If you’re thinking about starting an enterprise, the most important thing to consider is “Can I get my business credit card?” Although the answer is yes it can be difficult and confusing to apply for a business credit card. Here are some tips to be aware of the process of getting a credit card.
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Brex offers a wide variety of financial services, such as corporate credit cards, spend management, and expense management software. It offers a complete financial solution for new businesses.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish credit histories. The applicants don’t pay interest or require a personal guarantee. Instead, applicants are rated by the business model of the company and spending habits.
Credit limits of up 100 percent are allowed for applicants. The limit is determined by the amount of money the customer has in their Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
You can earn valuable rewards by using a Brex Corporate credit card. Brex Travel offers four points when you book travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spend management tool. The card comes with a range of benefits, including a standard 1.5 percent cashback rate on all purchases. There are no annual fees and the card doesn’t have other requirements except for an excellent credit score.
For a business that is just beginning, the benefits of using the low-interest business credit cards are a great deal. You may also want to consider a business credit card that offers additional protection.
One of the main features of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you can afford to pay each month. This is particularly important if you’re trying to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards designed for start-up companies. It comes with a variety of advantages, including a large reward for signing up and purchase protection as well as travel benefits. However, it does have some drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any introductory APR promotions to be found and the spending cap could be too low for your company. It’s not the most efficient points-earning feature.
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On the other hand the Ink Business Preferred Card offers numerous other useful features, including liability coverage as well as primary coverage for car rental and a shopping insurance. As a small business owner, you’ll definitely enjoy these benefits.
Additionally, the Ink Business Preferred Card is a great opportunity to earn points. If you make purchases in certain categories, you can earn three points per dollar you spend. For instance, if you make a purchase of $500 to your card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divvy is an excellent choice for business owners in the beginning seeking a business card. This type of credit card provides numerous benefits and features. You can also track your business expenses with this card.
The Divvy app can be used with any external accounting software to allow users to view their financial expenses. You can then create budget, set limits on spending and request money. It also lets you set an amount of money you can spend for your employees.
Divvy also offers corporate cards. The cards analyze your company’s finances and decide how much you should spend every month. As opposed to traditional business credit card, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards offer the chance to secure best interest rates on business loans, and they can also offer useful rewards. For example, a Chase Ultimate Rewards business credit card gives you bonus points that could be converted to cash back. Some cards offer rewards for shopping and travel while others can be used to help build your business’s credit.
There are a variety of credit card issuers you can select from, including Chase. However, you should consider the ways you will use a particular credit card. It is important that you choose the appropriate corporate credit card for your needs.
Small business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card provides solid rewards on various purchase categories and also will pay for employees’ cell phone bills.