If you’re thinking about creating an enterprise, the most important question you should ask yourself is “Can I get my business credit card?” The answer is yes but the process of getting an enterprise credit card can be daunting and confusing. Here are some tips to know about how to get the credit card you need.
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Brex provides a range of financial services , including corporate credit cards along with spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups build their credit history. The applicants don’t pay interest or provide an individual guarantee. Instead, applicants are assessed by the business model of the company and spending habits.
Credit limits up to 100 percent are permissible for applicants. This limit is determined by the amount that a customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points to book travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spending management tool. The card comes with a host of benefits including a standard 1.5% cash back rate on all purchases. There are no annual charges, and the card does not have other requirements except for having a high credit score.
For a business that is just beginning one of the advantages of using a business credit card with low interest could be very appealing. A business credit line with added security may be an option.
One of the main advantages of a low-interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll be able to pay off each month. This is particularly applicable if you’re planning to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards that are designed for startups. It has many advantages, such as a huge reward for signing up, purchase protection, as well as travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions available, and the spending limit could be too low for your business. This isn’t the most efficient points-earning feature.
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On the other side it is worth noting that the Ink Business Preferred Card offers many other beneficial features, such as liability insurance and primary car rental coverage as well as a shopping security. These perks are great for small business owners.
The Ink Business Preferred Card is another great method to earn points. When you spend in certain categories, you can earn 3 points for every dollar you spend. For instance, if you charge $500 in purchases to your card in the first three months, you’ll receive an initial bonus of 100,000 points.
Divvy is a good option for entrepreneurs who are starting their business and looking for an enterprise card. This type of card offers many advantages and features. It also allows you to track your business expenses.
Divvy integrates with other accounting software and enables users to easily monitor financial expenses. The program allows you to make a budget, limit spending, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards evaluate your business finances and assist you to determine 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 crucial to know the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the most favorable interest rates on business loans, and they can also offer useful rewards. For instance the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash. Certain cards provide rewards for shopping and traveling as well as others that can be used to improve your credit score.
Apart from the top business credit cards offered by Chase, there are other credit card issuers that you can choose from. However, you should consider how you will utilize a specific credit card. It is crucial to find the right business credit card to meet your requirements.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card an excellent choice. The card provides solid rewards for various purchase categories and even will pay for employees’ mobile phone costs.