For those who are just beginning a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” While there is a yes answer but it can be difficult and confusing to apply for an enterprise credit card. Here are some things you need to know about the process of applying for credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards and spend management as well as expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an account that helps startups build their credit history. The cardholders don’t have to pay any interest or provide an individual guarantee. Instead, applicants are evaluated by company business model and spending patterns.
Credit limits up to 100 percent are permitted for applicants. This limit is determined by the amount of cash in a customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points to book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card and spend management system. The card provides a range of benefits, including a simple 1.5 percent cashback rate on all purchases. The card doesn’t have annual fees and doesn’t have any other requirements other than an excellent credit score.
For a business that is just beginning one of the advantages of using a low-interest business credit card could be very appealing. A business credit card that comes with additional security could be a viable option.
One of the most important advantages of a low-interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about how much you can afford to pay each month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards designed for start-up companies. It comes with a range of advantages, including the highest sign-up bonus, purchase protection, and travel perks. It has some downsides.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any promotional APR promotions to be found and the spending cap may be too low for your company. It’s also not the best points-earning strategy.
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On the other side the Ink Business Preferred Card offers many other beneficial features, including liability coverage as well as primary coverage for car rental and a shopping protection. As a small business owner, you’ll definitely enjoy these benefits.
The Ink Business Preferred Card is another great method to earn points. If you make purchases in certain categories, you can earn 3 points for every dollar you spend. In this case for example, if you spend $500 on purchases with your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy
The Divvy is a great option for business owners who are just starting out looking for business cards. This type of card offers many advantages and features. It also allows you to track your business expenses.
Divvy can be integrated with any external accounting software to allow users to look at their financial expenses. The software lets you make a budget, limit spending and request money. Additionally, Divvy lets you set an expense limit for your employees.
Divvy also offers a corporate card. The cards analyze your company’s finances and decide how much you’ll have to spend every month. In contrast to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest rates of interest for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash back. Some cards offer rewards for shopping and traveling as well as other cards that can be used to improve your company’s credit score.
In addition to the top business credit cards from Chase and other credit card issuers you can choose from. You should also consider how you will use the credit card. It is important to select an enterprise credit card that is suitable for your particular needs.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent option. This card offers solid rewards on a variety of purchase categories, and it even protects employees’ mobile phone bills.