By Adam Jusko, ProudMoney.com, adam@proudmoney.com

The Brex Visa Corporate Card is a card that aims to give startup companies fast access to credit without the need for a personal guarantee from a company founder or top executive. Many small business credit cards do require such a personal guarantee, so the Brex Visa could be attractive to startup businesses.

Seems To Target Mostly Tech Startups

However, Brex seems to mainly be targeting tech startups that have good-sized investments from venture capitalists or other deep-pocketed backers, meaning their ideal customer probably has a good cash position even if the company as a whole doesn’t have a credit history for Brex to consider. In other words, they’re probably not going to approve a local startup restaurant owner in Minnesota. (Or wherever outside of Silicon Valley.)

In fact, some of Brex’s own backers are tech-focused venture capitalists or individuals, including two PayPal founders, Peter Thiel and Max Levchin.

By Adam Jusko, ProudMoney.com, adam@proudmoney.com

I hate buying cars. I hate going in and dealing with the salespeople. I always feel like there are a lot of fake niceties but in the end their goal is to sell me a car at the highest possible price and make a sucker out of me. I hate feeling like I’ve been played for a fool.

So, for the second time in the last 10 years, my wife and I bought a car through the Costco Auto Program. This time, though, the process included an unintended experiment, which added to my appreciation for the Costco car buying experience. I’ll tell you about that experiment in a moment.

A quick review of how the Costco Auto Program works

Costco does not sell you a car directly. Instead, Costco has a network of dealers it works with, and it sets firm prices on car models with those dealers. The price you get will probably be invoice + $500, but not always.

There is usually a dedicated person at the dealership who deals with Costco customers. He or she has a whole book that details what each model sells for; you can ask to see that if it is not volunteered by the sales person. Note that some dealerships leave out certain models from the program, usually popular models that they think they can sell at a higher price without Costco’s help.

By ProudMoney.com Staff

This is the cut-to-the-chase list of our Top 10 credit cards (actually 17, oops), based on overall quality, which could mean any combination of rewards, low interest rates, or other features that we choose. Which is the best credit card? We’ll give you our #1 choice, but you’ll be proud to go into financial battle with any of the others, too:

#1 PayPal Cashback Mastercard – You get 2% cash back on every purchase with this card, which is accepted anywhere that takes Mastercard, both online and offline. Your cash rebates are deposited straight to your PayPal account (you’ll need to establish a PayPal account if you don’t already have one), where you can use that cash toward online purchases or have it moved to your bank account. No annual fee and a generous, easy-to-understand rebate formula puts this newer credit card right up at the top as the everyday cash-back choice in today’s market.

#2 Citi Double Cash Card – Citi unnecessarily complicates this offer, which fools some into not realizing how good it is. Bottom line: You get 2% cash back on all your purchases, provided you eventually pay them off. What that means: You get 1% cash back on the purchase as soon as you make it, then you get 1% cash back on your card balance payments. 1% + 1% = 2%. No annual fee.

Bank of America offers 4 main credit cards in the general consumer credit card market. Below we rank & review these cards, plus offer a few words about special cards like those for students or those with bad credit/no credit.

Bank of America Cash Rewards Visa – While we rank this Bank of America credit card first, it’s not by much, and we overall think this card is only OK when compared to other cash back credit cards. You’ll get 3% cash back on your gas purchases with this card, 2% back at grocery stores and wholesale clubs, and 1% back on everything else. Note that there is a cap on the earnings in the categories above 1% — if you hit $2500 in combined gas/grocery store/wholesale club purchases in a calendar quarter, any further purchases in those categories would earn 1%. The $2500 threshold is pretty high, so you probably won’t hit it, but it’s worth noting. You can earn a $200 bonus if you use the card for at least $500 in purchases in the first 90 days after you are approved. No annual fee. You also get a 0% interest rate on new card purchases for the first 12 months, and a 0% rate on any transferred balances from other cards for 12 months. However, note that balance transfers incur a one-time fee of 3% of the amount transferred. As mentioned earlier, this is an OK cash back card, but not the best.

If we were looking for an opportunity to work from home, these are the 15 opportunities we’d tackle first. All are legitimate stay-at-home work jobs, and this site does not receive any compensation if you choose to work with one of them. (See also: How To Make Money Without A “Regular” Job)

• Enterprise – The well-known car rental company often hires at-home customer service representatives and reservation agents who work with Enterprise customers by telephone.
• TTEC (TeleTech) – Offers work-at-home customer service opportunities. From their site: “As a TTEC@Home associate, you’ll use TeleTech’s proprietary technology to support and assist customers with a variety of customer service and technical needs. This could include helping customers over the phone, via chat, or on social media. Best of all, you can do it all while wearing your slippers or flip flops! (To get started, you’ll need internet access and a home phone.)”