If you are thinking of creating a business, the most important thing to consider is “Can I get my business credit card?” The answer is yes but the process of getting the business credit card could be a bit overwhelming and confusing. Here are some tips to learn about getting an credit card.
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Brex 30
Brex provides a range of financial services like corporate credit cards along with spend management and expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups build their credit score. The applicants don’t have to pay interest or require personal guarantees. Instead applicants are evaluated based on their business model and spending habits.
Applicants can have up to 100 percent credit. This limit is by the amount of cash in the customer’s Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
You can earn rewarding rewards with a Brex Corporate credit card. Brex Travel offers four points for booking travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management solution. The card comes with a host of benefits including a standard 1.5 percent cash back rate on all purchases. There are no annual charges, and the card doesn’t have any other requirements aside from having a high credit score.
A low-interest business credit card is a great choice for those who are just starting out. A business credit line with added security may be a possibility.
A business credit card with a low-interest rate are very convenient because you’re not burdened with the stress of managing multiple credit cards or worrying about how much money you’ll have to pay each month. This is particularly important if you’re trying to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards that are designed for startups. It offers a variety of advantages, including the highest sign-up bonus, purchase protection, and travel benefits. However, it has several drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any introductory APR promotions available, and the spending limit may be too low for your business. It’s also not the most effective point-earning option.
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On the other side it is worth noting that the Ink Business Preferred Card offers many other beneficial features, such as liability insurance as well as primary coverage for car rental and a shopping protection. If you’re a small business owner, you’ll surely benefit from these benefits.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in specific categories, you can earn 3 points per dollar you spend. For example when you spend $500 on purchases to your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divide
If you’re a startup business owner in search of an enterprise credit card, you may want to look into Divvy. This card has a variety of benefits and features. It also allows you to keep track of your business expenses.
Divvy integrates with other accounting software, and allows users to easily monitor the financial expenses. The software lets you create a budget, restrict spending, and request funds. Additionally, Divvy lets you set an amount of money you can spend for your employees.
Divvy also has corporate cards. These cards assess your company’s finances and determine the amount you’ll have to spend each month. Contrary to traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to get the most competitive rates of interest for business loans. They also offer rewards. For instance a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash. Some cards offer rewards for shopping and traveling, while others can be used to improve your credit score.
Apart from the top business credit cards from Chase and other credit card issuers that you can turn to. You should also think about how you will use the credit card. It is important to find the best business credit card that meets your specific needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card a great option. The card is a good option for earning rewards across a variety of categories and even covers employees’ mobile phone bills.