For those who are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes however the process of getting a business credit card can be a bit overwhelming and confusing. Here are some tips to learn about getting a credit card.
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Brex offers a wide range of financial services, including corporate credit cards, spend management, and expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups build their credit score. The applicants don’t pay interest or have to provide personal guarantees. Instead the applicants are evaluated based on their financial model and spending habits.
Credit limits of up to 100 percent are permissible for applicants. The limit is determined based on the amount of money in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards by using a Brex Corporate credit card. For example, you can earn four points on travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management system. The card provides a range of benefits, including a standard 1.5 percent cashback on all purchases. There are no annual fees and the card does not have other requirements other than a good credit score.
A low-interest business credit line is a great option for new businesses. A business credit card that comes with added security may be a viable option.
Business credit cards with low interest are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you’ll have to pay each month. This is especially applicable if you’re planning to finance large 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 has many benefits, including a substantial sign-up bonus along with purchase protection, as well as travel benefits. However, it has a few drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR promotions and the spending limit might not be suitable for your business. Moreover, it’s not the most generous points-earning program.
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On the other side, the Ink Business Preferred Card offers a lot of other useful features, including liability coverage, primary car rental coverage, and a shopping protection. These perks are perfect for small-scale business owners.
Furthermore that, the Ink Business Preferred Card is a great way to earn points. When you spend money in certain categories, you can earn 3 points per dollar you spend. For instance, if add $500 worth of purchases to your card during the first three months, you’ll receive an offer of 100,000 points.
If you’re a startup business owner in search of a business credit card you might want look into Divvy. This card has a variety of benefits and features. It also lets you monitor your business expenses.
Divvy can be used alongside any other accounting software to allow users to look at their financial expenses. You can create a budget, set limits on spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business’s finances and decide how much you can 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. It is important to find out the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards are a way to secure the best rates of interest on business loans. They are also able to provide useful rewards. For example, a Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Some cards offer rewards for shopping and traveling as well as others that can be used to boost your credit score.
Apart from the top business credit cards from Chase but there are many other credit card issuers that are available to. You should also think about the way you intend to use the credit card. It is important that you find the right business credit card for your needs.
The Ink Business Preferred(r) Credit Card is a viable option for small-sized business owners. The card gives you solid rewards on different categories of purchases as well as protects employees’ mobile phone bills.