If you are thinking of starting your own business, the most important question is “Can I get my business credit card?” While the answer is yes it can be a bit challenging and overwhelming to apply for a business credit card. Here are a few tips to be aware of the process of applying for credit card.
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Brex 30
Brex provides a variety of financial services, such as corporate credit cards and spend management as well as expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups establish credit histories. Applicants don’t pay interest or provide personal guarantees. Instead the applicants are evaluated based on their company’s financial model and spending habits.
Credit limits up to 100 percent are permissible for applicants. The limit is determined by the amount a customer has in their Brex Cash account. Every day, the Brex Card draws from the account to determine the limit of its spending.
You can earn valuable rewards when you use the Brex Corporate credit card. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spend management tool. The card provides a range of advantages, including a fixed 1.5 percent cashback on all purchases. There are no annual fees and the card does not have other requirements other than having a credit score of at least.
For a startup business benefiting from a business credit card that is low-interest are a great deal. A business credit card that comes with additional protection may be a viable option.
One of the most important advantages of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about how much you can afford to pay off each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up companies. It has many benefits, including a high sign-up bonus, purchase protection, along with travel perks. It has some downsides.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any initial APR promotions and the spending limit may not be appropriate for your business. It’s also not the most effective points-earning program.
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The Ink Business Preferred Card, on the other hand it offers a number of additional useful features such as liability coverage as well as primary car rental coverage shopping protection, and primary coverage for car rental. As a small-scale company owner, you’ll certainly benefit from these perks.
Moreover it is worth noting that the Ink Business Preferred Card is an excellent method to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if you charge $500 in purchases to your credit card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divide
Divvy is a good option for business owners in the beginning seeking a business card. This type of card comes with a range of benefits and features. You can also keep track of your business expenses by using this card.
Divvy integrates with other accounting software and enables users to view their the financial expenses. You can then create budgets, set the limits, and request money. It also lets you set the spending limit for your employees.
Divvy also offers corporate cards. The cards analyze your company’s financial situation and decide on how much you’ll need to spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards provide an opportunity to secure the best interest rates on business loans. They can also offer valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and traveling and some can be used to increase your business’s credit.
There are a variety of credit card issuers you could choose from, including Chase. However, you should consider the way you intend to make use of a particular credit card. It is essential to locate a business credit card that is suitable for your specific needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card an excellent option. This card gives you solid rewards for various categories of purchases and even covers mobile phone bills.