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Kisah Wanita Rohingnya Yang disekap lalu di perkosa oleh tentara, Begini Kondisinya saat itu sanggat memprihatin





he Wells Fargo Business Secured Card is the best because it offers a low APR and high credit limit compared to other business secured cards. It also has a rewards program that allows you to choose cash back or points for a $50 annual fee. There is also a $25 annual fee per card, waived year one. The terms for the Wells Fargo Business Secured Card are favorable for a secured card. Wells Fargo typically approves most business owners with a credit score above 550 and you can deposit between $500 – $25k into your collateral account. The APR on this card is currently 16.15% and is significantly lower than many of the other secured cards available. You can even enroll in a rewards program with the Wells Fargo Business Secured Card. Once enrolled, you can choose to either earn 1 point or 1% cash back per dollar spent. If you choose the points you can redeem them for gift cards, travel, and more. However, this Wells Fargo Rewards program is optional and costs $50 per year, waived the first year. Additionally, the Wells Fargo Business Secured Card has a $25 annual fee per card, up to 10 employee cards max. Although, if you spend enough on the card the rewards points/cash back can offset the fees, and once you build your credit you can apply for an unsecured small business credit card with better terms. Wells Fargo reports payments on this card to both the consumer and business credit bureaus such as Dun & Bradstreet. This means that if you regularly make timely payments, you can boost both your personal and business credit score. For more information on the types of business credit scores, you can read our ultimate business credit score guide. Wells Fargo Business Secured Card Costs, Rates, & Fees The Wells Fargo Business Secured Card’s APR is typically pegged to the prime rate plus 11.90% and is currently around 16.15%. However, since the APR is pegged it can change based on market conditions. Further, the Wells Fargo card has a cash advance fee equal to the prime rate plus 20.74% for each advance. Your APR or cash advance fee can change without your knowledge. Business cards are not covered the Credit Card Accountability Responsibility and Disclosure Act (or CARD Act), which regulates interest rates and other fees on consumer credit cards. It’s therefore important to pay off your card balance in full each month, especially if you’re trying to better your business credit score. The Wells Fargo Business Secured Card charges a $25 annual fee per card. It also has a $50 annual card fee to enroll in its rewards program. However, if you charge at least $7.5k to your card you’ll offset the annual fees with cash back or reward equivalents. The card doesn’t allow balance transfers and there are no foreign transaction fees. Wells Fargo Business Secured Card Credit Line & Collateral Secured credit cards require an initial deposit that becomes the collateral for your credit line. The possible credit line on a Wells Fargo Business Secured Card can range from $500-$25k. The initial deposit into your account will be your credit line. For example, if you deposit $1k initially, your monthly credit limit will be $1k. When you open a secured business credit card with Wells Fargo you make an initial deposit into a collateral account. If you want to add funds later it’s treated as a credit line increase request and requires a credit check. If you want to withdraw funds from the account it will be treated as a cash advance and subject to cash advance fees. Wells Fargo Business Secured Card Rewards Program The Wells Fargo Business Secured Card is one of the only business secured credit card we reviewed for this guide that offers a rewards program. For a $50 annual account fee (waived the first year), you can enroll in Wells Fargo’s Business Rewards Program. That fee covers the primary cardholder and all employee cards on the company account. Once enrolled, you can choose to earn either rewards points or cash back. If you pick cash back you’ll earn 1% on all purchases as a statement credit to the account. If you pick points you’ll earn 1 point for every dollar spent on the card, redeemable for gift cards, hotels, and more. For information on the better option for you, read our article on points vs cash back. Further, Wells Fargo offers bonus points or cash back for customers who regularly use the card. For every month that your total account finances at least $1k collectively, you can get 1k bonus points or a $10 statement credit. This can happen indefinitely and the threshold resets at the beginning of the new month. If you’re looking for an unsecured small business credit card that offers you a high degree of flexibility plus great rates and rewards, take a look at Chase. Choose between excellent cash back offers and travel rewards. You can see exact rates, terms and detail here. 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