For those who are starting an enterprise, 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 obtaining an enterprise credit card can be daunting and confusing. Here are some things you need to know about how to get the credit card you need.
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Brex 30
Brex offers a variety of financial services , including corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups establish their credit histories. The applicants don’t have to pay interest or require an individual guarantee. Instead, applicants are rated by the business model of the company and spending patterns.
Credit limits of up 100 percent are permitted for applicants. This limit is determined by the amount customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards when you use a Brex Corporate credit card. For instance, you could earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management solution. The card offers a slew of benefits, including a fixed 1.5 percent cash back rate on all purchases. The card is free of annual fees and doesn’t require any other requirements than having a high credit score.
A business credit card with low interest is a great option for businesses that are just starting out. You may also consider a business credit card that offers additional protection.
Business credit cards with low interest are extremely convenient since you’re not juggling the hassle of managing multiple cards or worrying about the amount of you can manage each month. This is particularly relevant if you’re trying to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards designed for entrepreneurs. It offers a range of advantages, including the highest sign-up bonus, purchase protection, and travel benefits. However, it also has some drawbacks.
The Ink Business Preferred Card may not be perfect. There are no introductory APR deals and the spend limit might not be suitable for your company. It’s also not the best points-earning program.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, including liability coverage as well as primary coverage for car rental and a shopping insurance. If you’re a small-sized business owner, you’ll surely benefit from these perks.
The Ink Business Preferred Card is another great method to earn points. Spend in certain categories and earn three points per dollar. For instance, if make a purchase of $500 to your credit card during the first three months, you’ll be eligible for an offer of 100,000 points.
Divide
Divvy is a good option for business owners who are just starting out looking for business cards. This type of card offers many advantages and features. It also lets you keep track of your business expenses.
Divvy can be used with any accounting software that allows users to see their financial expenses. You can create a budget, set limits, and request funds. It also lets you set the spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards assess your business’ finances and help you decide what amount of money you can spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
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 are an opportunity to secure the highest interest rates for business loans, and they are also able to provide useful rewards. For instance, a Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Some cards offer rewards for shopping and travel as well as other cards that can be used to help build your business’s credit.
There are numerous credit card issuers that you can pick from, including Chase. But, you must consider how you will utilize a specific credit card. It is crucial to choose a business credit card that meets your needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card a great option. This card provides solid rewards on various purchase categories and even covers cell phone bills.