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 yes but the process of obtaining the business credit card could be overwhelming and confusing. Here are some tips to learn about getting the credit card you need.
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Brex 30
Brex offers a variety of financial services , including corporate credit cards spending management, as well as expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups build their credit history. Applicants don’t pay interest or need to provide a personal guarantee. Instead the applicants are evaluated based on their budget and business model.
Credit limits up to 100 percent are permitted for applicants. The limit is determined by the amount of cash in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards with a Brex Corporate credit card. For instance, you’ll get 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 be used as a spend management tool. The card offers a variety of benefits, including a flat 1.5 percent cashback on all purchases. The card is free of annual fees and doesn’t require any other qualifications other than having a credit score of at least.
For a business that is just beginning it is possible to reap the benefits of the low-interest business credit cards are a great deal. It is also possible to consider a business credit card that offers additional protection.
Business credit cards with low interest are very convenient because you don’t have to worry of managing multiple cards or worrying about how much money you’ll have to pay each month. This is especially true if 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 companies. It comes with a variety of benefits, including a substantial reward for signing up and purchase protection along with travel perks. It has some downsides.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR promos and the spending limit might not be suitable for your company. It’s not the most efficient points-earning feature.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage as well as primary coverage for car rental and a shopping protection. If you’re a small business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. Spend in specific categories and you’ll earn three points per dollar. For example, if you charge $500 in purchases to your card during the first three months, you’ll get an offer of 100,000 points.
Divide
The Divvy card is a great choice for startup business owners looking for an enterprise card. This type of card offers many advantages and features. It also allows you to track your business expenses.
The Divvy app can be used with any accounting software to allow users to look at their financial expenses. You can create budgets, set limits on spending and request money. Additionally, Divvy lets you to set a spending limit for your employees.
Divvy also has corporate cards. These cards assess your company’s finances and decide how much you’ll need to spend every month. Unlike traditional business credit cards, Divvy does not require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the best interest rates on business loans, and they can also offer valuable rewards. For example a Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Some cards offer rewards for shopping and travel, while others are able to help build your credit score.
Aside from the best business credit cards from Chase but there are many other credit card issuers you can turn to. It is important to consider the method of use for the credit card. It is essential to choose the appropriate business credit card that meets your needs.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent option. This card offers solid rewards for a variety of purchase categories and even covers employees’ mobile phone bills.