For those who are just beginning a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes, it can be challenging and overwhelming to apply for a business credit card. Here are some tips to be aware of before obtaining a credit card.
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Brex 30
Brex provides a range of financial services like corporate credit cards as well as spend management and expense management software. Brex offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups establish their credit histories. It doesn’t charge interest and don’t need to offer personal guarantees. Instead, applicants are rated by company business model and spending habits.
Credit limits of up 100 percent are permitted for applicants. The limit is based on the amount of cash in the 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 rewards on purchases. Brex Travel offers four points to book travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card as well as a spending management solution. The card provides a range of advantages, including a fixed 1.5 percent cashback on all purchases. The card has no annual fees and doesn’t have any other conditions other than a good credit rating.
A business credit card with low interest is a great option for businesses that are just starting out. A business credit card that offers added security may be a good option.
A low-interest business credit cards are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about how much money you’ll have to pay each month. This is especially true if you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It offers a range of advantages, including an excellent sign-up bonus purchase security, and travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There are no introductory APR offers and the spending limit may not be appropriate for your company. Moreover, it’s not the most generous points-earning feature.
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On the other side however, the Ink Business Preferred Card offers numerous other useful features, including liability coverage, primary car rental coverage and a shopping insurance. If you’re a small-sized business owner, you’ll surely benefit from these perks.
Additionally it is worth noting that the Ink Business Preferred Card is an excellent opportunity to earn points. If you make purchases in certain categories, you’ll earn three points per dollar you spend. For example, if you charge $500 in purchases to your card in the first three months, then you’ll be rewarded with an initial bonus of 100,000 points.
Divvy
If you’re a business owner looking for an account for business credit you might want to consider Divvy. This type of card offers various benefits and features. It also allows you to track your business expenses.
Divvy is compatible with external accounting software and enables users to easily monitor the financial expenses. The software lets you make a budget, limit spending, and request funds. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card. The cards analyze your company’s finances and decide how much you should spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is essential to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the best interest rates for business loans, and also provide valuable rewards. For instance the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Some cards offer rewards for shopping and travelling, and others can be used to help to build credit for your business.
There are a variety of credit card issuers to choose from, including Chase. However, you should think about the way you intend to use a particular credit card. It is crucial to find the right corporate credit card for your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card offers solid rewards for various categories of purchases and even covers employees’ mobile phone costs.
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