If you’re thinking of creating your own business, the most important question is “Can I get my business credit card?” The answer is a resounding yes, but the process of applying for an enterprise credit card can be confusing and overwhelming. Here are some tips to be aware of the process of applying for the credit card.
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Brex 30
Brex offers a wide variety of financial services, such as corporate credit cards as well as spend management and expense management software. It offers a complete financial solution for entrepreneurs.
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 need to provide a personal guarantee. Instead, applicants are assessed on the basis of their business model and spending habits.
Credit limits of up 100 percent are permissible for applicants. This limit is determined by the amount of money that a customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine the limit of its spending.
With a Brex Corporate Credit Card You can earn rewards on purchases. For instance, you could earn four points on 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 an all-in-one small business credit card and a spend management tool. The card comes with a host of benefits, including a flat 1.5 percent cash back rate on all purchases. The card is free of annual charges and doesn’t need any other requirements other than a good credit rating.
If you are a new business benefiting from the low-interest business credit cards can be extremely appealing. It is also possible to look into a credit card for business that offers additional protection.
One of the most important advantages of a low interest business credit card is that you don’t have to fret about juggling several cards or worrying about the amount you can afford to pay each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It offers many advantages, including a large reward for signing up as well as purchase protection and travel perks. However, it also has several drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any initial APR deals and the spend limit may not be appropriate for your business. This isn’t the most efficient point-earning option.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features like liability insurance and primary car rental coverage shopping protection, and primary car rental coverage. These benefits are perfect for small business owners.
Additionally that, the Ink Business Preferred Card is an excellent method to earn points. When you spend in specific categories, you’ll earn 3 points per dollar you spend. In this case, if you spend $500 on purchases with your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divvy
Divvy is a good option for entrepreneurs who are starting their business and looking for an enterprise card. This type of card comes with various advantages and features. It also lets you track your business expenses.
The Divvy app can be used with any external accounting software that allows users to look at their financial expenses. The program lets you create a budget, restrict spending, and request funds. You can also set an expense limit for your employees.
Divvy also has a corporate card. The cards analyze your company’s financial situation and decide on how much you’ll have to spend each month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to understand the company’s rate prior to applying.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the best rates of interest on business loans. They can also offer useful rewards. For instance a Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash back. Certain cards provide rewards for travel and shopping, while others can be used to build your credit score.
Apart from the top business credit cards offered by Chase, there are other credit card issuers that you can choose from. However, you should think about the way you intend to use a particular credit card. It is crucial to choose the best business credit card that meets your specific requirements.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. This card gives you solid rewards across a variety of categories and even will pay for employees’ mobile phone costs.