If you’re thinking about creating your own business, the most important question to ask is “Can I get my business credit card?” The answer is a resounding yes, but the process of obtaining a business credit card can be a bit overwhelming and confusing. Here are some things you should know about the process of applying for an credit card.
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Brex provides a range of financial services including corporate credit cards, 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 designed to help start-ups establish their credit histories. It doesn’t charge interest or have to provide an individual guarantee. Rather, applicants are evaluated on the basis of their business model and spending habits.
Applicants can have up to 100 percent credit. This limit is determined based on the amount of money in a customer’s Brex Cash account. Each day, the Brex Card draws from the account to determine the limit of its spending.
You can earn rewards by using the Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spend management tool. The card comes with a host of benefits, including a flat 1.5% cash back rate on all purchases. The card does not have annual charges and doesn’t need any other requirements other than an excellent credit score.
For a business that is just beginning it is possible to reap the benefits of a low-interest business credit card could be very appealing. You may also want to think about a business credit card which offers additional security.
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 be able to afford each month. This is especially true if you are looking 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 provides many advantages, including a large sign up bonus as well as purchase protection along with travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any introductory APR deals and the spend limit might not be suitable for your company. Furthermore, it’s not the most generous points-earning feature.
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On the other side the Ink Business Preferred Card offers a lot of other useful features, including liability coverage and primary car rental coverage, and a shopping protection. If you’re a small-sized business owner, you’ll surely get these benefits.
Additionally it is worth noting that the Ink Business Preferred Card is a great opportunity to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if make a purchase of $500 to your card during the first three months, you’ll receive the welcome bonus of 100,000 points.
Divvy is an excellent choice for startup business owners seeking a business card. This card comes with a wide range of advantages and features. It also lets you keep track of your business expenses.
Divvy is compatible with external accounting software, and allows users to quickly view financial expenses. The program allows you to create a budget, restrict spending and even request money. Divvy also allows you to set the spending limit for your employees.
Divvy also offers a corporate card. These cards review your company financial situation and help you decide what amount of money you’ll need to invest every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s essential to be aware of the company’s rates before you apply.
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Chase Ultimate Rewards
Business credit cards provide an opportunity to secure the most favorable interest rates on business loans, and they are also able to provide useful rewards. For example one card, the Chase Ultimate Rewards business credit card offers bonus points that can translate to cash back. Some cards offer rewards for shopping and travelling and some can be used to to build credit for your business.
Apart from the top business credit cards from Chase but there are many other credit card issuers you can turn to. However, you should think about the ways you will utilize a specific credit card. It is vital to find the right business credit card that meets your needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card a fantastic option. This card provides solid rewards on a variety of purchase categories, and it even covers employees’ cell phone bills.