For those who are just beginning a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” While there is a yes answer it can be daunting and confusing to apply for an enterprise credit card. Here are a few things you should know about the process of obtaining the credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards and spend management as well as expense management software. Brex provides a complete financial solution for new businesses.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish credit histories. Applicants don’t pay interest and don’t need to provide a personal guarantee. Rather, applicants are evaluated by the company’s business model and spending habits.
Credit limits of up 100 percent are permitted for applicants. This limit is determined by the amount the customer has in their 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 valuable rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. You can also get three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management tool. The card comes with a host of benefits, including a flat 1.5% cash back rate on all purchases. There are no annual charges, and the card doesn’t require other requirements other than having a credit score of at least.
If you are a new business benefiting from a business credit card that is low-interest could be very appealing. You may also want to look into a credit card for business which offers additional security.
One of the key advantages of a low interest business credit card is that you don’t have to worry about managing multiple cards or worrying about the amount you can afford to pay each month. This is especially true if are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It offers a 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 are no introductory APR promotions to be found and the spending limit could be too low for your company. Moreover, it’s not the most generous point-earning system.
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On the other hand the Ink Business Preferred Card offers numerous other useful features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. As a small-scale business owner, you’ll surely benefit from these benefits.
Moreover that, the Ink Business Preferred Card is an excellent method to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. In this case, if you spend $500 on purchases made with your card within the first three months, you will receive a 100,000-point welcome bonus.
Divvy
If you’re a business owner in search of an account for business credit, you may want to consider Divvy. The card comes with a range of advantages and features. It also lets you track your business expenses.
The Divvy app can be used alongside any other accounting software to allow users to monitor their financial expenses. You can create a budget, set limits on spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has a corporate card. These cards review your company financial situation and help you decide how much money you’ll need to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the best interest rates for business loans and provide valuable rewards. For example the Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash. Some cards offer rewards for shopping and travelling while others can be used to help to build credit for your business.
Aside from the best business credit cards from Chase, there are other credit card issuers you can use. However, you should consider how you will utilize a specific credit card. It is essential to locate the best business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card is a great way to earn rewards on various purchase categories and even covers employees’ cell phone bills.