For those that are 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?” While there is a yes answer it can be difficult and confusing to apply for a business credit card. Here are some tips to be aware of before obtaining an credit card.
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Brex provides a range of financial services like corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups establish their credit histories. Applicants don’t pay interest and don’t need to offer a personal guarantee. Instead, applicants are evaluated on the basis of their business model and spending patterns.
Credit limits of up 100 percent are available to applicants. This 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 the limit of its spending.
With the Brex Corporate Credit Card you can earn significant 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 an all-in-one small business credit card as well as a spending management solution. The card comes with a variety of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card has no annual charges and doesn’t need any other requirements other than an excellent credit score.
For a business that is just beginning one of the advantages of using a low-interest business credit card could be very appealing. You may also consider a business credit card with additional protection.
A low-interest business credit cards are very convenient because you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you’ll be able to afford each month. This is particularly applicable if you’re planning to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for new companies. It comes with a variety of advantages, such as a huge sign-up bonus along with purchase protection, along with travel perks. However, it does have some drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR promotions available, and the spending limit may be too low for your business. It’s also not the most generous point-earning system.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, including liability coverage primary coverage for car rentals shopping protection, and primary coverage for car rentals. If you’re a small company owner, you’ll certainly benefit from these perks.
The Ink Business Preferred Card is another excellent way to earn points. When you spend money in certain categories, you can earn three points per dollar you spend. For example, if you charge $500 in purchases to your card in the first three months, you’ll get an initial bonus of 100,000 points.
The Divvy card is a great choice for business owners in the beginning seeking an enterprise card. This kind of card comes with many advantages and features. It also allows you to track your business expenses.
Divvy can be integrated with any external accounting software that allows users to monitor their financial expenses. The software lets you create a budget, limit spending and request money. You can also set an expense limit for your employees.
Divvy also offers corporate cards. These cards look at your company’s finances and decide how much you’ll need to spend each month. As opposed to traditional business credit card, Divvy is not a requirement for a personal guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the best rates of interest on business loans, and can also provide valuable rewards. For example a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Some cards offer rewards for shopping and traveling and some can be used to increase your business’s credit.
Apart from the top business credit cards from Chase There are other credit card issuers that you can use. You should also consider what you intend to do with the credit card. It is crucial to choose the appropriate business credit card for your needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card a great option. The card gives you solid rewards on different categories of purchases and also covers employees’ cell phone bills.