If you’re starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of applying for a business credit card can be overwhelming and confusing. Here are a few things you should know about the process of getting 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 offers a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish their credit history. The applicants don’t have to pay interest or offer personal guarantees. Rather, applicants are evaluated by company business model and spending patterns.
Applicants can have up to 100 percent credit. 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 example, you can earn four points on trips booked through Brex Travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management system. The card offers a slew of benefits including a flat 1.5 percent cash-back rate on all purchases. The card has no annual fees and doesn’t have any other qualifications other than having a high credit score.
A low-interest business credit card is a great option for those who are just starting out. You might also look into a credit card for business with additional protection.
A low-interest business credit card are extremely convenient since you don’t have to worry of managing multiple cards or worrying about the amount of money you can afford each month. This is particularly applicable if you’re planning to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards available to start-up companies. It offers a range of benefits, including the highest sign-up bonus, purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions and the spending limit may not be appropriate for your company. It’s also not the most effective points-earning feature.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, including liability coverage and primary coverage for car rentals shopping protection, and primary coverage for car rental. As a small business owner, you’ll surely benefit from these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and earn three points per dollar. For instance, if you charge $500 on purchases to your credit card within the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
Divide
If you’re a new business owner looking for a credit card for business you might want to look into Divvy. This type of card offers a range of benefits and features. It also allows you to track your business expenses.
Divvy is compatible with external accounting software and enables users to easily view financial expenses. You can then create a budget, set limits, and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also has corporate cards. These cards review your company finances and allow you to determine how much you should spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure most competitive rates of interest on business loans. They also offer rewards. For example, a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Some cards offer rewards for purchases and travel, while others can be used to build your credit score.
There are a myriad of credit card issuers you could choose from, such as Chase. However, you must think about the way you intend to utilize a specific credit card. It is important to select an enterprise credit card that meets your specific needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card a fantastic option. The card is a good option for earning rewards for various categories of purchases and even will pay for employees’ mobile phone bills.