For those that are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes however the process of applying for an enterprise credit card can be a bit overwhelming and confusing. Here are some things you need to be aware of before obtaining an credit card.
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Brex 30
Brex provides a range of financial services , including corporate credit cards, spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups establish their credit histories. It doesn’t charge interest and don’t have to offer a personal guarantee. Instead, applicants are evaluated based on their company’s business model and spending habits.
Credit limits as high as 100 percent are permitted 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 limit for spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also 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 provides a range of benefits, including a flat 1.5 percent cashback rate on all purchases. There are no annual fees, and the card doesn’t have any other requirements other than having a credit score of at least.
For businesses that are just starting out benefiting from a business credit card that is low-interest can be extremely appealing. A business credit line with added security may be a viable option.
One of the most important advantages of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about the amount you can afford to pay each 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 advantages, including a high sign-up bonus, purchase protection, and travel benefits. It does have some drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any initial APR offers and the spending limit may not be appropriate for your company. Furthermore, it’s not the most generous point-earning system.
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On the other hand it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. These perks are great for small-scale business owners.
The Ink Business Preferred Card is another excellent method to earn points. Spend in certain categories and earn 3 points for every dollar. In this instance, if you spend $500 on purchases with your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divide
Divvy is an excellent choice for startup business owners seeking business cards. This type of card offers a range of advantages and features. It also allows you to track your business expenses.
Divvy can be used with accounting software, allowing users to easily view the financial expenses. You can create budget, set limits, and request money. Additionally, Divvy lets you to set a spending limit for your employees.
Divvy also offers corporate cards. These cards review your company’ finances and help you determine how much you should spend each month. Contrary to traditional business credit cards, Divvy doesn’t require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the highest rates of interest on business loans and provide valuable rewards. For instance a Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for purchases and travel and others are able to help build your credit score.
There are numerous credit card issuers you can select from, including Chase. However, you must think about the manner in which you make use of a specific credit card. It is crucial to choose a business credit card that will meet your specific needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card a great option. This card offers solid rewards on various purchase categories and even covers employees’ cell phone bills.