For those who are just beginning a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes however, the process of obtaining the business credit card could be a bit overwhelming and confusing. Here are some tips to be aware of when applying for an 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 known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. It doesn’t charge interest or have to provide personal guarantees. Instead, applicants are evaluated by the company’s business model and spending patterns.
Customers can get up to 100 percent credit. The limit is by the amount of money in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its limit for spending.
You can earn rewards by using a Brex Corporate credit card. For instance, you can get 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 a small business credit card that can also be used as an expense management tool. The card offers a slew of benefits including a standard 1.5 percent cash back rate on all purchases. The card doesn’t have annual fees and doesn’t require any other requirements than having a high credit score.
A business credit card with a low-interest rate is a great option for startups. You might also look into a business credit card that offers additional protection.
One of the most important benefits of a business low-interest credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll be able to pay every month. This is especially true if you’re looking to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It provides many benefits, including a substantial initial bonus and purchase protection along with travel perks. However, it also has several drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR promotions to be found, and the spending limit may be too low for your company. It’s also not the most effective points-earning feature.
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The Ink Business Preferred Card, however provides a range of useful features like liability insurance and primary coverage for car rentals shopping protection, and primary coverage for car rentals. If you’re a small company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another great method to earn points. When you spend in specific categories, you’ll earn 3 points per dollar you spend. For instance, if charge $500 in purchases to your credit card within the first three months, then you’ll be rewarded with an initial bonus of 100,000 points.
The Divvy card is a great choice for business owners in the beginning looking for a business card. This card has a variety of benefits and features. You can also track your business expenses with this card.
Divvy can be integrated with any external accounting software that allows users to see their financial expenses. The software allows you to set a budget, limit spending, and request funds. Divvy also allows you to set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards analyze your business financial situation and help you decide what amount of money 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. Therefore, it is important to know the rate of the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash or cash back. Some cards offer rewards for shopping and travel and some can be used to increase your business’s credit.
There are numerous credit card issuers you could choose from, such as Chase. But, you must consider the ways you will utilize a specific credit card. It is essential to locate an enterprise credit card that is suitable for your particular needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card is a great way to earn rewards for various categories of purchases as well as covers cell phone bills.