Revenued Business Card Review 2024

• Is the Revenued Business Card the Best Card for You?
• Rewards
• Benefits and Features
• Annual Fee and Other Costs
• How the Revenued Business Card Compares
• Frequently Asked Questions

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Capital One Spark 1% Classic†. The details for these products have not been reviewed or provided by the issuer.

$0

Factor based

N/A

Bad to Fair

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 3% cash back on all purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No credit history required for approval

• con icon Two crossed lines that form an 'X'. Unavoidable interest charges
• con icon Two crossed lines that form an 'X'. No real ongoing benefits
• con icon Two crossed lines that form an 'X'. Sole proprietors are ineligible

• Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Earn 3% cashback on every single card purchase. All categories apply.
• The card that cares less about your credit score and more about your business.
• Includes the Revenued Flex Line.
• A flexible line and business card bundled in one.
• No application, annual, or draw fee.
• Terms apply.
• Spending limit determined by cash flow of your business and other factors.

The Revenued Business Card has a large bonus, earns 3% back on all purchases with no credit check, and doesn't even charge an APR — but there's a big catch.

The Revenued Business Card is a no-annual-fee business card that will consider approving you according to your business income (instead of your credit score). It's great for those with low credit scores — but it will do no good in helping you build credit, as the card won't show up on your personal credit report.

The card has a large bonus and a flat 3% return rate everywhere — but take caution before you apply. This card's mandatory "factor rate" fees can be a deal breaker.

Revenued Business Card Review: Is It the Best Credit Card for You?

The Revenued Business Card has a handful of characteristics that (for better or worse) make it unique within the credit card world. This card competes with credit cards, but it's actually not one itself. It gives you a flex line of sorts for a portion of your future revenue.

Most notably, the card is similar to the X1 Card in that it prioritizes your income instead of your credit score when deciding if you're a good candidate. This means that, so long as your business revenue is respectable, you could be eligible for the Revenued Business Card even if your credit score isn't great. Your credit will not receive a hard inquiry when you apply.

This is an excellent card feature — those with a lower credit score often have difficulty being approved for business credit cards from other banks. If you're desperate for business funding and your credit is in a state that prevents you from opening a proper small business card, you might give this a look (though we recommend you consider it a last resort — we'll explain why).

This card earns 3% cash back on all purchases. However, this card also comes with some serious deterrents:

• Your business will need to gross a minimum of $10,000 per month to qualify
• You'll need a business bank account with a minimum average daily balance of $1,000 per day
• Sole proprietors don't qualify
• Your company must have been operating for at least six months

In other words, it's not good for those who have a moderately profitable side gig.

Now for the worst part: Though you won't be charged an annual fee, the Revenued Business Card incurs unavoidable "factor rate" charges. You'll pay up to 49% in fees on the charges you make. That's the tradeoff you'll have to endure for such a relaxed application approval process.

If you've got a credit score above 700, we suggest you apply for other small-business cards, such as the $0-annual-fee Ink Business Cash. It comes with solid earning rates and an enormous welcome offer of $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. Plus, you're guaranteed to pay no interest if you pay off your bill in full each month.

Let's examine the Revenued Business Card more closely to see if this is a card you should consider.

• Ink Business Unlimited® Credit Card
• Ink Business Cash® Credit Card

Revenued Business Card Rewards

Welcome Bonus

The Revenued Business Card comes with a welcome bonus of $500 cash back after you spend $5,000 in eligible purchases on the card within your first 3 months from account opening. For a no annual fee credit card, that's near the top of the market.

How to Earn Rewards

For those with a less-than-stellar credit score, finding a small business card that earns any meaningful amount of rewards is nearly impossible. The Revenued Business Card bucks this trend.

To boot, you'll earn a flat 3% cash back on all purchases. That's well above average for a no-annual-fee cash-back credit card (though, as we'll see later, it's not quite as good as it sounds for most cardholders).

How to Use Rewards

The rewards you earn with the Revenued Business Card are straight cash. It's simple to redeem, because you can use it for anything. There are no complicated strategies to learn, as is sometimes the case in the world of travel rewards. If you want to use it to lower your card balance, for rent, or any other of life's trivial expenses, it's easy to do.

Cash back collects in your account and can be redeemed once you've earned at least $10. It'll direct deposit into the bank account you've linked to your card.

Revenued Business Card Benefits and Features

This card doesn't promote a long list of features. Its appeal lies almost exclusively in the fact that it can be opened by those with bad credit.

Flexible Credit Line

The amount of money you're able to spend (called your Flex Line) on the Revenued Business Card changes according to factors such as your income, business account savings, debt, etc. You can be approved for up to $100,000.

'Factor Rate' Fees Instead of APR

Hear me out. Depending on your situation, this can be a benefit.

The Revenued Business Card charges you based on "factor rate" instead of interest for a hanging balance. We'll show you how to calculate these below, but just know that you could be charged between 10% and 50% of your total bill — no matter how quickly you pay off your balance. That's a nightmarish thought for anyone who pays their credit card balance each month and never has to worry about interest fees.

However, if you plan to make a purchase that you can't pay off in the near future, factor rates could actually work in your favor — provided you receive a rate closer to 10%. Here's why.

Most rewards credit cards have interest rates exceeding 20%. That means:

• If you were to spend $1,000 on a card that enforces a 20% APR, you could pay off your card in 18 months by making $65 monthly payments. You'd be charged $166 in fees.
• If you were to spend $1,000 on the Revenued Business Card with a factor rate of 10%, an 18-month payoff plan would result in just $100 in fees.

If you're the kind of company that will pay things off quickly, the Revenued Business Card is probably not for you.

$0

Factor based

N/A

Bad to Fair

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 3% cash back on all purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No credit history required for approval

• con icon Two crossed lines that form an 'X'. Unavoidable interest charges
• con icon Two crossed lines that form an 'X'. No real ongoing benefits
• con icon Two crossed lines that form an 'X'. Sole proprietors are ineligible

• Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Earn 3% cashback on every single card purchase. All categories apply.
• The card that cares less about your credit score and more about your business.
• Includes the Revenued Flex Line.
• A flexible line and business card bundled in one.
• No application, annual, or draw fee.
• Terms apply.
• Spending limit determined by cash flow of your business and other factors.

Revenued Business Card Annual Fee and Other Costs

The Revenued Business Card charges a $0 annual fee. It also does not have any monthly fees. The card does not charge foreign transaction fees — but that's because you can only use it domestically.

This card doesn't charge interest for your balance, but instead a factor rate. Factor rates tend to be between 1.1 and 1.5. Every time you use your card, you will be subject to whatever factor rate Revenued has given you.

To determine how much you'll pay in fees, simply multiply your payment amount by your factor rate. For example, if you spend $2,000 and your factor rate is 1.1, you're guaranteed to pay $2,200 — that's $200 in fees ($2,000 x 1.1). When you make a purchase, you will immediately owe whatever percentage your factor rate dictates.

The 3% cash back does its part to mitigate these fees slightly — but just know that you're never going to come out ahead.

How the Revenued Business Card Compares

Revenued Business Card vs Other No-Annual-Fee Cash-Back Business Cards

Revenued Business card vs other business cards for lower credit scores

Revenued Business Card Frequently Asked Questions

Interestingly, the Revenued Business Card is a hybrid flexible spending line and prepaid card. It provides a flex line to you in return for a fee based on your projected future revenue. Your credit habits are reported to Dun & Bradstreet, a company that feeds your information to the Small Business Financial Exchange (which manufactures a business credit score for you).

You don't even need a credit score to be approved for the Revenued Business Card. Revenued looks at your business income when deciding to approve you — not your credit.

If you own a business (not a sole proprietorship) that grosses at least $10,000 per month, you may qualify for this card. However, you'll also need to have been in business for at least six months. You'll also need a business bank account with an average minimum daily balance of at least $1,000 — and you must never have more than three days of negative bank balance.

Why You Should Trust Us: How We Reviewed the Revenued Business Card

We've compared the Revenued Business Card against other similar no-annual-fee small business cards using our credit card rating methodology. Weighing the card's welcome bonus and easier-than-usual application process with its mandatory (and potentially sky-high) interest rates, we've pegged the Revenued Business Card at a modest 3 out of 5 stars.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

† The information related to the Capital One®️ Spark®️ Classic for Business has been collected by Business Insider and has not been reviewed by the issuer.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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