If you are thinking of creating your own business, the most important question to ask is “Can I get my business credit card?” The answer is a resounding yes however the process of getting an enterprise credit card can be confusing and overwhelming. Here are some things you should know about the process of getting the credit card.
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Brex provides a range of financial products, including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution to startups.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build credit histories. The applicants don’t have to pay interest or have to provide personal guarantees. Instead, applicants are evaluated by company business model and spending habits.
Credit limits of up to 100 percent are available to applicants. This 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.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spend management system. The card comes with a variety of benefits, including a flat 1.5 percent cash-back rate on all purchases. There are no annual fees and the card doesn’t require other requirements other than an excellent credit score.
A business credit card with low interest is a great choice for those who are just starting out. You may also think about a business credit card which offers additional security.
One of the main advantages of a low interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll have to pay every month. This is particularly true if 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 businesses. It comes with a range of benefits, such as a high sign-up bonus, purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions to be found and the spending cap may be too low for your business. Furthermore, it’s not the most generous points-earning feature.
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On the other hand it is worth noting that the Ink Business Preferred Card offers numerous other useful features, such as liability insurance as well as primary coverage for car rental, and a shopping protection. As a small-scale business owner, you’ll definitely enjoy these benefits.
Furthermore that, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. In this example for example, if you spend $500 on purchases to your card within the first three months, you will receive a 100,000 point welcome bonus.
If you’re a business owner in search of a credit card for business you might want to look into Divvy. This card offers a variety of advantages and features. You can also track your business expenses with this card.
Divvy is compatible with external accounting software, allowing users to quickly view the financial expenses. You can create a budget, set limits, and request funds. You can also set the spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business’s finances and determine how much you can spend each month. Contrary to traditional business credit cards, Divvy is not a requirement for an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s essential to understand the company’s rate prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most favorable rates of interest for business loans and provide valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash back. Some cards offer rewards for shopping and traveling while others can be used to increase your business’s credit.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers that you can choose from. However, you must think about the manner in which you make use of a specific credit card. It is vital to choose the appropriate business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. The card is a good option for earning rewards across a variety of categories and even will pay for employees’ mobile phone expenses.