companies.

2. Claremont-Lebanon, NH-VT Micro Area

New Businesses: 437

The Lebanon area has a population of 217,215, and lies in the Connecticut River Valley. It is home to the Dartmouth Medical School and Dartmouth Medical Center. It also has strong transport links to the Boston area, which influences its business community.

The Lebanon area is home to businesses such as –

Appcast, a job advertising platform
Adima, an antibody discovery and optimization platform
Avitide, a purification solutions firm for biopharmaceutical companies

1. Bozeman, MT Micro Area

New Businesses: 536

The Bozeman area has a population of 111,876, and lies at the gateway to Yellowstone National Park along with the largest ski resorts & outdoor opportunities in the United States. The town regularly appears as the “Best Small Town in America” lists. With all the entrepreneurs & economic growth moving to Bozeman – I’m not surprised to see it top this list as well.

Bozeman is home to businesses such as –

Schedulicity, an online appointment scheduling platform for discovering and booking local services
Quiq, a customer service messaging platform
Absaroka Energy Company, a provider of clean renewable energy

Takeaways

I can’t criticize big cities. After all, I ended up moving to Atlanta after starting in Athens, GA. Big cities are great.

But…big cities aren’t the best option for some businesses. And the certainly aren’t the best option for many individuals. I loved this Planet Money episode explaining why.

Remote work and online tools make anywhere a good place to work. But you still need to be able to make “anywhere” work for you – and that includes being around other businesses & startups.

There are plenty of startups & small businesses in nearly every city. And as you can see from the list above, there are some small cities that have more than plenty.

Find your place, find your people, and build your business.

You can view the full list of 536 areas here.

The post Most Popular Micropolitan Areas (Small Cities) for Startups According to the US Census appeared first on ShivarWeb.

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August 20, 2019

How To Sell On Instagram With Shoppable Posts

Instagram holds a world of infinite interest. You can scroll past picture-perfect destinations, see curated fashion trends, and ogle delicious confections, all with the touch of your fingertips. But there’s one thing you can’t do. You can’t click on just any Instagram post and be redirected towards an outside site like you can on Facebook, Twitter, or Pinterest. For most Instagram accounts, there’s only one measly way to explore a particular business, person, or organization more on Instagram â by clicking the link in the bio (if they’ve supplied one).Â Sure, some larger channels with thousands of followers can add a link to swipe up within Instagram Stories, but not everyone can attain those levels of popularity immediately — or ever!

What’s more, I’d be willing to bet that many of you who are reading this post have never even actually clicked the bio links of your favorite Instagrammers.Â And all that is by design. Instagram is structured to keep you engaged and interested by scrollingâand stayingâwithin the app itself. Historically, Instagram has kept a tight leash on outgoing links, and the reason for that is now becoming clear; by limiting outside link clicks, Instagram has created an ideal scenario to introduce shopping right on its own platform.

Shoppable Instagram posts are an entire ecosystem just ready to flourish. But will they? What do shoppable Insta posts mean for small businesses in general, and how can you make them work for your business? In this post, we’ll explore what you need to do to sell on Instagram and show you some options for getting started. Let’s get going!

Ready to sell on Instagram? Shopify makes it easy.

Mobile	POS	Online	Social Media

Mobile App + Free Card Reader	Point of Sale	Online Store	Social Media Selling
Get Started	Get Started	Get Started	Get Started
Low-cost POS for iOS and Android with free hardware	All-purpose POS integrated with all sales channels	Build a store or integrate with your current website	Sell on Facebook and other platforms
Starts at $9/month	Starts at $29/month	Starts at $29/month	Starts at $9/month
Free Trial	Free Trial	Free Trial	Free Trial

Read on to learn more about how this works.

What Are Instagram’s Shoppable Posts?

Unlike the typical Instagram post where you can look but not “touch,” a shoppable Instagram post is one that is connected to a seller’s inventory and available for purchase. A shoppable post may keep you entirely within Instagram for in-app payment, or you may be redirected to that particular product on the seller’s outside website. We are going to take a look at both of these scenarios by examining both Square and Shopify â two platforms that take different approaches to reaching customers on Instagram.

Want to see some examples of shops that sell directly within Instagram? Start by going to Search, which on Instagram is the magnifying glass icon located at the bottom ofÂ the screen. Once you are in the search function, you’ll find general categories lining the top, as well as a random conglomeration of posts like those below. Since we’re only interested in shoppable posts right now, we would click Shop at the top.

Once you select Shop, you’ll find shoppable categories along the top of your feed. In the screenshot below, category buttons (such as Beauty and Clothing & Accessories) line the top of the screen. Note: If you’re just scrolling around on Instagram and happen to see a post with a little purse icon at the bottom right, you can be sure it’s shoppable. Every post shown below is shoppable because I’m within the Shop section on Instagram.

In the example below, you can see that each item for sale is also tagged with a price. Moving your attention to the bottom left, you’ll see the little purse. You can pull up even more available items from that seller by selecting the View Products button.

Before we go too much further, I want to point out that there are two different types of shoppable Instagram options: One confines the purchase entirely on Instagram, and the other involves a tagged post that’s shoppable by a link that takes your shoppers directly to your online storefront. Let’s first take a look at the in-app purchase flow.

For the customer who is ready to make a purchase, the checkout flow within Instagram’s app is short and sweet. After supplying my name in one screen and shipping information in the next, I am now ready to give my payment details. When I do this, Instagram saves my information so that I don’t have to ever enter it again in any other Instagram shop. Instagram Checkout accepts all the major credit cards, plus PayPal.

Screen capture of Instagram checkout 2019

Selling on Instagram with a completely in-app payment flow requires integrating with an existing eCommerce platform such as Shopify, 3dcard, Big Commerce, or Magento. We are going to take a close look at connecting Shopify with Instagram in just a minute. With this option, you actually don’t even need a separate website to start selling on Instagram, but if you do, everything syncs automatically for you.

As mentioned a moment ago, your other option to sell on Instagram is by creating a tagged post that goes directly to your site. The shop below is an example of what that looks like. Customers can check out the items you’ve connected to Instagram by clicking on View Products, or they can click on a tagged product and go directly to that product’s page on your own site. What we are looking at below is inventory that this particular seller created and added to their Product Catalog. We’ll talk more about this catalog in a moment, as it’s the gateway to selling all things on Instagram.

Shoppable Catalog

But first, let’s see what happens if we like an item in this seller’s catalog. I like the look of this art print, so I click on it. The button below tells me I’ll be redirected to the seller’s outside site.

Now that you have an idea of how customers may find and interact with shoppable posts, you probably are getting excited to sell your own items on Instagram. Let’s keep going and find out how to do it!

How Do You Become Eligible for Shoppable Posts?

Becoming eligible for shoppable Instagram posts starts with setting up a business account, but not just anyone can sell on Instagram. Instagram has an easy little checklist for those who are thinking about setting up shop.

Is your business located in a supported market?
Does your business sell physical goods?
Does your business comply with commerce policies?
Is your Instagram account a business account? (I’ll show you how to switch to a business account in the next section.)
Is your account connected to a Facebook Page? (We’ll also show you this!)

If you haven’t noticed yet, Facebook (the parent company of Instagram) is the official gatekeeper to all Instagram selling. You can’t create an Instagram business account or sell on Instagram without having and connecting to a Facebook Business page. That also means you’ll need to create a business profile on Facebook for your business.Â Within your business dashboard, you can easily connect Instagram and get into the nitty-gritty when it comes to setting up shopping.

For those who haven’t set up a Facebook Business Page, it’s simple to start. At the top of your Facebook page, you’ll see buttons labeled HomeÂ and Create right next to the search bar. Select Create and your business type as seen below, and you’ll be guided through the process.

Screen Capture of Facebook’s Create a Business Page Flow

Now that you have a Facebook business page, let’s keep the ball rolling so we can start selling on Instagram!

Set-Up Requirements For Selling On Instagram

To start selling on Instagram, make sure you also have an Instagram business account set up rather than a personal account. You can easily change an existing account to a business Instagram account by heading to your Instagram profile and tapping the “hamburger” icon (three horizontal lines).

From there, you’ll select settings (circular gear icon), and then tap Account where you can select Switch to Business Account. You can also add details about your account, such as contact information and your category here, too. Make sure you tap Done as that saves your updates!

The next thing you’ll need to do is create a Facebook Catalog because this houses all of your products and connects with Instagram. You have a few ways to create your catalog for syncing with Instagram. The next section shows you how to create your catalog manually so you can start enjoying shoppable posts. We’ll also explore some other options, like integrating apps or using a payment processor like Square to link directly to an existing Square site.

How To Create Shoppable Posts On Instagram

Selling on Instagram all starts with your catalog you create back within your Facebook Business Page. Here’s what a Facebook Catalog workspace looks like; it’s nice and simple to get started.

Screen Capture Instagram Catalog Creation

We are going to select Add Your Products underneath the Instagram Shopping section. If you haven’t yet, you can also connect your Instagram and Facebook Business account right back here, too! That’s another necessity to get everything set up correctly.

If your inventory is small, adding products manually here is probably the choice for you. However, you can also opt to upload data feeds or connect with Facebook Pixels by clicking those options. In upcoming sections, we are also going to explore how to use Facebook Partnersâapps like Shopifyâthat can sync all of your inventory, so you don’t have to do anything manually. For now, let’s keep moving with manual uploading, however.

Manually creating products is actually easy, as long as you have manageable amounts of inventory. Simply fill in the form, add an image and you’ve got a product added to your catalog!

Screen Capture of Manual Product Creation

While it’s a straightforward process, this manual product entry option may not be for you. Perhaps you have an extensive inventory, or you want to integrate with a platform that gives you more control or better features. By choosing the Connect with an eCommerce Platform, you have options that may simplify your process considerably.

Regardless of whether you manually create your catalog in the back end or you have integrated an eCommerce platform (more on that soon), you’ll create your shoppable Instagram post the same way:

Upload your image to Instagram
Tap where you want a tag
Search and select for your product from your catalog that’s synced to Instagram
Tag up to five items for a single post, or up to twenty items for a multi-image post
Publish your post

Let’s not forget that before we go live with our Instagram post, we need to have Instagram approve our shop.

Getting Approved To Sell On Instagram

Once you’ve got your catalog created, you’ll need to head back into your Instagram profile’s setting and tap Business, and then select Shopping on Instagram. Here you will submit your account for review. You can’t start selling on Instagram until you get approved. Instagram may take a few business days or more to review your catalog, so don’t panic if it doesn’t happen as soon as you expect.

How To Simplify Your Instagram Sales

Screen capture of eCommerce Options

Choosing to connect to an eCommerce platform that’s partnered with Facebook (pictured above) means that you can automatically import products and save yourself a lot of time. It also means that your customers can search for and complete their purchase all without leaving Instagram.

Your inventory syncs across any platform that’s set up through one of these third-party apps. So whether they shop on your site directly, or on your Facebook shop, Instagram feed, or anywhere else, you know that your inventory stays seamlessly updated. We are going to take a closer look at Shopify as an option for selling on Instagram.

Selling On Instagram With Shopify

Although I just hyped you up with the fact that Shopify syncs with your site and a multitude of platforms, you can actually set up a Shopify account and start selling in person and online without having an eCommerce site at all! With the Shopify Lite option for only $9 a month, you can get your foot in the door selling on Instagram (and all over the web) without having a site. Of course, people who have a higher-tiered Shopify plan can enjoy selling on social channels as well, too! Check out our full Shopify review for all of your options, features, and pricing details.

Mobile	POS	Online	Social Media

Mobile App + Free Card Reader	Point of Sale	Online Store	Social Media Selling
Get Started	Get Started	Get Started	Get Started
Low-cost POS for iOS and Android with free hardware	All-purpose POS integrated with all sales channels	Build a store or integrate with your current website	Sell on Facebook and other platforms
Starts at $9/month	Starts at $29/month	Starts at $29/month	Starts at $9/month
Free Trial	Free Trial	Free Trial	Free Trial

If you go the Shopify (or any other Facebook partnered eCommerce) route, you don’t have to set up a catalog for Instagram manually. Once you’ve linked your Instagram and Facebook and have your eCommerce platform selected (push of a button as seen above), your audience can click any post you have tagged. They can make all of their purchases with you in-app right through Instagram, while your inventory all stays synced and up to date.

A few important things to remember about using Shopify and Instagram:

As mentioned in the Getting Approved To Sell On Instagram section above, you can’t start selling on Instagram until Instagram approves you. You won’t be able to start tagging Instagram posts with your Shopify inventory until you see the notification in your Instagram business profile that you’ve been approved. And keep in mind that can take a few days.
Products need to be available in your Facebook Catalog and Shopify store. So make sure you sync them both, which you can do from your Facebook Business catalog page.
Once you’re set up and you tag an item in your Instagram post, you’ll see your catalog products appear and you can make your selections. If you have more than one variant in Shopify, you’ll need to choose which variant for that product tag as well.
In Instagram stories, you can tag products with a shopping sticker, but only on images, not videos at this time.

If you are interested in learning a bit more about using Shopify to sell your wares in more online channels, take a look at Shopify Facebook Stores: The Cheap And Easy Way To Sell Online for a closer look.

If a consistent, in-app experience within Instagram is something that appeals to you, the only way to do that is to link with one of the eCommerce platforms. If you would rather that people click directly to your site rather than finishing their sale on Instagram, you have options, too! You’ll need to manually create products and link to your site from your catalog unless you use Square, which just recently announced that you can now sell on Instagram easier while fully syncing the inventory from your Square site!

Selling On Instagram With Square

Setting up Shoppable Instagram posts with Square is a little bit different. You’ll start the process back on Square’s end rather than the other way around. Essentially, you’ll follow a very simple and easy-to-follow flow that clearly walks you through the connection process.

As with all of the other option, you still need to have:

An Instagram Business Account (and be eligible to sell)
Facebook Business Page
Approval from Instagram

You’ll also need:

A Square website
At least one product in your inventory

Haven’t decided if Square is the right choice to help you sell online yet? Check out our full Square Online Store and eCommerce Review and find out everything you need to know about pricing, features, and all that awaits you as a Square merchant.

Back at your Square Website Dashboard, you’ll be ever-so-gently walked through the complete flow to set up your Instagram account through Facebook Business Extension. Don’t be intimidated, because you won’t need to know any code whatsoever. As you are guided through the relatively short steps, Square even automatically installs the Facebook Pixel, which tracks everything for you. That means you don’t have to even think about code to track any future ad campaigns you want to create to promote your Instagram or Facebook shop. You’ll also get insight into how much business your Instagram shoppable posts are bringing in. You’ll get all that information automatically and right from your dashboard. The image below is taken from Square to illustrate what I mean about the whole thing being very user-friendly.

Screen Capture of Square Online Set Up Shopping on Instagram

Remember, you need to make sure that you head back into Instagram and request approval before you can start selling. We cover how to do that in a previous section within this post. Also take note that with the Square option, your shoppers don’t pay within Instagram; instead, they’ll go to your site to finish their purchase after clicking on a tagged post.

Extra bonus: Businesses that offer appointments can now integrate Square Appointments with Instagram to book with followers. Just like creating shoppable posts, you need your Instagram profile set to a business account to reap the benefits of appointment booking. You’ll also want to turn on Square Appointments online back in your Square dashboard. When you link your Instagram to Square, the Book button will automatically show up in your profile!

Are Instagram’s Shoppable Posts Right For You?

If you have a physical product and even just a small loyal following, merging the two with shoppable Insta posts is probably the smartest business move you can make. Whether you go the manual route, integrate with an app, or sync with an existing Square site, the effort required to get everything going is very minimal. Once you choose an option, getting things connected at your dashboard really couldn’t be any easier. Every solution we explored today is for those who have very little technical expertise or who just don’t have time to fuss with a lot of details.

Selling on Instagram connects you to more people. By using hashtags and networking in similar circles, you can potentially tap into greater success for your business. And that’s the ultimate goal! If you’d like more information about setting up an eCommerce site to complement your social selling, check out How To Accept Online Payments With Square.

The post How To Sell On Instagram With Shoppable Posts appeared first on Merchant Maverick.

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July 16, 2019

What Is Square And How Does It Work?

We at Merchant Maverick like Square. Itâs a great service that opens up the ability to process credit card payments to many small businesses, and weâve written a lot of articles about Square’s point of sale, payment processing, inventory, booking, and invoicing features. These articles can be prohibitively in-depth to the uninitiated, however, so you might want to read this quick overview of Square for a summary before digging into the details.

A Brief History Of Square

Square was founded in 2009 when Jack Dorsey (also of Twitter) tried to help his friend Jim McKelvey take a credit card payment of $2,000.00. Squareâs first product was a magnetic stripe credit card reader that could be inserted into a smartphoneâs headphone jack to take credit card sales.

Square became a public company in November of 2015, and its stock is traded on the New York Stock Exchange under the ticker symbol SQ. While Square does bring in a lot of money ($3.3 billion for the year 2018), it still has not made a profit. For the moment, the company seems to be more focused on growing by adding new services for its customers.

While Square’s main focus continues to be helping small businesses quickly and easily set up taking credit card payments, it has also expanded its services to point of sale, inventory, and employee management — giving small businesses the ability to run more like large ones (more on these services below). To this end, it has bought the food delivery business Caviar, the catering service Zesty, and the website building service Weebly. It also owns a consumer-centric digital wallet called the Cash App, where users can send money to each other and even buy from any store with the money in the app.

In the span of about ten years, Square has grown from a startup focusing on one aspect of helping small businesses grow to a large business providing a suite of services that help small businesses expand. With so many additional services, what exactly does Square do these days?

What Does Square Do?

At its heart, Square is still a credit card processing aggregator (also sometimes called a third party payment processor or a payment service provider (PSP)). We have a great article on the difference between a merchant account provider and an aggregator, but below is a quick explanation.

Square’s Credit Card Processing Services

Traditionally, if you want your business to take credit card sales, you would work with a provider to set up something called a merchant account. To get a merchant account, you typically undergo a long application process and provide a lot of financial information before you are approved. These providers want to make sure that, based on your businessâs existing history, you don’t present a huge financial risk.

Credit card processing aggregators take more of a see-as-we-go approach and assume financial risk for bad accounts. Aggregators merely need to verify the identity of the applicant before authorizing a new account, and generally don’t ask too much more information. They have more freedom on who they sign up and how they do business with those they sign up.

While this means aggregators can quickly set your business up to take credit card payments without needing an established history, they tend to be cautious afterwards. These types of payment processors have advanced systems in place to analyze each transaction for any red flags. Suspicious transactions can cause the processor to hold funds until it has more information. Worse, third-party processors often have a clause in the contract that says they can terminate your account if they see fit. Usually, this happens to businesses that have high numbers of chargebacks or fraudulent transactions.

Square is an aggregator, so essentially the above is its business model. You can sign up for Square within minutes and without providing detailed financial information. In addition, Square gives you a basic set of free hardware and software so you can start taking credit card payments almost right away. The free items include:

Square Point Of Sale Software: Square’s free POS software is incredibly advanced for being free, though it’s certainly not a full-fledged POS. Still, for most small businesses it is more than sufficient. Square also offers premium iPad POS systems for a monthly fee if you need more advanced features.
Credit Card Reader: You can get a basic magnetic strip reader for free, but if you want support for chip cards, you’ll have to upgrade to another reader, which will cost you.
Invoicing: For those businesses that bill a larger amount but less often (e.g. lawn care services), Square offers an electronic invoicing function. The invoices are free to send, but you will pay a transaction fee when your customer pays with their card.

Square’s Value-Added Services

As mentioned earlier, Square has been adding more services to its core credit card processing business. Some of these services are for free, but others are available for a small fee. These services include:

Employee Management: With this service, you can manage your employees from anywhere. You can add new employees to the system, track their hours, track their register/sales (at either single location or multiple locations), edit and close employee timecards, and give selected employees selected access to various parts of this software (e.g. so they can enter their own hours but not see your weekly sales numbers).
Payroll Services: This service imports data from the employee management software so that you can easily pay your employees and contractors. Square will handle tax filings and withholdings, and they can handle the payments to other employee benefits such as health insurance and 401(k). You can even offer direct deposit to your employees.
Inventory Management: Square offers basic inventory management in its Point of Sale app for free, but the premium iPad POS systems offer a more detailed system that can track and analyze your business’s inventory across multiple stores and multiple registers. You are notified when inventory is low, and items are automatically removed from inventory when they’re sold, whether at one of your physical locations or online.
Business Debit Card (Square Card): When you are paid by your customers through Square, the money goes to an account kept by Square. Rather than moving the money to your bank, you can use it immediately with the Square Card. The Square Card is a debit card sponsored by Mastercard, and you can request it from Square for free. Check out How Does Square’s Instant Deposit Work?Â for more information about how to access your funds.
Appointments: Square provides a booking calendar for professional service businesses (like hair salons). The calendar not only tracks and moves appointments, but it can also send appointment reminders to customers. The POS and booking system is free for a single user, but if you have multiple users you’ll need to pay a monthly fee.
Square Online Store: Pretty much every business needs an online presence, and Square can help you build a professional-looking website even if you’ve never done it before. Square provides tools that can help you track your inventory sold through your online store and helps you with shipping (printing labels, discounted rates). Best of all, when you sell out of state, it tracks all the different sales taxes that you might owe. There’s a basic free webstore, but if you need more advanced features, you’ll need to upgrade to one of the other plans.
Other Services: Square offers many more services designed to make a small business owner’s life easier. For instance, Square offers marketing software to help you build email and social media advertising campaigns. It has an installment payment service for certain businesses so that a customer can buy a big-ticket item and pay Square in installments while you get paid right away. Square can help you build a loyalty program where customers can redeem goods or services with points. You can get your own branded gift cards to sell to your customers. Square even provides online store owners with a product photography service so that the items sold through webstores are presented in their best light.

As can be seen above, Square is well on its way to offering an entire suite of software and services that not only help you take credit card sales, but also help you manage your entire business’s operations.

What Are The Advantages of Square?

Every successful business has a few things it does extremely well, and Square is no exception. Square basically provides you with a free, fast, and easy-to-get-out-of way to start taking credit card sales. To elaborate a bit, the following are some advantages for signing up with Square:

Fast Setup: You can sign up for Square within minutes and get a credit card reader shipped to you very quickly.
Easy Termination: If you sign up and find that you don’t like Square, you can stop working with Square any time you want. There are no penalties for leaving, so you can sign up without fear. (There may be loose ends to tie up, but you can still terminate the services at will.)
Easy To Use: Square is focused on small businesses that are just starting out. They provide a simple piece of hardware and intuitive software to help you run your business and help you grow.
Simple Fee Structure: Compared with other pricing models, Square has an easy-to-understand flat fee structure so you can better predict your profits.
Fast Payment: With Square, you can get paid almost right away after a customer makes a charge. You can instantly deposit these funds into your outside account or use the funds directly with the Square Card debit card. In contrast, traditional merchant account providers typically hold the funds for at least 24 hours before releasing it to you. For a small business with tight cash flow, Square’s fast payment can make a difference to the business’s survival.
No Minimums Or Monthly Fees: A small fee here and there might seem insignificant, but they can add up in the long run. Square’s credit card processing service (and a lot of their other services) have no minimum or monthly fees, so a small business doesn’t have to worry about paying for anything other than the transaction processing costs.

These are just some of the advantages for signing up with Square. Of course, no business is perfect, and neither is Square. Under some circumstances and for some types of businesses, Square is not the best option.

What Are The Disadvantages Of Square?

No business can be everything to everyone, so Square is not suitable for every type of business. One of the biggest complaints we see about Square is that Square sometimes withhold funds in a merchant’s account, with or without warning. Sometimes, you never get paid. If you fit into one of the categories below, you might want to think twice before signing up with Square:

Not Suitable For High-Risk Businesses: A “high risk” business is usually defined as a business that deals with guns and ammo, tobacco and vaporizers, pharmaceuticals, gambling and financial services, and similar — anything highly regulated or prone to chargebacks and disputes. If you deal in any of these, Square is likely not the right business partner for you. Specifically, in its Terms of Service, Square reserves the right to terminate service if you violate any export control regulations (for example, sell military-grade items to specific countries) and money laundering laws, sell weapons or devices designed to cause physical harm, or “use the Services except as otherwise allowed” under their agreements.
Not Suitable For Business With Many Chargebacks: If you have a business that causes a high rate of dispute or chargebacks (even if it’s not otherwise a high-risk business), then Square is probably not the right company for you. Going back to Square’s business model, it fronts you the money that you take from your customers so you can collect right away while it waits for the banks to settle the charges. So, if Square can’t eventually get the money from the banks, it might stop fronting you the money (put a hold on your account) or stop working with you altogether.
Not The Best Pricing For High-Volume businesses: Despite its transparent pricing, Square might not be the cheapest service provider for your particular business. If your business is mature, you have an established financial history and are doing a consistently high volume of card payments, and you know how your customers tend to pay for your goods or services, then you might want to shop around a little more to find the merchant account provider that can offer you interchange-plus pricing and volume discounts. (That said, Square does negotiate custom rates for high-volume businesses, but you should absolutely shop around all the same.)

We have an article that gives more details on why Square is not suitable for high risk and high chargeback businesses. If you have an established business and wish to shop around, here’s some information on where you might be able to get a better deal.

What Are Square’s Fees?

Business owners like having predictable operating expenditures every month. Because credit card fees usually have a percentage component and a flat fee component, the cost of allowing credit card sales tend to be less predictable. Compared to traditional credit card processors, however, Squareâs fees are easier to predict.

With Square, you usually only have to worry about just one fee, expressed in a percentage form. Right now, if you use Squareâs free credit card reader and free Point of Sale software, you pay 2.75% of the sale. Thatâs it. If your customers choose to pay online, your rate is 2.9% + $0.30 per transaction.Â Having only to keep two numbers in mind makes it easier for you to figure out your markups so you can make a profit for your entire business.

Note, though, that if you use Squareâs premium hardware or software, the charges can get a little complex. Here’s an article giving a more detailed breakdown of Square’s fees.

How Do You Use Square?

When it comes down to it, it’s fairly easy to start using Square’s services. You can do it in four steps:

Sign Up For A Free Account. This only takes a few minutes, and we even have an article walking you through the process. You wonât have to provide a lot of financial information, and they wonât do a credit check on you at this stage (they will later, after youâre all set up).
Get Your Free Square Reader. Youâll have quite a few hardware choices–some of which you will need to pay for–but thereâs always one thatâs free for either iOS or Android.
Download The Free Square App. The app is called Square Point of Sale, and you will need this app to process payments through a mobile device.
Log In To The Free Square Dashboard And Explore. This is a fairly robust piece of software that manages all your credit card charges. You can customize reporting in a centralized hub, and do much, much more (some of which cost extra). Here’s a Merchant Maverick article on the details of the dashboard.

As mentioned above, Square wants to help you run your business. There are a lot of value-added services they offer, so once you’re all set taking credit card sales, you might wish set aside a little time to explore these additional services to see how they can help you run your business.

What Kinds of Businesses Is Square Best For?

Square isnât right for every business, but if your business is small or new, Square is very likely the best bet for you. With Square, youâll get lots of free software, hardware, and add-ons to get you up and running very quickly. You can use Square on the web, at a brick-and-mortar store, and even at mobile locations such as food festivals.

We’ve compared Square with PayPal and Clover Go and believe Square really does offer the best value for the price for a start-up business. As long as youâre not one of the âhigh riskâ businesses, you should have no problems getting payments from Square or with your account being abruptly suspended or terminated. Best of all, if you use Square and then after a while decide you donât like them, you can stop using them at any time.

Is Square right for you? This more in-depth article can help you decide.

The post What Is Square And How Does It Work? appeared first on Merchant Maverick.

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July 11, 2019

Top Credit Cards With Airport Lounge Access

Airports are not places of emotional respite and quiet contemplation. Airports are angry, crowded, chaotic, exploitative places where anxiety thrives like bacteria on picnic potato salad. Heavily-policed cathedrals of dread and frustration where the malware-ridden charging stations are all occupied and a mediocre sandwich costs 12 bucks. The modern airport experience distills and concentrates the existential toxicity we spend our lives trying and failing to avoid.

Wouldn’t it be nice if there were something you could do to make airports less awful? As it turns out, for a price, there is.

Most airports have lounges where you can take refuge from the rest of the airport. While airports differ in terms of the lounge benefits they offer, these benefits typically include complimentary snacks and drinks, free wi-fi, computer workstations, comfy seating, and other luxury amenities. Some even offer full spa treatments!

You can just pay to get into these lounges, but if you use them with any frequency, this will cost you quite a bit. Thankfully, some travel credit cards come with complimentary airport lounge access, entitling you — and up to two companions, in most cases — to use these lounges and enjoy their benefits. While these cards normally carry a high annual fee, you’ll still come out ahead if you use these lounges often enough. Plus, premium travel cards offer a host of additional benefits, like travel protection, the ability to earn points or cash back, and more.

Read on to get the details of the top travel credit cards with lounge access. Hopefully, you’ll find one that appeals to you!

Credit Card	Annual Fee	Lounge Access
The Platinum Card from Amex	$550	Amex Centurion, Priority Pass, Delta Sky Clubs, Airspace
The Business Platinum Card from Amex	$595	Amex Centurion, Priority Pass, Delta Sky Clubs, Airspace
Mastercard Black Card	$495	Priority Pass
Chase Sapphire Reserve	$450	Priority Pass
Citi / AAdvantage Executive World Elite Mastercard	$450	American Airlines Admiral’s Club
Hilton Honors Amex Aspire	$450	Priority Pass
Hilton Honors Amex Ascend	$95	Priority Pass

The Platinum Card from American Express

The Platinum Card from American Express Compare	Annual Fee: $550 Purchase APR: N/A (charge card)
Required credit: Good, excellent Bonus offer: 60,000 points after you spend $5,000+ on purchases in your first 3 months Purchase intro APR: N/A (this is a charge card) Balance transfer intro APR: N/A Foreign transaction fee: None Rewards: 5 points per dollar spent on flights booked directly with airlines or with American Express Travel 5 points per dollar spent on prepaid hotels booked on amextravel.comâ¨ 1 point per dollar spent on all other eligible purchases Notable perks & benefits: Get access to over 1,200 airport lounges worldwide via theÂ American Express Global Lounge Collection Receive a statement credit every 4 years after you apply for Global Entry ($100) or TSA PreCheck ($85) Use Membership Rewards Pay with Points for a First or Business class flight with any airline available through Amex Travel and get 35% of the points back Get $200 per year in statement credits for incidental fees with the qualifying airline of your choice More card details (click to expand) Hide

The Platinum Card from Amex earns first mention from us in this article. Why? Because no other credit card out there (with the exception of the business version of this card) gets you access to as many airport lounges as this one.

With Amex’s Platinum Card, you’ll gain access to the American Express Global Lounge Collection, which includes the following airport lounge networks:

Amex Centurion — Typically rated as the most luxurious of the bunch, Amex Centurion lounges can be found at 8 domestic airports and 8 non-US airports
Priority Pass — Priority Pass is the world’s biggest airport lounge network with over 1,200 locations across 130 countries
Delta Sky Clubs — You must be flying with Delta to take advantage of these lounges
Airspace — Airspace lounges can currently be found in just two airports, Cleveland and San Diego

The Platinum Card gives youÂ and up to two companions free access to these lounges. Not too shabby!

The airport lounge benefits are only the beginning of the perks you’ll be able to access. You’ll earn 60,000 Membership Rewards points after you spend $5,000+ on purchases within 3 months. You’ll get an annual $200 airline fee credit to cover incidentals with an airline of your choosing. You’ll get up to $200/year worth of Uber credits.

Shall I go on?

You’ll get 5X Membership Rewards points on a) flights booked directly with airlines or with American Express Travel,Â and b) prepaid hotels booked on amextravel.com. You’ll get a statement credit to cover the cost of applying for Global Entry or TSA PreCheck. You can use your points to book travel with amextravel.com and not have to deal with blackout dates or seat restrictions. You’ll even get complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.

As you can see, the Amex Platinum Card carries a great many high-value benefits (and I didn’t even list them all!). However, these benefits don’t come cheap, as the card carries a $550 annual fee. Now, keep in mind that every other card featuring this level of free airport lounge access also carries a hefty annual fee (over $400). Of course, in order to come out ahead financially with any of these cards, you’ll have to fly often enough to take full advantage of your travel benefits.

Keep in mind that this is a charge card — you have to pay your balance in full each month.

The Business Platinum Card from American Express

American Express Business Platinum Card Compare	Annual Fee: $595 Purchase APR: N/A (this is a charge card)
Required credit: Good, excellent Bonus offer: 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 on all qualifying purchases within the first three months Purchase intro APR: N/A (this is a charge card) Balance transfer intro APR: N/A Foreign transaction fee: None Rewards: 5 points per dollar spent on flights and prepaid hotels booked via Amexâs travel website 1.5 points per dollar on eligible purchases of $5,000 or more â up to 1 million additional points per year 1 point per dollar on all other eligible purchases Notable perks & benefits: Get access to over 1,200 airport lounges worldwide via theÂ American Express Global Lounge Collection Receive a statement credit every 4 years after you apply for Global Entry ($100) or TSA PreCheck ($85) Use Membership Rewards Pay with Points for a First or Business class flight with any airline available through Amex Travel and get 35% of the points back Get $200 per year in statement credits for incidental fees with the qualifying airline of your choice More card details (click to expand) Hide

American Express Business Platinum Card

Compare

Annual Fee:

$595

Purchase APR:

N/A (this is a charge card)

Required credit: Good, excellent

Bonus offer: 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 on all qualifying purchases within the first three months

Purchase intro APR: N/A (this is a charge card)

Balance transfer intro APR: N/A

Foreign transaction fee: None

Rewards:

5 points per dollar spent on flights and prepaid hotels booked via Amexâs travel website
1.5 points per dollar on eligible purchases of $5,000 or more â up to 1 million additional points per year
1 point per dollar on all other eligible purchases

Notable perks & benefits:

Get access to over 1,200 airport lounges worldwide via theÂ American Express Global Lounge Collection
Receive a statement credit every 4 years after you apply for Global Entry ($100) or TSA PreCheck ($85)
Use Membership Rewards Pay with Points for a First or Business class flight with any airline available through Amex Travel and get 35% of the points back
Get $200 per year in statement credits for incidental fees with the qualifying airline of your choice

More card details (click to expand)

Hide

You guessed it: The Business Platinum Card from American Express is the business version of Amex’s Platinum Card. Naturally, the two cards are similar, but not identical.

The similarities? Both cards offer the same level of airport lounge access and largely carry the same travel perks, such as a fee credit for Global Entry/TSA PreCheck and a $200 airline fee credit. Also, both are charge cards.

The differences? The Business Platinum card has a slightly higher annual fee ($595) and no Uber credits. It also sports a higher signup bonus, though you have to spend more in order to get it in full. The Amex Business Platinum offers 50,000 points after you spend $10,000 in your first three months and another 25,000 points after you spend an additional $10,000 within those same three months.

The card’s points-earning structure is also a bit different: 5X points on airfare and prepaid hotels booked on amextravel.com and 1.5X points on purchases of $5,000 or more. All other purchases earn you 1 point per dollar spent.

As the Amex Business Platinum is a business credit card, you can get cards for your employees for no additional fee.

Mastercard Black Card

Mastercard Black Card Apply Now	Annual Fee: $495 Purchase APR: 17.24%, Variable
Required credit: Excellent Bonus offer: None Purchase intro APR:Â N/A Balance transfer intro APR: 0% for the first 15 billing cycles Foreign transaction fee: None Rewards: 1 point per dollar spent 2% value for airfare redemptions 1.5% value for cash back redemptions 1% value forÂ hotel stays and car rental redemptions Notable Perks & Benefits:Â 24/7 Luxury Card Concierge Luxury gifts fromÂ brand name companies Room upgrades, complimentary food and beverage, and spa credits when booking with Luxury Card Travel Travel benefits, including global luggage delivery,Â 24/7 chauffeured transportation, and private jet/yacht chartering services $100 annual airline credit Priority Pass Select VIP airport lounge access Global Entry & TSA PreCheck application credit More card details (click to expand) Hide

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The Mastercard Black Card doesn’t carry the same level of travel benefits as most of the other cards here, so it’s fair to ask how one can justify getting this card, given its $495 annual fee. Well, there’s one thing the Mastercard Black Card can offer that other travel cards with airport lounge access don’t.

The Mastercard Black Card gives you access to Priority Pass lounges via the Priority Pass Select program, but unlike other credit cards offering this benefit, the Mastercard Black Card bestows free access to Priority Pass lounges for both you and an unlimited number of guests. The other credit cards offering Priority Pass Select limit free lounge access to two companions with any additional companions subject to a fee for entry. If Priority Pass Select membership is of the utmost importance to you and you travel frequently with a sizable family or entourage, the Mastercard Black Card might be just what you’re looking for.

While the Black Card’s other benefits don’t quite live up to those of the other cards listed here, the card does offer 2% of your value back (in the form of points) for airfare redemptions and 1.5% value for cash back redemptions. You’ll also get a $100 annual air travel credit toward all flight-related purchases as well as a fee credit for Global Entry or TSA PreCheck.

Additionally, the card is made out of stainless steel, so it looks cool.

Chase Sapphire Reserve

Chase Sapphire Reserve Compare	Annual Fee: $450 Purchase APR: 19.24%â26.24%, Variable
Required credit: Good, excellent Bonus offer: 50,000 points after you spend $4,000 on purchases in the first 3 months Purchase intro APR: N/A Balance transfer intro APR: N/A Foreign transaction fee: None Rewards: 3 points per dollar spent on travel and dining at restaurants 3 points per dollar spent on travel worldwide immediately after earning your $300 annual travel credit 1 point per dollar spent on all other purchases Notable Perks & Benefits:Â $300 Annual Travel Credit 50% more value when redeeming points for travel via Chase Ultimate Rewards Travel and baggage delay insurance Auto rental collision damage waiver Trip delay reimbursement Purchase protection and extended warranty More card details (click to expand) Hide

Chase’s Sapphire Reserve card is a solid contender in the travel credit card race, offering free access to all Priority Pass lounges for you and up to 2 guests. The annual fee is $450, but in exchange, you’ll be entitled to some great high-value benefits.

The Sapphire Reserve has an impressive signup bonus of 50,000 points after you spend $4,000+ on purchases in the first 3 months. When redeemed for travel through Chase Ultimate Rewards, those points will be worth $750, as your points get a 50% value boost when you redeem them this way. You’ll also get a statement credit of up to $300 to cover your travel purchases each account anniversary year.

As far as ongoing points-earning goes, you’ll earn 3X points on all travel purchases after earning your $300 annual travel credit. You’ll also get 3X points on all restaurant purchases and 1 point for all other purchases. And yes, you’ll get a statement credit for Global Entry or TSA PreCheck.

With the Chase Sapphire Reserve, you can also transfer your points over to other leading travel loyalty programs on a 1:1 basis. Score one for points flexibility!

Citi / AAdvantage Executive World Elite Mastercard

Citi / AAdvantage Executive World Elite Mastercard Compare	Annual Fee: $450 Purchase APR: 17.99% – 25.99%, Variable
Required credit: Excellent Bonus offer: 50,000 American Airlines AAdvantage bonus miles after spending $5,000 in purchases in your first 3 months Purchase intro APR:Â N/A Balance transfer intro APR: N/A Foreign transaction fee: None Rewards: 2 miles per dollar spent on eligible American Airlines purchases 1 mile per dollar on all other purchases Notable Perks & Benefits:Â 10,000 AAdvantage Elite Qualifying Miles (EQMs) once you spend $40,000 in purchases within a calendar year 25% savings on in-flight food and beverage purchases on American Airlines flights Up to aÂ $100 credit every 5 years for Global Entry or TSA PreCheck Priority check-in, priority airport screening (where available) and boarding privileges for you and up to 8 companions on the same reservation First bag checked free on domestic American Airlines flights for you and up to 8 companions ComplimentaryÂ Admirals Club membership Dedicated concierge More card details (click to expand) Hide

Here’s a luxury travel card with lounge access for frequent American Airlines travelers. The Citi / AAdvantage Executive World Elite Mastercard’s main benefit is the access it grants you to AA’s Admiral’s Club program. Both you and your immediate family (or two unrelated companions) will get free access to the 50+ Admiral’s Club lounges around the world along with 60+ partner lounges.

While the card does carry an annual fee of $450, consider that a standalone Admiral’s Club membership costs up to $650/year for an individual membership and $1,250/year for a household membership!

The Citi / AAdvantage Executive World Elite Mastercard comes with a host of additional travel benefits. You and up to 8 travel companions will get one free checked bag on domestic AA flights, and if your companions are on your reservation, you’ll all enjoy priority check-in, priority airport screening (where available), and priority boarding.

You’ll also get 25% savings on inflight food and beverage purchases on AA flights, a statement credit to cover your Global Entry or TSA PreCheck application fee, 50,000 AAdvantage miles when you spend $5,000+ in the first 3 months, 2 miles for every dollar spent on AA purchases (1 mile per dollar spent on everything else), dedicated concierge service, and more.

Hilton Honors American Express Aspire

Hilton Honors American Express Aspire Card Compare	Annual Fee: $450 Purchase APR: 17.99% – 26.99%, Variable
Required credit: Excellent Bonus offer: 150,000 Hilton Honors points after you spend $4,000+ in purchases within your first 3 months Purchase intro APR: N/A Balance transfer intro APR: N/A Foreign transaction fee: None Rewards: 14 Hilton Honors points per dollar spent on all Hilton-related purchases 7 points per dollar spent on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and US restaurants 3 points per dollar spent on all other purchases Notable Perks & Benefits:Â Unlimited Priority Pass lounge access for you and up to 2 companions per visit Annual $250 Hilton Resort statement credit Annual $250 airline fee credit with a qualifying airline of your choosing Complimentary Diamond status in Hilton’s loyalty program More card details (click to expand) Hide

Hilton-heads out there will appreciate the Hilton Honors American Express Aspire card. Yes, you’ll get Priority Pass Select membership granting you and up to 2 companions free access to Priority Pass lounges. You’ll also get a nice set of Hilton-specific benefits, including:

Hilton Honors Diamond status
Two weekend award nights — one when you open your account (and on your account anniversary) and one when you spend $60,000 in a calendar year
$250 Hilton Resort statement credit — you get one each calendar year
$250 airline fee credit for incidentals with an airline of your choosing

As far as points go, you’ll get 150,000 Hilton Honors points when you spend $4,000+ on purchases in the first 3 months. The Aspire card also offers a whopping 14X points on all Hilton-related purchases along with 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies, and US restaurant purchases. All other purchases will earn you 3X points.

The Hilton Honors Amex Aspire card carries a $450 annual fee.

Hilton Honors American Express Ascend

Hilton Honors American Express Ascend Card Compare	Annual Fee: $95 Purchase APR: 17.99% – 26.99%, Variable
Required credit: Good, Excellent Bonus offer: 125,000 Hilton Honors points after you spend $2,000+ on purchases in the first 3 months Purchase intro APR: N/A Balance transfer intro APR: N/A Foreign transaction fee: None Rewards: 12 Hilton Honors points per dollar spent on all Hilton-related purchases 6 points per dollar spent on all purchases at US restaurants, supermarkets, and gas stations 3 points per dollar spent on all other purchases Notable Perks & Benefits:Â 10 free visits per year to Priority Pass lounges, with each subsequent visit costing $27 Your guests can enter Priority Pass lounges for $27 apiece Complimentary Gold status in Hilton’s loyalty program Earn a Weekend Night Reward after you spend $15,000 on purchases in a calendar year More card details (click to expand) Hide

No, we didn’t screw up and list the same card twice. The Hilton Honors American Express Ascend (not the Aspire) card differs from its sister card — and every other credit card listed in this article — in that it offers airport lounge access while sporting an annual fee of just $95. Relatively speaking, the Ascend card is the “bargain” option if you want a credit card that grants you airport lounge access!

However, along with the smaller annual fee comes a lower level of lounge benefits. You get 10 free visits per year to Priority Pass lounges, with each subsequent visit costing $27. And if you want your guests to get in for free, you’ll have to use up one of your 10 free lounge visits on each person you bring with you.

The card comes with a bonus offer of 125,000 Hilton Honors points after you spend $2,000+ on purchases in your first 3 months. You’ll also earn 12X points on all Hilton purchases, 6X points on US restaurants, supermarkets, and gas stations, and 3X points on everything else. Additional benefits include complimentary Hilton Honors Gold status and a free weekend reward night after you spend $15,000 on purchases in a calendar year.

Final Thoughts

Airports are not fun places. If you’re prepared to pay for the privilege of having a more pleasant airport experience, a travel credit card gives you a better deal on airport lounge access than a standalone membership. If you travel often enough to take advantage of the benefits of these cards, you can easily recoup the value of these cards’ high annual fees.

Still searching for the credit card that fits your needs? Let these articles inform your decision!

Best airline credit cards for businesses
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The post Top Credit Cards With Airport Lounge Access appeared first on Merchant Maverick.

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Work Travel Will Return As Quarantine Restrictions Are Lifted

What The Law Says About Travel

Tips & Precautions For Essential Travel

1. Avoid Hot Spots

2. No Travel For Those With Symptoms

3. Encourage Safe Travel

4. Have Employees Self-Quarantine After Trips

5. Create A COVID-19 Travel Policy

6. Be Flexible

Alternatives To Consider Before Traveling

1. Work From Home

2. Use Video Chat

3. Sign Up For A Messaging Service

4. Email More

Keep Yourself & Your Employees Safe During Coronavirus

Does Trip Interruption Insurance Cover COVID-19?

Coronavirus-Specific Travel Policies

Airlines

Hotels & Lodging

Credit Cards

Other Ways To Get Your Money Back

Chase Ultimate Rewards Basics

What Is The Point Value For A Chase Ultimate Reward Point?

Is Chase Ultimate Rewards Different For Businesses?

Credit Cards Eligible For Chase Ultimate Rewards

Ink Business Unlimited

Ink Business Cash

Ink Business Preferred

Consumer Cards

How To Earn Rewards

Chase Ultimate Rewards Redemption Options

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Gift Cards

Cash Back

Experiences

Apple Purchases

Amazon Purchases

Transfer Points

Chase Transfer Partners & Best Ways To Transfer

The Best Ways To Use Chase Points

Hotel Rewards Programs: The Basics

Popular Hotel Rewards Programs For Business Travelers

IHG Rewards Club

Choice Privileges

Marriott Bonvoy

World of Hyatt

Wyndham Rewards

Other Hotel Rewards Programs

Choosing The Best Hotel Rewards Program For Business Travel

Best Credit Cards Designed For Nonprofits

Charity Charge Nonprofit Business Card

U.S. Bank Community Card

Visa CommUNITY Card

Best Business Credit Cards For Nonprofits

Best For No annual fee

Best 0% APR introductory period

Best For Travel

Best For Low Credit Users

Didnât Find What Youâre Looking For? Check Out Our Other Resources For Nonprofit Organizations

Best Dental Website Examples

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Next Steps

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