If you’re thinking of creating your own business, the first important question to ask is “Can I get my business credit card?” The answer is a resounding yes however the process of obtaining an enterprise credit card can be confusing and overwhelming. Here are a few points you should be aware of about the process of applying for credit card.
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Brex 30
Brex provides a variety of financial services, such as corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit score. It doesn’t charge interest or require an individual guarantee. Rather, applicants are evaluated on the basis of their business model and spending patterns.
Credit limits as high as 100 percent are allowed for applicants. The limit is determined by the amount customers have in their Brex Cash account. Each day, the Brex Card draws from the account to determine its limit for spending.
You can earn rewards when you use a Brex Corporate credit card. For instance, you’ll earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spending management tool. The card comes with a host of benefits including a flat 1.5 percent cash-back rate on all purchases. There are no annual charges, and the card does not have other requirements, aside from a good credit score.
A low-interest business credit line is a great choice for those who are just starting out. You might also look into a credit card for business that offers additional protection.
A low-interest business credit cards are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll have to pay each month. This is particularly true if you are looking to finance large 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 provides a wide range of benefits, like a high sign-up bonus, purchase security, and travel perks. However, it also has several drawbacks.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promotions to be found, and the spending limit could be too low for your company. This isn’t the most efficient points-earning program.
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On the other side the Ink Business Preferred Card offers several other valuable features, including liability coverage, primary car rental coverage and a shopping insurance. If you’re a small-sized business owner, you’ll definitely enjoy these benefits.
Additionally to that, the Ink Business Preferred Card is a great method to earn points. When you spend money in certain categories, you can earn 3 points per dollar you spend. For instance, if you charge $500 on purchases to your credit card within the first three months, you’ll receive an offer of 100,000 points.
Divide
If you’re a startup business owner looking for an account for business credit you might want consider Divvy. The card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy works with external accounting software and enables users to easily monitor financial expenses. The program allows you to create a budget, restrict spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards review your company finances and assist you to determine how much you’ll need to spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to understand the company’s rate prior to applying.
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Chase Ultimate Rewards
Business credit cards can be a way to secure the best rates of interest on business loans. They can also offer valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash or cash back. 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, there are other credit card issuers you can turn to. You should also consider the way you intend to use the credit card. It is essential to choose the appropriate business credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. The card gives you solid rewards for various categories of purchases, and it even covers employees’ cell phone bills.