Revolving Accounts That Can Be Used As Cash


A blue background with a dollar sign and the words one and one cash

These are Tier 4 accounts that should not be applied for until your business has 10 reporting tradelines with Experian, a Low 5 or higher Bank Rating, one or more $10,000+ tradeline, and an Intelliscore of 76+.

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Open an Account:  Signup Online

Service Description:  The American Express SimplyCash Business Card is a "simple" way for business owners to earn cash back on their purchases.

Reports To:  D&B, Experian, Equifax every 90 days

Getting Approved: Initial approval is based on personal credit in most cases (680 Fico and above). They will look your corporation's D&B, Experian, or Equifax scores when considering your application. No minimum time in business is required, however a personal guarantee from a single person is required no matter how many others are added to account.

Payment Terms:  Revolving

Phone:   800-492-3344

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Bank of America, the nation's leading financial institution from checking accounts to loans and credit cards. Bank of America offers four small business credit cards that all come standard with the services you can expect.

Reports To:  D&B, Experian, Equifax

Getting Approved: Personal guarantee required in most cases unless business credit is already established. They will potentially look at all 3 credit agencies. If you have credit history with D&B they will look at that before approving or declining your application. Call 866-570-1603 to apply by phone. Rates are better when you apply by phone and you get your card faster as opposed to applying online.

Payment Terms:  Revolving

Phone:  866-570-1603

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Earn 5% cash back on the first $25,000 spent annually at office supply stores and on cellular phone, landline, internet and cable TV services.* Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants. Earn 1% cash back on all other purchases with no limits to the amount you can earn. Cash back rewards do not expire.

Reports To:  Experian & Dunn and Bradstreet

Getting Approved:  PG required without sufficient credit history, Federal EIN required.

Payment Terms:  Revolving

Phone:   800-945-2028

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description:  Earn 5% cash back on the first $25,000 spent annually at office supply stores and on cellular phone, landline, internet and cable TV services.* Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants. Earn 1% cash back on all other purchases with no limits to the amount you can earn. Cash back rewards do not expire.

Reports To: Experian & Dunn and Bradstreet

Getting Approved:  PG required without sufficient credit history, Federal EIN required.

Payment Terms:   Revolving

Phone:  800-945-2028

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Citibank is one of the largest full service banks in the world. Find your perfect Citi® credit card. From business to student cards, travel rewards, cash back and great online services, you'll find what you're looking for.

Reports To: D&B and Experian

Getting Approved:  Credit histories from a combination of the 3 business credit agencies are considered when applying for a CitiBusiness Card. Joint liability for the card is also required. No minimum time in business requirement, but if business scores are not high enough then they will look at personal credit scores. Initial approval is based on personal credit in most cases (680 Fico and above).

Payment Terms:   Revolving

Phone:   800-961-5125

Visit Their Website: Click Here

Open an Account:  Signup Online

Service Description:  First National Bank of Omaha. Applicant must be in one of the following states: Nebraska, Iowa, Colorado, Texas, Illinois, Kansas.

Reports To:  D & B, Experian and Equifax

Getting Approved: Entity in good standing with Secretary of State. EIN number with IRS. Business address- matching everywhere. D & B number. Business License- if applicable. Business Bank account. If social is required on application ask credit department if credit will be pulled or if just for informational purposes.

Payment Terms:  Revolving, Net 60 or Net 30

Phone:   800-819-4249

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Hawaiian Airlines, Inc. is the largest airline in Hawaii. It is the 11th largest commercial airline in the US, based in Honolulu, Hawaii.The airline operates its main hub at Honolulu International Airport.

Reports To: D&B, Experian and Equifax

Getting Approved: The approval process takes between 1-5 minutes. In some cases the application may need further review. If your application is approved you will receive your credit card in the mail between 7-10 business days (2 weeks).

Payment Terms:  Revolving

Phone:  800-551-0839

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description: With KeyBank Business MasterCard® or the KeyBank Business MasterCard with Rewards, you earn points redeemable for airline travel, merchandise, gift certificates and much more. -No annual fee -0% introductory rate for six months on purchases and balance transfers -Generous credit lines -Simplicity and convenience of a traditional business card -Separate business and personal expenses

Reports To: Experian and Equifax

Getting Approved:  Do not apply for this no PG account until you have at least 10 reporting tradelines, an open D&B file, and a minimum $10K high limit reporting from another account under your business name. Print our provided application, fill out, and fax to 800-733-2494. Approval or Denial seems random. Some members have reported being approved without including personal info on application. Key bank says no approvals without personal guarantee and Fico above 650, unless company has annual revenues in excess of 350k and a solid business credit profile with 10 or more tradelines. They will also check your debt to income ratio. If you think you match their criteria, we suggest applying and leaving the personal guarantee section blank. Because this section is left blank, your application will take longer to process. Please allow 2-4 weeks. Make sure to include a copy of a voided business check, copy of a utility bill showing the business address and phone number, and a copy of your business license. (If you do not have a business license, then just include the voided check and utility bill.) To Apply, call them at 888-KEY4BIZ® (888-539-4249). Or go into a branch location.

Payment Terms:  Revolving

Phone:   888-539-4249

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description:  Southwest is the nation’s largest carrier in terms of originating domestic passengers boarded and, including AirTran, operates the largest fleet of Boeing aircraft in the world to serve 97 destinations in 41 states, the District of Columbia, the Commonwealth of Puerto Rico, and six near-international countries.

Reports To: D&B, Experian and Equifax

Getting Approved: Credit check on overall company history

Payment Terms:  Revolving

Phone:   800-792-0001

Visit Their Website: Click Here


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