If you’re starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes it can be difficult and confusing to apply for an enterprise credit card. Here are a few points you should be aware of about the process of obtaining credit card.
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Brex 30
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 startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups establish their credit histories. The applicants don’t have to pay interest and don’t have to provide a personal guarantee. Instead, applicants are evaluated on their financial model and spending habits.
Credit limits of up to 100 percent are permissible for applicants. The limit is by the amount of money in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management tool. The card offers a variety of benefits, including a standard 1.5 percent cashback rate on all purchases. There are no annual charges, and the card does not have other requirements except for an excellent credit score.
If you are a new business benefiting from a business credit card that is low-interest could be very appealing. You may also consider a business credit card with additional protection.
One of the key benefits of a business low-interest credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll be able to pay off every 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 provides a wide range of benefits, such as the highest sign-up bonus, purchase protection, and travel benefits. However, it has a few drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR promotions to be found, and the spending limit may be too low for your company. It’s also not the best points-earning program.
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On the other side 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 protection. If you’re a small company owner, you’ll certainly benefit from these benefits.
Moreover it is worth noting that the Ink Business Preferred Card is an excellent way to earn points. If you make purchases in certain categories, you can earn 3 points for every dollar you spend. For instance, if charge $500 in purchases to your credit card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divvy
If you’re a start-up business owner looking for a credit card for business, you may want to look into Divvy. This card comes with a wide range of advantages and features. You can also monitor your business expenses with this card.
Divvy can be used with accounting software that allows users to easily monitor the financial expenses. You can create a budget, set limits, and request funds. Divvy also allows you to set an expense limit for your employees.
Divvy also has a corporate card. These cards assess your business’ finances and help you decide on how much you should spend each month. As opposed to traditional business credit card, Divvy doesn’t require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the best rates of interest for business loans and offer valuable rewards. For instance the Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash. Some cards offer rewards for travel and shopping while others can be used to improve your credit score.
In addition to the top business credit cards offered by Chase but there are many other credit card issuers that you can turn to. You should also consider the method of use for the credit card. It is important to find the best business credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. The card gives you solid rewards on a variety of purchase categories and also covers employees’ cell phone bills.