If you’re starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes, but the process of obtaining an official business credit card can be overwhelming and confusing. Here are some tips to be aware of when applying for a credit card.
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Brex offers a variety of financial services , including corporate credit cards spending management, as well as expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups build their credit history. It doesn’t charge interest and don’t have to offer a personal guarantee. Instead, applicants are rated by company business model and spending patterns.
Users can get 100 percent credit. The limit is determined by the amount customers have in their Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
With a Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spend management system. The card comes with a variety of benefits including a flat 1.5 percent cash-back rate on all purchases. The card does not have annual fees and does not have any other requirements than having a high credit score.
A low-interest business credit line is a great choice for startups. A business credit card with additional security could be a viable option.
A low-interest business credit card are extremely convenient since you don’t have the worry of managing multiple credit cards or worrying about how much money you can afford 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 most sought-after business credit cards for new businesses. It comes with a range of benefits, such as the highest sign-up bonus, purchase security, and travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR promotions to be found and the spending limit could be too low for your business. This isn’t the most efficient points-earning feature.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features such as liability coverage, primary car rental coverage, shopping protection, and primary coverage for car rentals. If you’re a small-sized business owner, you’ll definitely enjoy these benefits.
Additionally it is worth noting that the Ink Business Preferred Card is a great opportunity to earn points. When you spend in specific categories, you’ll earn three points for every dollar you spend. For instance, if charge $500 on purchases to your card during the first three months, you’ll receive an initial bonus of 100,000 points.
The Divvy is a great option for business owners in the beginning seeking an business card. This kind of card comes with a range of benefits and features. You can also monitor your business expenses with this card.
Divvy is compatible with external accounting software, allowing users to quickly view financial expenses. You can create budgets, set limits on spending and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards analyze your business financial situation and help you decide what amount of money you can spend every month. Contrary to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy does not disclose any interest rates on its website. It is essential to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards are a way to secure the most favorable interest rates on business loans. They are also able to provide useful rewards. For example the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Some cards offer rewards for shopping and travel, while others can be used to improve your credit score.
In addition to the top business credit cards from Chase but there are many other credit card issuers that are available to. You must also think about the method of use for the credit card. It is essential to locate the right business credit card that meets your needs.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card gives you solid rewards for various categories of purchases and also will pay for employees’ cell phone bills.