If you’re thinking about starting your own business, the most important question to ask is “Can I get my business credit card?” While the answer is yes but it can be challenging and overwhelming to apply for an enterprise credit card. Here are some points you should be aware of about the process of applying for credit card.
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Brex 30
Brex provides a range of financial products, including corporate credit cards spending management, as well as expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups establish their credit history. It doesn’t charge interest and don’t need to provide an individual guarantee. Instead, applicants are evaluated on their company’s business model and their spending habits.
Credit limits of up to 100 percent are available to applicants. The limit is determined by the amount of money customers have in their 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 valuable rewards on purchases. For instance, you’ll earn four points on travel booked through Brex Travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a budget management tool. It comes with a myriad of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and doesn’t require any other qualifications other than having a credit score of at least.
A business credit card with a low-interest rate is a great choice for businesses that are just starting out. You might also look into a business credit card with additional protection.
One of the primary advantages of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you can afford to pay off every month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up businesses. It offers many benefits, including a substantial initial bonus, purchase protection, as well as travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any promotional APR promotions to be found and the spending cap could be too low for your business. It’s also not the most effective point-earning option.
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The Ink Business Preferred Card, however, offers many other useful features, such as liability coverage, primary car rental coverage shopping protection, as well as primary car rental coverage. If you’re a small-sized business owner, you’ll surely benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in certain categories, you can earn 3 points per dollar you spend. In this instance, if you spend $500 on purchases on your card in the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divide
Divvy is a good option for startup business owners looking for a business card. This card comes with a wide range of advantages and features. It also lets you keep track of your business expenses.
Divvy can be used with any external accounting software that allows users to view their financial expenses. The software lets you make a budget, limit spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. The cards analyze your company’s financial situation and decide on how much you’ll have to 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. Therefore, it is important to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the best interest rates on business loans. They are also able to provide useful rewards. For instance the Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash back. Some cards offer rewards for travel and shopping and some can be used to help improve your company’s credit score.
Aside from the best business credit cards offered by Chase but there are many other credit card issuers you can turn to. You must also think about the way you intend to use the credit card. It is important that you select the correct business credit card for your requirements.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card a great option. This card provides solid rewards on different categories of purchases and also will pay for employees’ cell phone bills.