If you’re thinking of creating an enterprise, the most important question to ask is “Can I get my business credit card?” The answer is yes however, the process of obtaining a business credit card can be daunting and confusing. Here are some points you should be aware of about the process of applying for an credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards spending management, as well as expense management software. It offers a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an account that helps startups establish their credit history. The applicants don’t pay interest or provide a personal guarantee. Instead, applicants are rated by the business model of the company and spending patterns.
The applicants can enjoy up to a 100 percent credit limit. The limit is based on the amount of money that is in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards when you use a Brex Corporate credit card. Brex Travel offers four points to book travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management solution. It comes with a myriad of benefits including a flat 1.5 percent cash-back rate on all purchases. The card does not have annual fees and doesn’t have any other requirements than an excellent credit score.
A low-interest business credit card is a great choice for businesses that are just starting out. You may also want to think about a business credit card which offers additional security.
A business credit card with a low-interest rate are extremely convenient since you don’t have to worry of managing multiple credit cards or worrying about how much you can manage 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 top business credit cards available to start-up companies. It offers a range of benefits, like a high sign-up bonus, purchase protection, and travel benefits. However, it also has several drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions to be found, and the spending limit may be too low for your business. It’s also not the best points-earning program.
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The Ink Business Preferred Card, on the other hand, offers many other useful features such as liability coverage as well as primary car rental coverage shopping protection, and primary coverage for car rentals. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in specific categories, you’ll earn 3 points for every dollar you spend. In this instance when you spend $500 on purchases made with your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy
The Divvy is a great option for entrepreneurs who are starting their business and looking for an business card. This card offers a variety of benefits and features. You can also keep track of your business expenses using this card.
Divvy can be used with accounting software and enables users to easily view the financial expenses. You can then create budgets, set maximum limits and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also has corporate cards. The cards analyze your company’s finances and determine the amount you’ll have to spend every month. As opposed to traditional business credit card, Divvy does NOT require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive interest rates for business loans and offer valuable 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 and some can be used to help improve your company’s credit score.
There are numerous credit card issuers you can select from, including Chase. However, you must think about the manner in which you make use of a particular credit card. It is important to select an enterprise credit card that suits your particular needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent option. This card is a great way to earn rewards on different categories of purchases and even protects employees’ mobile phone bills.