If you are thinking of creating a business, the most important thing to consider is “Can I get my business credit card?” The answer is a resounding yes, but the process of applying for an official business credit card can be confusing and overwhelming. Here are some tips to be aware of before obtaining credit card.
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Brex provides a range of financial services like corporate credit cards as well as spend management and expense management software. Brex offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit score. The cardholders don’t have to pay any interest or provide an individual guarantee. Instead, applicants are assessed by the company’s business model and spending habits.
The applicants can enjoy up to 100 percent credit limit. This limit is determined based on the amount of cash 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 substantial rewards on purchases. Brex Travel offers four points when you book travel. You can also receive three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a budget management tool. The card comes with a variety of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card is free of annual fees and doesn’t have any other qualifications other than an excellent credit score.
For a business that is just beginning benefiting from a business credit card with low interest are a great deal. A business credit line with additional security could be a viable option.
One of the key advantages of a low interest business credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll be able to pay off each month. This is especially important if you’re trying to finance major expenditures.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards available to start-up companies. It offers many benefits, including a substantial reward for signing up along with purchase protection, as well as travel perks. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any APR introductory promotions to be found and the spending limit 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, on the other hand it offers a number of additional useful features, such as liability coverage, primary car rental coverage shopping protection, as well as primary coverage for car rental. As a small business owner, you’ll surely benefit from these benefits.
Moreover that, the Ink Business Preferred Card is a great opportunity to earn points. Spend in certain categories and you’ll earn three points per dollar. For instance, if you charge $500 in purchases to your credit card during the first three months, you’ll be eligible for an initial bonus of 100,000 points.
If you’re a start-up business owner looking for an account for business credit you might want think about Divvy. The card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy is compatible with external accounting software, and allows users to easily view financial expenses. You can create budget, set limits, and request funds. You can also set an expense limit for your employees.
Divvy also offers a corporate card. These cards review your company finances and assist you to determine how much you’ll need to invest every month. Contrary to traditional business credit cards, Divvy doesn’t require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure the best rates of interest for business loans. They also offer rewards. For example, a Chase Ultimate Rewards business credit card provides bonus points which could be converted to cash back. Some cards offer rewards for shopping and travel while others can be used to improve your credit score.
There are a variety of credit card issuers to choose from, such as Chase. You should also consider how you will use the credit card. It is important that you choose the appropriate business credit card to meet your needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card an excellent choice. The card gives you solid rewards on various purchase categories as well as covers employees’ cell phone bills.