If you’re starting the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of getting a business credit card can be daunting and confusing. Here are some tips to learn about getting the credit card you need.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups, is an account that helps entrepreneurs build credit histories. Applicants don’t pay interest or have to provide personal guarantees. Instead applicants are evaluated based on their business model and spending habits.
Applicants can have up to 100 percent credit. This limit is determined based on the amount of money in the 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 valuable rewards on purchases. For example, you can get four points on travel 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 complete small business credit card and spending management tool. The card offers a variety of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual fees and the card doesn’t have other requirements, aside from having a high credit score.
For a startup business it is possible to reap the benefits of the low-interest business credit cards could be very appealing. You might also consider a business credit card with additional protection.
One of the most important features of a low-interest business credit card is that you don’t need to fret about juggling several cards or worrying about the amount you can afford to pay off each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for startups. It provides a wide range of benefits, including the highest sign-up bonus, purchase security, and travel perks. However, it does have a few drawbacks.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions and the spending limit might not be suitable for your company. It’s not the most efficient points-earning strategy.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance and primary car rental coverage and a shopping insurance. As a small-scale business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another great method to earn points. Spend in certain categories and earn 3 points for every dollar. For example, if you make a purchase of $500 to your card during the first three months, you’ll get a welcome bonus of 100,000 points.
Divide
If you’re a startup business owner looking for an account for business credit you might want look into Divvy. This type of card offers various advantages and features. You can also keep track of your business expenses using this card.
Divvy works with external accounting software that allows users to quickly view the financial expenses. The program allows you to create a budget, restrict spending, and request funds. You can also set an amount of money you can spend for your employees.
Divvy also offers corporate cards. The cards analyze your company’s financial situation and decide on how much you can spend every month. Unlike traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the highest rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash or cash back. Certain cards provide rewards for shopping and traveling and some can be used to increase your business’s credit.
There are many credit card issuers you can choose from, such as Chase. However, you should consider how you will utilize a specific credit card. It is important to find the best business credit card that is suitable for your particular needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card an excellent option. This card offers solid rewards on various purchase categories and even covers employees’ cell phone bills.