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?” Although there is a yes answer it can be a bit confusing and overwhelming to apply for a business credit card. Here are some things you need to know about the process of applying for a credit card.
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Brex offers a variety of financial products, including corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for new businesses.
The Brex Card, or Brex for Startups, is an account that helps startups establish their credit history. Applicants don’t pay interest and don’t need to offer personal guarantees. Instead applicants are evaluated on their financial model and spending habits.
Applicants can have up to 100 percent credit limit. 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.
You can earn rewards when you use a Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management solution. The card provides a range of benefits, including a flat 1.5% cashback rate on all purchases. The card doesn’t have annual fees and doesn’t require any other requirements other than a good credit rating.
A low-interest business credit card is a great option for new businesses. A business credit card that comes with added security may be a viable option.
Business credit cards with low interest are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you can afford each month. This is especially important if you’re trying to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for startup businesses. It provides many advantages, including a large initial bonus, purchase protection, and travel perks. However, it has a few drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any introductory APR promotions and the spending limit may not be appropriate for your business. This isn’t the most efficient point-earning option.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features, such as liability coverage primary car rental coverage shopping protection, and primary car rental coverage. If you’re a small business owner, you’ll definitely enjoy 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 example when you spend $500 on purchases on your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy is a good option for startup business owners seeking an enterprise card. This kind of card comes with numerous advantages and features. You can also track your business expenses with this card.
Divvy works with external accounting software that allows users to easily view financial expenses. The software lets you set a budget, limit spending and even request money. Additionally, Divvy lets you to set a spending limit for your employees.
Divvy also offers corporate cards. These cards assess your company’s finances and decide how much you’ll have to spend every month. In contrast to traditional business credit cards, Divvy is not a requirement for an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure highest interest rates for business loans, and they can also offer useful rewards. For example one card, the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Certain cards provide rewards for shopping and travelling as well as other cards that can be used to to build credit for your business.
There are many credit card issuers you can pick from, including Chase. However, you must think about the ways you will use a particular credit card. It is vital to choose the appropriate business credit card to meet your requirements.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. The card provides solid rewards for various categories of purchases and even protects employees’ mobile phone expenses.