If you’re thinking about creating your own business, the most important question is “Can I get my business credit card?” The answer is yes but the process of getting an official business credit card can be daunting and confusing. Here are a few things to be aware of before obtaining an credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution to startups.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups establish their credit histories. Applicants don’t pay interest or have to provide personal guarantees. Instead, applicants are rated by the business model of the company and spending patterns.
Credit limits of up 100 percent are permitted for applicants. The limit is by the amount of money in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn rewards with a Brex Corporate credit card. For instance, you could earn four points when you travel 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 complete small business credit card and a spend management tool. The card provides a range of benefits, including a simple 1.5 percent cashback rate on all purchases. There are no annual fees, and the card doesn’t have any other requirements aside from having a credit score of at least.
A business credit card with low interest is a great option for new businesses. A business credit card that offers additional security might be a possibility.
A low-interest business credit card are extremely convenient since you’re not juggling the hassle of managing multiple cards or worrying about the amount of money you can afford each month. This is particularly 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 startups. It offers a range of advantages, including the highest sign-up bonus, purchase protection, and travel perks. However, it has some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR offers and the spending limit may not be appropriate for your business. In addition, it’s not exactly the most generous point-earning system.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features, such as liability coverage, primary car rental coverage, shopping protection, and primary coverage for car rentals. As a small business owner, you’ll definitely get these benefits.
Moreover that, the Ink Business Preferred Card is an excellent way to earn points. If you make purchases in certain categories, you’ll earn 3 points per dollar you spend. In this instance the case of spending $500 on purchases to your card within the first three months, you’ll receive a 100,000-point welcome bonus.
Divide
If you’re a business owner in search of an enterprise credit card You might want to think about Divvy. This type of card offers many advantages and features. It also allows you to track your business expenses.
The Divvy app can be used alongside any other accounting software that allows users to look at their financial expenses. You can create a budget, set limits on spending and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards analyze your business finances and assist you to decide on how much you’ll need to spend every month. Contrary to traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s essential to learn about the rates offered by the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most competitive rates of interest on 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 purchases and travel, while others can be used to build your credit score.
Apart from the top business credit cards offered by Chase, there are other credit card issuers you can choose from. However, you must think about the way you intend to make use of a specific credit card. It is important to select the best business credit card that suits your particular needs.
Small business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card gives you solid rewards for various purchase categories and even covers employees’ mobile phone expenses.