If you’re thinking of starting an enterprise, the most important question is “Can I get my business credit card?” The answer is a resounding yes, but the process of applying for the business credit card could be overwhelming and confusing. Here are some points you should be aware of about the process of applying for the credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards and spend management as well as expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is an account that helps startups establish credit histories. Applicants don’t pay interest or provide a personal guarantee. Instead, applicants are evaluated by the business model of the company and spending patterns.
Credit limits as high as 100 percent are permitted for applicants. The limit is determined based on the amount of cash in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine the limit of its spending.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you’ll earn four points on trips booked through Brex Travel. You can also get three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management solution. The card comes with a variety of benefits including a standard 1.5 percent cash back rate on all purchases. There are no annual fees, and the card does not have other requirements, aside from an excellent credit score.
A business credit card with a low-interest rate is a great option for new businesses. You may also think about a business credit card that provides additional security.
One of the most important features of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll be able to pay every 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 most well-known business credit cards for startups. It has many advantages, such as a huge sign-up bonus as well as purchase protection along with travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any initial APR promos and the spending limit might not be suitable for your company. This isn’t the most efficient points-earning strategy.
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The Ink Business Preferred Card, however, offers many other useful features, such as liability coverage and primary coverage for car rentals shopping protection, as well as primary coverage for car rental. These perks are perfect for small business owners.
Additionally to that, the Ink Business Preferred Card is an excellent way to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. In this example, if you spend $500 on purchases with your card in the first three months, you will receive a 100,000 point welcome bonus.
Divvy
If you’re a startup business owner in search of a credit card for business you might want to think about Divvy. This kind of card comes with numerous advantages and features. You can also keep track of your business expenses using this card.
Divvy can be integrated with any accounting software that allows users to view their financial expenses. You can then create budgets, set the maximum limits and request money. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards assess your company’s financial situation and decide on how much you should spend every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive interest rates for business loans. They also offer rewards. For instance one card, the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Certain cards provide rewards for shopping and travel while others can be used to to build credit for your business.
Aside from the best business credit cards offered by Chase but there are many other credit card issuers that you can use. You should also think about what you intend to do with the credit card. It is essential to locate an enterprise credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card is a great way to earn rewards on various purchase categories, and it even protects employees’ mobile phone bills.