For those who are just beginning 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 however the process of applying for a business credit card can be overwhelming and confusing. Here are a few things you need to know about the process of applying for a credit card.
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Brex 30
Brex provides a variety of financial services, including corporate credit cards as well as spend management and expense management software. It offers a complete financial solution to startups.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build their credit history. Applicants don’t pay interest or require an individual guarantee. Instead, applicants are rated on the basis of their business model and spending habits.
Customers can get up to a 100 percent credit limit. 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 limit for spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points to book travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card as well as a spending management system. The card provides a range of benefits, including a standard 1.5 percent cashback rate on all purchases. The card has no annual fees and doesn’t require any other requirements other than an excellent credit score.
A business credit card with a low-interest rate is a great choice for businesses that are just starting out. You might also look into a business credit card that offers additional protection.
One of the main advantages of a low-interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll have to pay every month. This is particularly important if you’re trying to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for new businesses. It has many advantages, including a large sign up bonus, purchase protection, as well as travel benefits. It does have some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR deals and the spend limit may not be appropriate for your business. It’s also not the best points-earning feature.
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On the other hand the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance as well as a shopping security. If you’re a small business owner, you’ll surely benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. If you make purchases in certain categories, you’ll earn 3 points per dollar you spend. For instance, if you charge $500 in purchases to your credit card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divvy
The Divvy is a great option for business owners in the beginning seeking an business card. The card comes with a range of benefits and features. It also allows you to track your business expenses.
The Divvy app can be used with any external accounting software that allows users to view their financial expenses. You can create budgets, set limits, and request money. You can also set a spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business’ finances and help you determine how much you’ll need to spend every month. Contrary to traditional business credit cards, Divvy is not a requirement for personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most favorable rates of interest on business loans. They also offer rewards. For example, a Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Certain cards provide rewards for shopping and travel, while others can be used to boost your credit score.
There are many credit card issuers that you can choose from, such as Chase. However, you must think about how you will use a particular credit card. It is important to find the right business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card is a great way to earn rewards for various categories of purchases and also covers cell phone bills.
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