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Home > Credit Cards > Inksm Classic Business - Up to 25,000 Bonus Points

Inksm Classic Business - Up to 25,000 Bonus Points

Snapshot of Card Features:

  • Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
  • 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
  • 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn
Intro AprBalance TransferOngoing APRAnnual FeeCredit Needed
0% Intro: 0%
12 months		10.24%$0Excellent
 

Our Expert Review

Rates & Term Details

Complete Card Details
For the complete terms and conditions, view this card's Schumer Box

What is a Schumer Box?
A Schumer Box includes the following rate and term information for all credit cards:

  • Annual Percentage Rate (APR) for purchases (or interest rate)
  • Other APRs - interest rates for balance transfers, cash advances, default, etc.
  • Variable rate information (if applicable)
  • Grace Period
  • Finance calculation method
  • Finance Charges
  • Annual Fee (if applicable)
  • Other fees - transaction fees, balance transfers, cash advances, late payments, over-limit, etc.

Important
Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.

Notes
*View Inksm Classic Business - Up to 25,000 Bonus Points card rates, fees, rewards and other important information.


Beverly Harzog - September, 2011

The Inksm Classic Business  Up to 25,000 Bonus Points credit card offers a robust rewards program for small business owners. You can earn reward points on business expenses, including wireless services, office supplies, travel and more. With your very first purchase, you get 15,000 bonus points.

Benefits

Business owners can use the Ultimate Rewards Travel Booking Tool to plan complete itineraries for trips. You can also get cards for employees at no extra cost.

Rewards

After your first purchase, you earn 15,000 bonus points. Spend $5,000 within three months of opening your account and get an additional 10,000 points. You earn five points per $1 on the first $25,000 you spend annually on office supplies, wireless services, and landline communication and cable services (up to a maximum of 100,000 points). And you earn two points per $1 on the first $25,000 you spend annually on fuel and lodging. You earn one point for each $1 spent on other purchases. Earn an additional 1 point for each $1 spent on eligible airfare purchases when you use the Ultimate Rewards Travel Booking Tool. There are no limits to the number of points you can earn when you use the online booking tool. Note that you may be charged a $20 service fee for using the toll-free number to book or change your itinerary.

Balance Transfers

This card offers a zero percent introductory APR for the first six billing cycles that your account is open. After the intro period ends, you get a variable APR of 13.24 percent. There's a 5 percent fee.

Rates

The Inksm Classic Business  Up to 25,000 Bonus Points offers a zero percent introductory APR for the first six billing cycles that your account is open. After the intro period ends, you get a variable APR of 13.24 percent, depending on your credit history. Cash advances carry a variable APR between 19.24 to 23.24 percent. Theres a 5 percent fee for a cash advance. Foreign transaction fees are 3 percent. Theres no annual fee.

Who Should Apply

Business owners with excellent credit who are looking for a credit card with a solid rewards program and no annual fee.

Credit Standing

You need excellent credit to qualify for this card, which means you need a FICO score of at least 750.

Author

Beverly Harzog

About Credit.com's Credit Cards and Prepaid Cards:

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The key to success with credit cards is to know how to use them to your advantage and not to get caught up in the traps that lurk behind the benefits. Credit.com offers many kinds of credit card benefits, from airline and gas rewards to cashback cards, and the first step is filling out a credit card application online. You can also apply for specialty credit cards, such as student credit cards or business credit cards. Credit.com also offers credit cards for the United Kingdom and Canada.

In addition to credit cards, Credit.com offers three other card options that can provide excellent choices for people with less-than-perfect credit: Prepaid cards from Mastercard and Visa allow you to load money onto the card and then use it like any other major credit card. They require no credit approval and carry the same fraud protection as the regular cards. But fees can be high, so be sure to shop carefully for a prepaid card.

Secured cards require you to open a bank account and deposit funds in a bank account (security deposit) in case you can't pay the bills. You'll get a major credit card you can use anywhere those types of cards are accepted. Shop carefully for a secured card to avoid costly fees.

Debit Cards issued under the Visa card or Mastercard name can be widely used and carry fraud protection. But if your card number is stolen and used, you'd want to find out immediately. Otherwise, you could bounce checks. One strategy: Have two checking accounts and associate your debit card with the one with the small balance. Just transfer the purchase amount into the account before you buy something with the card.

  

*For complete information, see the terms and conditions on the credit card issuer's web site. Once you click to apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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The Pros and Cons of Prepaid Cards

Prepaid cards offer the convenience of a credit card without the difficult approval process or risk of getting into debt. These cards work a lot like a gift card, you will have to load the account with cash (direct deposit is usually available) before you can use it for a purchase

Prepaid cards are not credit cards; you cannot spend more than the balance you have deposited and you will not be charged interest for your spending. The prepaid account will not be reported to the credit bureaus as a credit card.

Pros:
Cons:

Fees and charges can vary significantly between different prepaid credit card offers. Be sure to read the fee schedule for the prepaid credit card before you apply.


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