If you’re thinking about starting your own business, the first important question you should ask yourself is “Can I get my business credit card?” Although the answer is yes it can be difficult and confusing to apply for a business credit card. Here are a few points you should be aware of about the process of applying for credit card.
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Brex offers a variety of financial services like corporate credit cards along with spend management and expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build their credit history. Applicants don’t pay interest or require a personal guarantee. Instead applicants are evaluated on their company’s financial model and spending habits.
Users can get 100 percent credit limit. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use a Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management solution. It comes with a myriad of benefits including a flat 1.5% cash back rate on all purchases. The card does not have annual fees and does not have any other qualifications other than a good credit rating.
If you are a new business, the benefits of using a low-interest business credit card can be extremely appealing. A business credit card that offers additional protection may be a good option.
Business credit cards with low interest are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you’ll have to pay each month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards for startups. It provides a wide range of benefits, like the highest sign-up bonus, purchase security, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions to be found, and the spending cap could be too low for your business. It’s also not the best points-earning strategy.
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The Ink Business Preferred Card, however provides a range of useful features like liability insurance and primary car rental coverage shopping protection, as well as primary coverage for rental cars. As a small-scale company owner, you’ll certainly enjoy these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and you’ll earn three points per dollar. In this case for example, if you spend $500 on purchases with your card in the first three months, you will receive a 100,000 point welcome bonus.
If you’re a startup business owner looking for a credit card for business you might want to consider Divvy. This type of card comes with many benefits and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software, and allows users to easily view financial expenses. You can then create budgets, set limits on spending and request money. Divvy also allows you to set a spending limit for your employees.
Divvy also offers a corporate card. The cards analyze your company’s financial situation and decide on how much you can spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to find out the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure best interest rates on business loans. They are also able to provide useful rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash or cash back. Some cards offer rewards for shopping and traveling and some can be used to improve your company’s credit score.
There are a variety of credit card issuers that you can choose from, including Chase. But, you must consider the ways you will make use of a specific credit card. It is essential to locate a business credit card that meets your particular needs.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card provides solid rewards on various purchase categories and also will pay for employees’ cell phone bills.