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?” The answer is yes but the process of getting the business credit card could be overwhelming and confusing. Here are a few things you need to know about the process of getting an credit card.
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Brex 30
Brex provides a variety of financial services, including corporate credit cards and spend management as well as expense management software. Brex offers a comprehensive financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups build their credit score. It doesn’t charge interest or provide a personal guarantee. Instead, applicants are assessed by the business model of the company and spending habits.
Credit limits of up to 100 percent are allowed for applicants. The limit is based on the amount of cash in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points for booking travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a budget management tool. The card provides a range of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual charges, and the card doesn’t have any other requirements other than a good credit score.
If you are a new business, the benefits of using a low-interest business credit card could be very appealing. A business credit card that comes with additional protection may be a viable option.
A business credit card with a low-interest rate are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about the amount of you can manage each month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up companies. It has many benefits, including a substantial sign-up bonus and purchase protection and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any APR introductory promotions available, and the spending cap may be too low for your business. It’s not the most efficient points-earning feature.
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The Ink Business Preferred Card, on the other hand, offers many other useful features such as liability coverage and primary coverage for car rentals, shopping protection, and primary coverage for car rentals. As a small-scale business owner, you’ll definitely enjoy these benefits.
Additionally that, the Ink Business Preferred Card is a great way to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. In this case for example, if you spend $500 on purchases made with your card in the first three months, you will get a 100,000 point welcome bonus.
Divide
If you’re a startup business owner looking for an enterprise credit card, you may want to look into Divvy. This type of card offers a range of advantages and features. You can also monitor your business expenses with this card.
Divvy can be used with any accounting software that allows users to see their financial expenses. You can then create a budget, set limits on spending and request money. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards look at your company’s financial situation and decide on how much you should spend each month. Unlike traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important 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 secure the best rates of interest on business loans and offer valuable rewards. For instance a Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Certain cards provide rewards for shopping and traveling and others can be used to boost your credit score.
Aside from the best business credit cards offered by Chase, there are other credit card issuers you can choose from. However, you must think about the way you intend to make use of a specific credit card. It is important to find the best business credit card that will meet your needs.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. This card is a great way to earn rewards for various categories of purchases, and it even will pay for employees’ cell phone bills.