If you are thinking of starting a business, the most important question to ask is “Can I get my business credit card?” While there is a yes answer but it can be challenging and overwhelming to apply for an enterprise credit card. Here are some things you need to know about the process of obtaining credit card.
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Brex 30
Brex provides a range of financial services , including corporate credit cards along with spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups establish their credit history. Applicants don’t pay interest or provide a personal guarantee. Instead, applicants are assessed by the business model of the company and spending habits.
The applicants can enjoy up to a 100 percent credit limit. The limit is based on the amount of money in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its limit for spending.
You can earn significant rewards using a Brex Corporate credit card. For instance, you could 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-sized business credit card that can also be used as a spend management tool. It comes with a myriad of benefits including a flat 1.5 percent cash-back rate on all purchases. The card has no annual fees and doesn’t have any other requirements other than an excellent credit score.
A low-interest business credit line is a great choice for businesses that are just starting out. A business credit card that comes with additional security could be a possibility.
Business credit cards with low interest are extremely convenient since you’re not juggling the hassle of managing multiple cards or worrying about how much you can manage each month. This is particularly important if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards that are designed for startups. It provides a wide range of benefits, such as the highest sign-up bonus, purchase protection, as well as travel perks. However, it has a few drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any initial APR promos and the spending limit may not be appropriate for your company. It’s also not the most effective point-earning option.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features like liability insurance, primary coverage for car rentals shopping protection, and primary coverage for car rental. These perks are perfect for small business owners.
Moreover, the Ink Business Preferred Card is a great opportunity to earn points. When you spend in certain categories, you can earn three points for every dollar you spend. For instance, if you charge $500 in purchases to your card during the first three months, you’ll receive an initial bonus of 100,000 points.
Divvy
The Divvy is a great option for startup business owners seeking an business card. This kind of card comes with many advantages and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software that allows users to view their the financial expenses. You can create budgets, set limits, and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards evaluate your business’s financial situation and decide on how much you’ll have to spend every month. As opposed to traditional business credit card, Divvy does not require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. It is important to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the best interest rates for business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Some cards offer rewards for shopping and travel as well as other cards that can be used to improve your company’s credit score.
In addition to the top business credit cards from Chase, there are other credit card issuers are available to. It is important to consider what you intend to do with the credit card. It is crucial to choose an enterprise credit card that is suitable for your particular needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card an excellent option. The card is a good option for earning rewards for various purchase categories and even covers employees’ mobile phone expenses.