How: Check for pre-approved offers at this link<\/a>.<\/p>\n Why to consider it: It\u2019s offering $500 for $3,000 in spend in 90 days, which is a historically low spend requirement. It won\u2019t affect Chase\u2019s 5\/24 rule because it\u2019s a business card that won\u2019t show as a new account on your credit report. It has no annual fee and great categories for earning unlimited 3% on spend (gas, office supply, telecom). It gives a 25% bonus on earned rewards every year, up to $250.<\/p>\n Why to skip it: US Bank sometimes doesn\u2019t like approving credit cards if you don\u2019t have a banking relationship with them (YMMV). You don\u2019t have any sort of actual or made up business, such as selling goods on ebay twice a year.<\/p>\n How: Apply directly here<\/a>.<\/p>\n Why to consider it: It earns +3 Membership Rewards points on your MR earning Rakuten account when you purchase items through the Rakuten shopping portal. It\u2019s the original MilesEarnAndBurn Unsung Hero<\/a>. It has no annual fee. You get $10 after your first purchase. Synchrony doesn\u2019t have many interesting cards, so you can hit this one hard and if you get shut down, \ud83e\udd37\u200d\u2640\ufe0f. There are opportunities to manufacture spend online through the Rakuten portal.<\/p>\n Why to skip it: You haven\u2019t converted your Rakuten account to a Membership Rewards earning account yet. You don\u2019t ever shop online. Synchrony is known for giving small credit lines. It could mess up your 5\/24 plans.<\/p>\n2. US Bank Business Cash Rewards Card<\/h4>\n
3. Rakuten Visa Credit Card<\/h4>\n
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