Best Business Credit Cards

The best business credit cards can help you get more out of your everyday expenses and boost your bottom line. You can earn rewards like cash back or travel miles, build your business credit and get organized with expense tracking tools. When used responsibly, business credit cards can help you save thousands every year.

Business credit cards are very similar to personal credit cards. In fact, you don’t even need a traditional business structure to be approved for a business credit card. Freelancing and even many side gigs can qualify as businesses.

So why get a business credit card? It’s important for budding businesses to develop a credit history as a separate entity from the business owner, which can be achieved by opening a line of credit in the business’s name. With a good business credit score, businesses gain credibility and have access to the best vendors and lowest interest rates.

Another unique benefit of having a business credit card is that it comes with perks that are tailored to the needs of business owners. Travel, office supplies and utility bills are common rewards categories designed to help business owners earn rewards on the purchases they already make. And if you prefer to keep it simple, there are plenty of flat-rate business cards to choose from, too.

But there’s more to business credit cards than lucrative rewards structures. Features like free employee cards, quarterly expense summaries and custom employee spending limits can save time and reduce headaches. Finally, business credit cards tend to come with hefty sign-up bonuses that are not often beat by consumer cards.

We analyzed 368 business credit cards to determine our top picks for small-business owners, from the freelancer to the owner of a traditional, brick-and-mortar storefront. Check out our expert reviews to find a credit card from one of our partners that’s tailored to your business’s needs and aspirations.

The best business credit cards can help you get more out of your everyday expenses and boost your bottom line. You can earn rewards like cash back or travel miles, build your business credit and get organized with expense tracking tools. When used responsibly, business credit cards can help you save thousands every year.

Business credit cards are very similar to personal credit cards. In fact, you don’t even need a traditional business structure to be approved for a business credit card. Freelancing and even many side gigs can qualify as businesses.

So why get a business credit card? It’s important for budding businesses to develop a credit history as a separate entity from the business owner, which can be achieved by opening a line of credit in the business’s name. With a good business credit score, businesses gain credibility and have access to the best vendors and lowest interest rates.

Another unique benefit of having a business credit card is that it comes with perks that are tailored to the needs of business owners. Travel, office supplies and utility bills are common rewards categories designed to help business owners earn rewards on the purchases they already make. And if you prefer to keep it simple, there are plenty of flat-rate business cards to choose from, too.

But there’s more to business credit cards than lucrative rewards structures. Features like free employee cards, quarterly expense summaries and custom employee spending limits can save time and reduce headaches. Finally, business credit cards tend to come with hefty sign-up bonuses that are not often beat by consumer cards.

We analyzed 368 business credit cards to determine our top picks for small-business owners, from the freelancer to the owner of a traditional, brick-and-mortar storefront. Check out our expert reviews to find a credit card from one of our partners that’s tailored to your business’s needs and aspirations.

Editor: Laura Mohammad | Writer: Mariah Ackary

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September 21, 2020

Creditcards.com’s Best Business Credit Cards

Excellent

Credit Recommended (740-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
30,000 points

30,000 in Brex Rewards points upon signup and waived card fees for life ($300+ value in the first year)*

Annual Fee
Up to $60
Regular APR
N/A

Fair to Good

Credit Recommended (580-740)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
N/A

Fair to Good

Credit Recommended (580-740)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$10 per month (waived if over 5,000 gallons per month)
Regular APR
N/A

Fair to Good

Credit Recommended (580-740)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$10 per month (waived if over 5,000 gallons per month)
Regular APR
N/A

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

All information about the Capital One® Spark® Classic for Business, Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business, Capital One® Spark® Cash Select for Business, Ink Business UnlimitedSM Credit Card, Ink Business CashSM Credit Card, Ink Business Preferred® Credit Card and U.S. Bank Credit Cards has been collected independently by CreditCards.com and has not been reviewed by the issuer.


Comparing Business Credit Card Offers

For most businesses – from brick and mortar storefronts to “side-hustles” – a business credit card can be a great tool to track spending, save money on interest, and earn rewards.

Before applying, you should understand the application requirements and credit implications. Though business credit cards are very similar to personal credit cards, there are a few key differences to know about. Finally, it’s a good idea to decide what’s important to you – are you hoping to spread out payments for several large purchases? Or do you simply want to start earning cash back on the purchases you’re already making?

Once you’ve decided what you’re looking for, it’s time to start comparing credit cards. At this point, you’ll be ready to make an informed decision with your business’s unique needs in mind.


best business credit cards of 2020

Best Business Credit Cards

CitiBusiness®/AAdvantage® Platinum Select® Mastercard®: Best for business travel

Our review

As with any cobranded airline card, it only makes sense to get this card if you’re a brand loyalist who flies often, especially since it comes with a $99 annual fee (waived the first year). Small business owners will love the 2X AAdvantage miles on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Plus, the sign-up bonus is significant: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. Read our full review.

Costco Anywhere Visa® Business Card by Citi: Best for everyday cash back

Our review

Business owners who are already Costco members will love this card’s rewards: 4% cash back on eligible gas purchases (for the first $7,000 in purchases annually, then 1% after that), 3% on restaurants and eligible travel, 2% on Costco purchases, and 1% on general purchases. However, be aware that the cash back rewards are only issued once a year in February and are only redeemable at Costco. Read our full review.

Capital One® Spark® Cash for Business: Best for flat-rate cash back

Our review

For the busy business owner, this is a great combination of value and simplicity. You’ll earn unlimited 2% back on all purchases without tracking spending, transferring rewards or juggling bonus categories. You’ll also enjoy a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. However, don’t overlook the $95 annual fee, which is waived the first year.: Just to break even in year two and beyond, you’d have to spend $4,750 in order to earn $95 in cash back.Read our full review.

Capital One® Spark® Cash Select for Business: Best for no expiration on rewards

Our review

This card offers a competitive 1.5% cash back on all purchases, plus no annual fee. Also, the cash back is unlimited, unlike some cards, which have maximum cash back limits. Your rewards won’t expire for the life of the account, and you can set up automatic redemption or redeem cash back in any amount, at any time. The one area that falls short is the sign-up bonus – a meager $200 after spending $3,000 within the first 3 months. Read our full review.

Ink Business UnlimitedSM Credit Card: Best for boosted rewards

Our review

Not only will you earn unlimited 1.5% cash back on every purchase, but you can also transfer your rewards to a qualifying Chase Ultimate Rewards card and boost their value by 25% when you redeem for travel. It also comes with no annual fee and a 0% intro APR for 12 months on purchases – it’s 13.24%–19.24% variable after that. On the flip side, some business credit cards offer a higher rewards rate, such as the Blue Business® Plus Credit Card from American Express. Read our full review.

Ink Business CashSM Credit Card: Best for cash back on office supplies

Our review

It’s one of the only cards that includes a bonus on office supply spending, offering 5% cash back on your first $25,000 in combined purchases at office supply stores, as well as internet, cable and phone services each anniversary year (1% thereafter). If you’re working from home for the foreseeable future, this cash back reward can be a great benefit for providing your employees the services they need to stay productive online. Read our full review.

Ink Business Preferred® Credit Card: Best for business travel

Our review

A hefty sign-up bonus of 100,000 points after a $15,000 spend within the first 3 months makes this a stellar business card. And those 100,000 points are worth $1,250 toward future travel when you book through Chase Ultimate Rewards. The rewards rates are pretty great, too: 3X points on all travel, shipping, internet, cable, phone services and advertising purchases with social media and search engines on your first $150,000 in combined purchases each year (1 point per dollar thereafter). On the other hand, this isn’t the best credit card for those who want to do a balance transfer or finance a large purchase since it doesn’t offer a 0% introductory APR. There’s also a $95 annual fee. Read our full review.

American Express Blue Business Cash™ Card: Best for no annual fee

Our review

A cash back rate of 2% isn’t uncommon among business credit cards, but it is special when paired with no annual fee. Keep in mind, though, the 2% cash back applies only to your first $50,000 in purchases each calendar year (then 1%). This flat-rate cash back card offers some unique features, such as the possibility of spending beyond your credit limit and even earning cash back in those cases. Read our full review.

The Blue Business® Plus Credit Card from American Express: Best for long intro APR period on purchases

Our review

The card offers a 0% introductory APR on new purchases for 12 months (13.24% - 19.24% Variable thereafter), making it useful if you need to finance a large purchase. You’ll also earn 2X points for up to $50,000 a year on business expenses like office supplies and client dinners, and 1 point per dollar thereafter. Read our full review.

Brex Corporate Card for Startups: Best for startups

Our review

One of the most unique business credit cards on the market, the Brex card is truly tailored to meet the needs of startup companies. Earn 7X points on ride-shares, 4X points on travel, 3X points on restaurants, 2X points on software subscriptions and 1X on everything else. While these rates are great, it’s the card benefits that make this card special. Among the Brex card perks you’ll find a fast approval process with no personal guarantee or credit checks required, no annual fee, automated expense tracking, a first-year $5,000 credit for Amazon Web Service and the ability to redeem points for cash back or travel. There is one huge limiting factor, however. You must have a corporate bank account containing at least $100,000 to qualify. Read our full review.

Comparing the best business credit cards offers:

Business Credit Card Best For: Rewards Rate Annual Fee CreditCards.com Rating
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Business travel 2X AAdvantage® miles on eligible American Airlines purchases $99, waived for first 12 months 3.8 / 5
Costco Anywhere Visa® Business Card by Citi Everyday cash back 1% unlimited $0 2.6 / 5
Capital One® Spark® Cash for Business Flat-rate cash back 2% unlimited $0 intro for first year; $95 after that 4.1 / 5
Capital One® Spark® Cash Select for Business No expiration on rewards 1.5% unlimited $0 3.5 / 5
Ink Business UnlimitedSM Credit Card Boosted rewards 1.5% unlimited $0 3.5 / 5
Ink Business CashSM Credit Card Cash back with high rewards rate on office supplies 5% on office supplies, internet Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year $0 3.3 / 5
Ink Business Preferred® Credit Card Sign-up bonus and high rewards on select business categories 3X on travel, select business categories Up to $150,000 annually, then 1 point per dollar $95 3.8 / 5
American Express Blue Business Cash™ Card No annual fee 2% (up to $50k in annual spend, then 1%) No annual fee 3.9 / 5
The Blue Business® Plus Credit Card from American Express Long intro APR period 2X (up to $50k in annual spend, then 1X)  No annual fee 4.2 / 5

Research methodology: how we picked the best business cards

One of the factors we weighed most heavily when selecting the best business credit cards is rewards categories and rates. Ideally, a business credit card should reward you for the purchases your business makes frequently, whether that’s travel, office supplies, or another category. Introductory period and regular APR were also key factors in our decisions, since many business owners use credit cards to finance larger purchases.

Business credit cards analyzed: 368

Criteria used: Rewards categories, rewards rates, redemption options and flexibility, sign-up bonus, customer service, small business perks, annual fee, other rates and

How to choose the best credit card for your business

There’s no one-size-fits-all business credit card. Businesses’ credit needs can vary greatly, and business credit cards come in different shapes and sizes to meet those needs. “Choosing the right business credit card depends on what you’re looking for (cash back, free travel, low interest, etc.),” says Ted Rossman, our industry analyst. “There are lucrative sign-up bonuses to be had, and rewards on spending categories tailored for businesses (such as travel, technology, internet, phone, shipping and online advertising purchases).” Here’s what you need to consider in choosing the best card for your needs:

What types of rewards are you interested in?

The next step is to figure out your preference for rewards. You should think about what the next year or so holds in terms of business spending. Will you be furnishing your home office? What about jumping into online advertising?

  • Do you or your employees travel often for business, and were you loyal to a particular airline or hotel? You might consider signing up for a co-branded airline or hotel card, which can be extremely rewarding for dedicated customers.
  • Or, if you want more flexible redemption options, you might consider a flexible points card, such as the Chase Ink Business Preferred card.
  • If you’re looking for simplicity, a cash back card is probably your best bet – you can redeem your cash back as a statement credit or have it deposited into a bank account without having to worry about how to use rewards points.

Rewards flexibility

You’ll want to know what limitations are in place for redeeming your rewards – cash back is usually the most flexible way to redeem, but gift cards, travel, points and experiences may be just as helpful to some business owners.

Other questions to ask about rewards:

  • Do rewards expire?
  • Are there limits on how much cash back you can earn?
  • What is the minimum redemption amount?

What types of spending do you do?

Once you’ve settled on the type of rewards that you prefer, you should look at how your business allocates its spending:

  • If you spend a lot at office supply stores, you might look at Ink Business Cash, which offers 5% cash back on the first $25,000 spent annually at office supply stores and internet.
  • If you were a frequent traveler and you’re thinking ahead to your future plans, you should look at a card like The Business Platinum Card® from American Express, which offers 5X points on flights and prepaid hotels on amextravel.com.
  • Or, you may earn a higher rewards rate by choosing a flat-rate card that offers the same rewards rate on every purchase.

Pro-tip: Only use your card for business expenses. Not only do issuers discourage charging personal expenses to a business credit card, but it also makes tracking business expenses messier during tax season.

Your credit score

Whether or not you get approved for a business card can be widely based on your creditworthiness – so before you apply, it’s a good idea to conduct an audit of your personal credit score. Most issuers will require a good credit score (670 and above), while others may even require an excellent score (740 and above). Although there are a small number of cards that require fair credit (580-669), just like a personal card, you may increase your chances of getting approved for a business card with a higher credit score.

Interest rates

The variable interest rate of your business credit card is based on your creditworthiness, just as your personal credit card is. If you have good credit, your interest rate will reflect that. The higher your credit score, the lower your interest rate could be. Similar to personal cards, the interest rates will fall and rise with the Federal Reserve’s prime rate. Due to the current state of our nation’s economy, rates have dropped, which can be welcome news to those who tend to carry a balance from month to month. However, interest is still interest, and if left to accrue, it could become difficult to pay down and could be potentially harmful to your business credit score.

Introductory APR

Investing in your business, though necessary, can be costly. If you have a large purchase planned, a business credit card with a 0% introductory APR could help you spread out payments without incurring interest. Some cards have decent introductory periods, such as the American Express Blue Business Cash™ Card, offering 12 months of 0% interest on purchases (it’s 13.24% - 19.24% Variable thereafter).

Additional benefits

While some benefits can save you money, others are aimed at saving time or headache. If you or your employees travel frequently, having no foreign transaction fees or lost luggage insurance may be the most helpful perk. If you have several employees who will be authorized users, having no fee for employee cards can help you save the most money.

Some common business credit card benefits you may want to hunt for include:

  • Travel benefits: no foreign transaction fees, car rental insurance, lost luggage reimbursement, roadside assistance, and travel and emergency assistance
  • Business management tools: quarterly and year-end summaries, QuickBooks integration ability, no fee for employee cards, ability to set individual spend limits for employee cards
  • Purchase safeguards: price protection, purchase protection, extended warranty
  • Savings programs: Many business credit cards include programs such as VisaSavings Edge, Mastercard Easy Savings and American Express that give you a small discount with a select list of merchants.

Read your card’s terms and conditions

Since business cards aren’t regulated by the CARD Act, you should take a close look at your card’s terms and conditions and monitor any changes to terms and conditions that come in your email. Keep an eye out for changes in interest rates, due dates or fees.

How to apply for a business credit card

Once you’ve found the best credit card for your business, it’s time to apply. You’ll need to provide some basic information about yourself and your business.

What you’ll be asked when you apply for a business credit card

  • An EIN or SSN. You’ll need to supply your EIN – the number issued by the IRS to people who have a business located in the United States or U.S. territories. If you’re a sole proprietor without an EIN, you can use your Social Security number instead to apply.
  • Your business information. You’ll need to supply some basic information about your business: The name of your business (or your personal name, if you’re a freelancer), the type of business (partnership, corporation or sole proprietorship), your role in the business, your business address and phone number, how long you’ve been in business, your number of employees, your annual business revenue, and your estimated monthly spend.
  • Your personal information. You’ll need to include your personal details on the application as well, including name, address, contact information, Social Security number, birthdate, mother’s maiden name and household income.

Pro tip: Boost your odds of being approved

Having a well-established business, of course, helps your odds, but you may be able to qualify by just supplying the above information. Here are a few other things you can do to boost your chances of qualifying:

  1. Pay down debt
    Pay down your existing card debt about 30 days before applying for a new card.
  2. List all of your income
    When applying, be sure to list income before taxes, and include income such as pension, alimony and rental income.
  3. Build up your personal credit score first
    Having a good personal credit history is the main factor for getting accepted for a business credit card. If your credit score isn’t good, you need to work on building your personal credit before you apply.
  4. Be honest on your application
    Don’t make up fake revenue for your business hoping to push your application through. If the bank double checks on your application and finds your application isn’t accurate, you could get rejected.
  5. Start a relationship with the bank
    If you already have a relationship with the bank, you have a greater chance of getting accepted for one of their business cards. Start a checking account for your business with the bank and then try applying for one of their cards.

Understanding and building business credit

There are some differences between personal and business credit, which we go into on this page. Here are some tips on how to build business, understanding what is a good rating, and more.

How to build business credit

To build a credit history for your business, you need to establish that your business is a separate entity from yourself and take steps to make sure that your business’s spending activity is being tracked by business credit bureaus. Here are some steps you can take to create a credit history for your business:

  • A business checking account will help you establish your business as a financial entity.
  • Register for a DUN number through Dun and Bradstreet to establish a credit history with them. For Experian and Equifax, establish an LLC so you can get an EIN and set up a phone line with a listed number.
  • If some of your vendor accounts are not making it onto your credit report, you can use D&B’s Credit Builder service to provide positive payment information to your credit report. You can provide D&B with your vendors’ contact information, then D&B will contact them to verify your payment history.
  • Building your personal credit score is one of the first steps to building a credit history for your business. A good personal credit score can help you acquire your first lines of business credit.
  • Apply for a small-business credit card.
  • So that you make your own payments on time (and minimize your need for cash flow), make sure your own customers are paying you in a timely manner.
  • Request credit line increases on your existing accounts – this will improve your credit-to-debt ratio and thus your overall credit score.

Check your business credit

Credit scoring for businesses is a bit different (and more complicated) than scoring for consumers. Personal FICO scores range from 300 to 850 while business credit scores use different scales. There are three primary business credit score bureaus and they all structure their ratings differently.

You can find your business credit score by visiting the Dun & Bradstreet, Equifax and Experian websites. Each bureau offers different features.

Checking your business credit with each bureau

Credit Bureau Credit score range Notable features Price
Dun & Bradstreet 1 to 100
  • D&B PAYDEX Score®
  • Financial Stress Score
  • Delinquency Predictor Score
$149 monthly for full access; $0 for limited access
Equifax 101 to 992
  • Your business credit score or that of another tracked business
  • Payment trend and payment index: compares selected business to others in the same industry
  • Equifax Busines Credit Risk Score™ and Equifax Business Failure Score™
$99.99 for a one-time pull or 5 for $399.95
Experian 1 to 100
  • Business credit report and background information
  • Identity protection alerts
  • Intelliscore Plus℠ and Financial Stability Risk
$39.95 for a one-time pull, or $179 for a year of access

Can you get a business credit card with fair or bad credit?

Though most business credit cards require good to excellent credit, there are a few business cards available for people with fair credit. These cards usually lack the hefty sign-up bonuses and travel perks of other business cards, but they can be useful as stepping stones to better credit and more lucrative business rewards cards down the line.

Currently, one of the easiest business credit cards to get is the Capital One® Spark® Classic for Business, a flat-rate cash back card offering 1% cash back on every purchase. While the card has its shortcomings, including a variable APR of 26.99%, which is much higher than that of the average business card, it comes with a number of useful business perks.

You may also consider paying for business expenses with a consumer card designed for people with fair credit or bad credit.

If you’d rather avoid a personal guarantee, one option is the Brex Corporate Card for Startups. Not only is no personal guarantee required to be approved for the card, you don’t even need to go through a personal credit check. Instead, you supply your EIN and link your corporate bank account to the card as a security deposit (you’ll need at least $100,000 in your corporate account to qualify for the card). Brex then sets credit limits dynamically based on the amount of capital you’ve raised, equity in your company and your company’s spending patterns.


CreditCards.com Poll: Over one-third of small businesses relying on personal funds during the COVID-19 pandemic

Our July 2020 Small Business Poll uncovered a worrisome fact – 35% of American small-business decision-makers have tapped into personal funds to finance their businesses since the Coronavirus pandemic struck. That includes those who have dipped into a personal savings account (21%), used a personal credit card (24%) or both (10%).

“It’s commendable how far these dedicated business owners are willing to go in search of their dreams,” says Ted Rossman, industry analyst at CreditCards.com. “I worry, however, about the debt they’re taking on, and how they’re potentially putting their personal finances at risk.”

Also notably, 38% of business leaders have turned to either business or personal credit cards during this time, with 20% of those polled leaning on business cards.

Paying off credit card debt can be stressful, but there’s a way to do so efficiently. Negotiating interest rates and paying more than the minimum are two ways to reduce the total time and amount of money repaid. “Many of the normal debt reduction tools are in shorter supply these days — for instance, 0% balance transfer offers have dried up due to worries about the economy. That’s why it’s so important to be creative and ask for a break,” Rossman added. Another good strategy: If you have multiple cards with balances and are able to put some money toward your debt, prioritize the highest interest rates in order to reduce the total interest expense.

Meanwhile, the single most popular form of funding was Paycheck Protection Program loans from the Small Business Administration, used by 30% of small businesses.

Small business funding sources amidst the COVID-19 pandemic

  • PPP loan(s)
  • 29.6%
  • Personal credit card(s)
  • 24.4%
  • Business savings account(s)
  • 24.4%
  • Personal savings account(s)
  • 20.7%
  • Business credit card(s)
  • 20.1%
  • Other types of loan(s)
  • 29.6%

Unfortunately, the negative effects of the pandemic are ongoing for many small-business owners, many of whom see trouble on the horizon. The majority of small-business leaders (53%) agree that they will need either an increase in sales or some type of assistance just to stay in business this year.

To stay afloat until 2021, small business decision-makers say they will need:

  • An increase in sales (32%)
  • Government assistance, such as stimulus funding (19%)
  • Any type of loan (13%)

“I’m encouraged by the spirit behind these findings. Even in an incredibly difficult year, small businesses remain resilient and optimistic – they’re taking matters into their own hands. They’re important parts of our communities and our economy, and we’re rooting for them,” says Rossman.

Methodology

CreditCards.com commissioned YouGov Plc to conduct the survey. All figures, unless otherwise stated, are from YouGov Plc. The total sample size was 499 small-business decision-makers. Fieldwork was undertaken from July 14-20, 2020. The survey was carried out online and meets rigorous quality standards. It employed a non-probability-based sample using both quotas upfront during collection and then a weighting scheme on the back end designed and proven to provide nationally representative results.


More in-depth reviews

Our business credit card reviews can help you compare offers to find the one that best suits your needs.


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