For those that are starting a business, one of the most important questions they’ll need 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 confusing and overwhelming. Here are some things you need to know about the process of applying for a credit card.
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Brex provides a broad range of financial services, such as corporate credit cards, spend management, and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build their credit score. The applicants don’t have to pay interest or have to provide a personal guarantee. Rather, applicants are evaluated by the business model of the company and spending patterns.
Users can get 100 percent credit limit. The limit is determined by the amount of money customers have in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
With a Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you’ll earn four points on trips booked through Brex Travel. You can also 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 comes with a variety of benefits, including a flat 1.5% cash back rate on all purchases. There are no annual fees, and the card doesn’t require other requirements aside from having a credit score of at least.
For a business that is just beginning it is possible to reap the benefits of a business credit card that is low-interest can be extremely appealing. It is also possible to look into a credit card for business that offers additional protection.
A business credit card with a low-interest rate are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll have to pay 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 well-known business credit cards for new businesses. It comes with a variety of advantages, including a large sign up bonus and purchase protection as well as travel benefits. It has some downsides.
The Ink Business Preferred Card may not be perfect. There aren’t any initial APR offers and the spending limit may not be appropriate for your company. Moreover, it’s not the most generous points-earning feature.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance as well as primary coverage for car rental as well as a shopping security. These benefits are ideal for small-scale business owners.
Additionally to that, the Ink Business Preferred Card is an excellent method to earn points. When you spend money in certain categories, you’ll earn 3 points for every dollar you spend. In this instance the case of spending $500 on purchases made with your card in the first three months, you will receive a 100,000-point welcome bonus.
The Divvy card is a great choice for startup business owners looking for business cards. This card offers a variety of benefits and features. It also lets you monitor your business expenses.
Divvy works with external accounting software and enables users to view their financial expenses. The software allows you to create a budget, limit spending and request money. You can also set the spending limit for your employees.
Divvy also offers a corporate credit card. These cards evaluate your business finances and allow you to decide how much money you’ll need to spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards provide the chance to secure best rates of interest on business loans. They can also provide valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash back. Certain cards provide rewards for shopping and travel while others can be used to boost your credit score.
There are many credit card issuers you could pick from, including Chase. However, you should consider how you will use a particular credit card. It is essential to locate an enterprise credit card that will meet your specific requirements.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card provides solid rewards on various purchase categories, and it even covers employees’ cell phone bills.