If you’re thinking of creating your own business, the first important question you should ask yourself is “Can I get my business credit card?” While there is a yes answer it can be challenging and overwhelming to apply for a business credit card. Here are a few things to learn about getting credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards spending management, as well as expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is a credit card that can help startups establish their credit history. It doesn’t charge interest and don’t need to offer a personal guarantee. Instead, applicants are evaluated based on their budget and business model.
Applicants can have up to 100 percent credit limit. The limit is determined by 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.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. Brex Travel offers four points for booking travel. You can also 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 an expense management tool. The card provides a range of advantages, including a fixed 1.5% cashback rate on all purchases. There are no annual charges, and the card doesn’t have other requirements, aside from having a high credit score.
A low-interest business credit line is a great option for those who are just starting out. A business credit card that offers additional protection may be an option.
One of the primary features of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about how much you’ll have to pay every month. This is especially true if you are looking to finance large 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 comes with a variety of benefits, including a substantial initial bonus and purchase protection and travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card may not be the perfect choice for your business. There are no introductory APR deals and the spend limit might not be suitable for your company. It’s not the most efficient points-earning strategy.
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On the other side, the Ink Business Preferred Card offers several other valuable features, such as liability insurance, primary car rental coverage, and a shopping protection. As a small-scale business owner, you’ll definitely get these benefits.
The Ink Business Preferred Card is another great method to earn points. If you make purchases in certain categories, you’ll earn three points for every dollar you spend. For example the case of spending $500 on purchases to your card in the first three months, you will be awarded a 100,000 points welcome bonus.
Divvy
The Divvy is a great option for business owners in the beginning seeking an enterprise card. The card comes with a range of benefits and features. It also allows you to keep track of your business expenses.
Divvy can be used alongside any other accounting software that allows users to see their financial expenses. You can then create budgets, set the maximum limits and request money. Divvy also allows you to set an amount of money you can spend for your employees.
Divvy also offers a corporate card. These cards assess your company’s finances and determine how much you should spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the most favorable interest rates on business loans, and can also provide valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card can earn bonus points that can translate to cash back. Some cards offer rewards for shopping and traveling while others can be used to help to build credit for your business.
Aside from the best business credit cards from Chase, there are other credit card issuers you can choose from. You should also consider how you will use the credit card. It is essential to locate the right business credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. The card gives you solid rewards on various purchase categories as well as covers employees’ cell phone bills.