Revolving Accounts for Major Retail Card Providers


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The Rules For Applying With Revolving Are...

The Rules For Applying With Revolving Accounts Are...

  1. Always submit each application with your personal SSN number information left blank.
  2. If any of the revolving accounts ask for a social security number, be sure to tell them you want to first try qualifying for credit terms based solely on your business information.
  3. You may need to provide a personal guarantee (PG) with some of these providers. Giving a PG is OK as it only affects the guarantor's personal credit in the case of total default. A few late payments will not affect your personal credit, but you still should not be late on payments!

Check the revolving credit providers you would like an account with. Then click "Save & Continue". Pay careful attention to their approval criteria before you apply. A summary of your selected accounts will appear on the last page of this Step and on your Dashboard.

Contact Us

Open an Account:  Signup Online

Service Description:  Online shopping from the earth’s biggest selection of books, magazines, music, DVDs, videos, electronics, computers, software, apparel & accessories, shoes, and much more.

Reports To: D&B, Experian, and Equifax

Getting Approved: Approvals are based on Equifax file.Have 5+ trade lines with a combined total of over $10,000 reporting on equifax before applying.

Payment Terms:   Revolving

Phone:  866-634-8381

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description:  Finance Mac, iPad, iPhone, software, accessories and more for your business and choose from convenient payment options to suit your budget.

Reports To: D&B

Getting Approved:  Entity in good standing with Secretary of State. EIN number with IRS. Business address (matching everywhere). DUNS number. Business License (if applicable). Business Bank account. No minimum time in business. Established business credit history (10 or more reporting tradelines best). Minimum purchase of $4000. At least 3 years in business. If less than 3 years, a PG is required. If business credit history is not strong, a PG is required.

Payment Terms:  Revolving

Phone:  800-854-3680

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Best Buy For Business has the right technology products and services to help your business run smarter. Find commercial-grade products with business-friendly features, as well as popular products from the extensive Best Buy selection.

Reports To: D&B

Getting Approved:  Must provide a bank reference, and 2 trade references. $10,000 collective limits, 10 reporting trade lines and 80+ D&B score recommended before applying.

Payment Terms:   Revolving

Phone:  800-373-3050

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description: BJ's Wholesale club is a classic warehouse retailer that sells everything from groceries, to home fitness equipment, electronics, office supplies, and much more. They have over 210 locations in 15 states across the US.

Reports To: Experian

Getting Approved: This is a true MasterCard that works anywhere MasterCard is accepted. BJ's requires a federal EIN, and a BJ's business membership number to apply. To get a BJ's membership number go to https://www.bjs.com/purchase.membership.options, and select business. BJ's pulls Experian, and almost always decline businesses with showing bankruptcies. Approved card members will automatically be enrolled into the BJ’s EASY renewal program. Your BJ’s Membership renewal fee will be billed directly to your My BJ’s Perks MasterCard. If you choose to opt out of BJ’s EASY renewal, the BJ’s Membership discount feature of this credit card account will not be available to you. You may change your BJ’s EASY renewal preference by calling 844-268-8093­. Sole Props MUST provide a personal guarantee.

Payment Terms:   Revolving

Phone:   800-257-2582

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Costco Wholesale operates an international chain of membership warehouses. With your American Express Costco True Earnings Business Card, you can enjoy no annual fee and no pre-set spending limit. 4% Cash back at U.S. gas stations and on gasoline at Costco up to $7,000 per year in purchases, (then 1%). 2% Cash back at U.S. restaurants. 2% Cash back on eligible travel purchases, including at Costco. 1% Cash back on other purchases, including at Costco.

Reports To:  D&B and Experian

Getting Approved:  They will look at personal credit as well as business credit with possibly all three business credit agencies for approval. EIN number will be required to apply. They may also require a personal guarantee if you have been in business less than 2 years and have little to no business credit.

Payment Terms:   Revolving

Phone:  800-223-2670

Visit Their Website: Click Here


Open an Account:  Signup Online

Service Description:  L.L.Bean, Inc. has been a trusted source for quality apparel, reliable outdoor equipment and expert advice for over 100 years.

Reports To:  Experian and Equifax

Getting Approved:  14.24%, 17.24% or 20.24% when you open your account, based on your credit worthiness.

Payment Terms:  Revolving

Phone:  866-383-8471

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Menards is headquartered in Eau Claire, Wisconsin and has more than 280 home improvement stores located in Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin and Wyoming. Menards is known throughout the home improvement industry as the low price leader.

Reports To:  Experian & Dunn and Bradstreet

Getting Approved:  Must provide PG if your business is a sole prop, partnership, or if you have been in business for less than 2 years. Must provide EIN. Print out application online, and submit by mail, or in store.

Payment Terms:  Revolving

Phone:  800-871-2800

Visit Their Website:  Click Here


Open an Account:  Signup Online

Service Description:  Sam's Club is a warehouse retail chain offering office supplies, business furniture, vending items, janitorial/cleaning supplies, paper products, food service supplies, computers and more.

Reports To:  D&B and Experian

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. It is preferable that you walk in and apply in person. Fill out the application online, print it out, and bring it into a local Sam's club. You will want to leave the personal guarantee section blank for this application. The representative may notice this and tell you that this needs to be filled out. Please decline and tell them that you would like this section to be left blank. We have found in the past, that some employees of Sam’s Club will be persistent that you complete this. They simply do not know that Sam’s Club will process your application even though this is blank, as long as your business credit is strong enough. Because this section is left blank your application will take longer to process, please allow 2-4 weeks. EIN number required. Be 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.) This is a store membership card that costs you $35 per year and offers savings only. Not a net 30 account. Once a member, you can apply through Sam’s Club for up to a $25,000 SBA loan but you must be a member first!

Payment Terms:  Revolving

Phone:   888-746-7726

Visit Their Website:  Click Here

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