| Last updated on November 9th, 2023
Revenued Business Card Visa®
Revenued Business Card Visa®
- See Terms* Regular Purchase APR
At a Glance
The Revenued Business Card Visa® combines the benefits of a business card with a Flex Line of capital. This combination means there are no hard credit checks to apply, with Flex Lines available in as little as 24 hours, with no hidden fees or annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $500 in cash back after spending $5,000 on your card in the first 3 months
- Earn 3% cash back on every purchase
- Apply and get a funding decision in as little as an hour
- No monthly or annual fees while you use your card or Flex Line
- Approvals are based on revenue, not your credit score
- No fees or hard credit checks to apply
- Regular Purchase APR: See Terms*
- Foreign Transaction Fee: See Terms
- You have a business with at least $10,000 or more in monthly deposits
- You don’t want to use your personal cards for their business
- You want to earn rewards on your business spending
- You don’t want to pay any annual fees or draw fees
Revenued Business Card Visa® Review
The Revenued Business Card Visa® is a business card and Flex Line combination. Revenued’s revolutionary small business scoring system looks beyond personal credit. Instead, it looks at revenue to offer companies much more than their current personal credit card or business card. Revenued believes all businesses should have access to capital, no matter their credit score.
What Are the Benefits of Business Credit Cards?
Many small businesses rely on checking accounts to handle their day-to-day expenses. While these practices are “dollar-wise,” they can lead to significant issues. Issues related to a lack of business credit include the inability to invest in your company, bottlenecks in production, and more.
Here are some of the best reasons to consider a business credit card:
|Bigger sign-up bonuses||Many business credit cards come with more significant signup bonuses than personal credit cards. Some of the best business cards offer bonuses of 100,000 points or more after meeting a minimum spending requirement.|
|Unique spending categories||Business credit cards occasionally earn bonus points or miles for purchases in categories that personal cards don’t offer. Common bonus categories for business cards include office supplies, internet and telecommunications, advertising, shipping, and more. These categories may align better with your spending habits than other personal bonus categories.|
|Higher credit limits||Most small business credit cards come with substantially higher limits than personal cards. According to Experian, the average credit limit for a personal card is about $30,000; for a small business credit card; however, the average credit limit is $56,000.|
|Expense and spend management tools||Business cards come with a variety of business monitoring tools. These can help streamline your finances, track purchases, and even assist in writing off spending as a business expense.|
|Travel benefits||Some business cards do not charge foreign transaction fees, include a signup bonus worth a free flight after you spend a certain amount within the first few months of card membership, and more.|
Easy Application Process & Generous Flex Lines
Applying for Revenued is simple. Revenued doesn’t perform a hard pull on an applicant’s personal credit score, instead basing Flex Line limits on revenue – and not FICO alone. Once you apply, you’ll receive a funding decision in as little as an hour and have access to your funds within 24 hours.
Here are the minimum requirements for getting Revenued:
- Businesses must operate in the U.S., must not be a start-up, and MUST have been in operation for at least six months
- Businesses must have a separate bank account with $10,000 or more in deposits and no more than three negative balance days each month
- Business must not be a sole proprietorship and must have employees
- Business cannot be a financial services or law services company
Flex Line limits are up to $100,000 and, as mentioned, are available within 24 hours of account opening. Keep in mind that Revenued does have purchasing limits on your card, however. For example, companies can spend a maximum of $10,000 per day and $50,000 per month. The maximum allowable single purchase on a card is $10,000.
Lucrative Sign-Up Bonus and Rewards with Every Purchase
If Revenued’s application process is simple, so too are the rewards. New accounts enjoy a particularly juicy welcome bonus after meeting minimum spend requirements. You’ll earn $500 cash back after spending $5,000 on eligible purchases within your first three months on your card. Given that the card has no annual fee and simplified approval requirements, that introductory bonus offer is exceptional.
Even better, cardholders earn 3% cash back on all card purchases, with no caps or confusing categories. That cash back rewards rate is superior to many business credit cards, making this card even more enjoyable with everyday use.
Business Card Comparison
Finding the right business credit for your company is critical. Here are two similar options to Revenued:
Ramp Visa Card
Revenued Business Card Visa®
BILL Divvy Corporate Card
|Use to shop at any retailer worldwide that accepts Visa cards||Receive $500 in cash back after spending $5,000 on your card in the first 3 months||Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts|
|Earn unlimited 1.5% cash back on every purchase||Earn 3% cash back on every purchase||Earn up to 7X on dining purchases, up to 5X on hotels, up to 2X on recurring software subscriptions, and up to 1.5X on all other purchases|
|Add virtual cards to your Apple Wallet or Google Pay||Approvals are based on revenue, not your credit score||Combines seamless expense management software with business cards so you never have to process another expense report|
|Block or restrict spending to a specific vendor – for either a specific card or your entire company||No monthly or annual fees while you use your card or Flex Line||No contract, no obligations|
|No fees – including foreign transaction, setup, or replacement fees||No fees or hard credit checks to apply||No interest rates, no annual fee|
Other Revenued Features
Other features of the Revenued Business Card Visa® include:
- EMV cards with chip and pin plus contactless payment technology
- Customer service support from Revenued’s 5-star team
- Dedicated Account Manager to help you make the most of being a Revenued cardholder
Revenued also provides Visa Business Platinum features, including:
|Zero Fraud Liability||Roadside Dispatch||Cardholder Inquiry Services||Purchase and Extended Protection|
|Lost/Stolen Card Reporting||Emergency Card Replacement||Auto Rental Collison Damage Waiver||Travel and Emergency Assistance Services|
Should You Apply for the Revenued Business Card Visa®?
The Revenued Business Card Visa® with Flex Line is an interesting, compelling prepaid option for companies that want lucrative rewards but not a hard credit check. Revenued’s Flex Line offers up to $100,000 in business capital. Add to that a generous welcome offer of $500 cash back after spending $5,000 on eligible purchases within your first three months and 3% cash back on all purchases, and this Visa business card provides quite a bit of oomph – without any additional fees.
One drawback with Revenued is the ability to build credit. Using the card will not build credit. Instead, the Flex Line needs to be used (and repaid) to boost business credit. Still, for those planning to access even more capital, that should be a fairly easy task.
Overall, the Revenued Business Visa and Flex Line provide significant value for companies that meet the eligibility requirements. The Revenued Business Card offers many of the benefits of a commercial charge card, just without the interest – and even more lucrative rewards.
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