For those who are starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” Although there is a yes answer, it can be confusing and overwhelming to apply for an enterprise credit card. Here are some things to learn about getting a credit card.
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Brex provides a range of financial services including corporate credit cards, spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups build their credit score. The applicants don’t have to pay interest and don’t need to offer personal guarantees. Instead the applicants are evaluated on their company’s financial model and spending habits.
Credit limits of up to 100 percent are available to applicants. This 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.
You can earn rewards when you use the Brex Corporate credit card. Brex Travel offers four points when you book 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 be used as a budget management tool. The card offers a slew of benefits including a standard 1.5 percent cash back rate on all purchases. The card doesn’t have annual charges and doesn’t need any other requirements other than a good credit rating.
A low-interest business credit line is a great choice for businesses that are just starting out. You may also think about a business credit card that provides additional security.
One of the key features of a low-interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about how much you’ll be able to pay every 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 sought-after business credit cards for startups. It offers many benefits, including a high initial bonus along with purchase protection, as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR offers and the spending limit might not be suitable for your company. Moreover, it’s not the most generous points-earning feature.
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On the other side the Ink Business Preferred Card offers several other valuable features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These benefits are perfect for small business owners.
The Ink Business Preferred Card is another great way to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For instance, if you charge $500 on purchases to your card during the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
If you’re a start-up business owner looking for an account for business credit you might want consider Divvy. This card offers a variety of benefits and features. It also allows you to track your business expenses.
Divvy can be used with any external accounting software that allows users to view their financial expenses. You can then create budget, set limits, and request funds. Additionally, Divvy lets 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 determine how much you’ll need to spend every month. Unlike traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy does not disclose any interest rates on its website. It is important to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the best rates of interest on business loans, and they can also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card offers bonus points that can translate to cash back. Some cards offer rewards for shopping and travel as well as other cards that can be used to help to build credit for your business.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers you can choose from. You should also consider the method of use for the credit card. It is important to select a business credit card that suits your specific requirements.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card gives you solid rewards on a variety of purchase categories and also will pay for employees’ cell phone bills.