For those who are just beginning the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer but it can be challenging and overwhelming to apply for an enterprise credit card. Here are some things to learn about getting credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups build their credit history. The applicants don’t pay interest or have to provide a personal guarantee. Instead, applicants are assessed by the business model of the company and spending habits.
Credit limits as high as 100 percent are permitted for applicants. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards using the Brex Corporate credit card. For example, you can earn four points when you travel booked through Brex Travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management solution. The card provides a range of advantages, including a fixed 1.5% cashback rate on all purchases. The card is free of annual fees and doesn’t have any other requirements than an excellent credit score.
For a business that is just beginning benefiting from a low-interest business credit card could be very appealing. You may also consider a business credit card which offers additional security.
A business credit card with a low-interest rate are extremely convenient since you’re not juggling the hassle of managing multiple cards or worrying about how much money you’ll have to pay each month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for startup companies. It offers a range of advantages, including an excellent sign-up bonus purchase protection, as well as travel perks. However, it has several drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any introductory APR promotions and the spending limit may not be appropriate for your business. It’s also not the most effective points-earning feature.
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The Ink Business Preferred Card, however, offers many other useful features like liability insurance and primary car rental coverage shopping protection, and primary coverage for car rentals. These perks are perfect for small business owners.
Additionally that, the Ink Business Preferred Card is an excellent way to earn points. Spend in certain categories and earn 3 points for every dollar. In this instance when you spend $500 on purchases on your card in the first three months, you will be awarded a 100,000 points welcome bonus.
Divide
Divvy is a good option for startup business owners looking for an business card. This card comes with a wide range of advantages and features. It also lets you monitor your business expenses.
Divvy works with external accounting software, allowing users to quickly view the financial expenses. You can then create budgets, set limits, and request money. Additionally, Divvy lets you set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for corporate customers. The cards analyze your company’s financial situation and decide on how much you’ll need to spend every month. Unlike traditional business credit cards, Divvy doesn’t require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. It is essential to know the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure the best rates of interest on business loans and offer valuable rewards. For example, a Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Some cards offer rewards for shopping and travel and 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 use. However, you should consider the way you intend to utilize a specific credit card. It is essential to locate a business credit card that is suitable for your specific needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card a great option. The card gives you solid rewards on a variety of purchase categories, and it even covers employees’ cell phone bills.