For those that are starting the business of their own, one of the most important questions they’ll have 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 things to know about how to get an credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards, spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups build their credit history. The applicants don’t have to pay interest or provide an individual guarantee. Instead, applicants are evaluated on their company’s financial model and spending habits.
Applicants can have up to a 100 percent credit limit. 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 the limit of its spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you could get four points on travel booked through Brex Travel. You can also get three points for dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spending management system. It offers a wide range of benefits, including a standard 1.5 percent cashback on all purchases. There are no annual fees and the card does not have other requirements aside from an excellent credit score.
A business credit card with a low-interest rate is a great option for businesses that are just starting out. You may also look into a business credit card which offers additional security.
One of the most important benefits of a business low-interest credit card is that you don’t have to worry about juggling multiple cards or worrying about the amount you can afford to pay every month. This is especially important if you’re trying to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards designed for start-up businesses. It offers a range of advantages, including an excellent sign-up bonus purchase protection, and travel benefits. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR promotions to be found, and the spending limit could be too low for your business. It’s also not the most generous points-earning option.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features like liability insurance, primary coverage for car rentals shopping protection, as well as primary coverage for car rental. These perks are great for small business owners.
The Ink Business Preferred Card is another excellent method to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For example, if you charge $500 in purchases to your credit card within the first three months, you’ll get a welcome bonus of 100,000 points.
Divvy
The Divvy card is a great choice for business owners in the beginning seeking business cards. This type of card offers a range of benefits and features. You can also keep track of your business expenses by using this card.
The Divvy app can be used with any external accounting software to allow users to view their financial expenses. The program allows you to set a budget, limit spending and even request money. It also lets you set the spending limit for your employees.
Divvy also offers a corporate credit card. These cards assess your business financial situation and help you determine how much you’ll need to spend each month. Contrary to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to find out the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to get the most competitive rates of interest for business loans, and also provide valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash back. Certain cards provide rewards for shopping and travel and some can be used to help improve your company’s credit score.
There are numerous credit card issuers you can pick from, including Chase. However, you must think about the ways you will make use of a particular credit card. It is important to find an enterprise credit card that suits your specific requirements.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card offers solid rewards for various categories of purchases and also covers cell phone bills.