For those who are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” Although the answer is yes, it can be confusing and overwhelming to apply for a business credit card. Here are a few tips to be aware of the process of obtaining an credit card.
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Brex offers a variety of financial services like corporate credit cards, spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an credit card that assists startups build their credit history. Applicants don’t pay interest or provide a personal guarantee. Instead applicants are evaluated based on their company’s business model and their spending habits.
Credit limits as high as 100 percent are allowed for applicants. The limit is determined based on the amount of money that is in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine the limit of its spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you can get four points on travel booked through Brex Travel. You can also earn three points on dining.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spend management tool. The card comes with a variety of benefits including a flat 1.5 percent cash-back rate on all purchases. There are no annual fees and the card doesn’t have other requirements other than having a high credit score.
For a business that is just beginning it is possible to reap the benefits of the low-interest business credit cards are a great deal. It is also possible to look into a credit card for business with additional protection.
Business credit cards with low interest are very convenient because you don’t have to worry of managing multiple credit cards or worrying about how much you can manage each month. This is particularly applicable if you’re planning to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for new companies. It comes with a range of advantages, including a high sign-up bonus, purchase protection, and travel benefits. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR promotions to be found and the spending limit could be too low for your business. It’s also not the most effective points-earning program.
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The Ink Business Preferred Card, on the other hand it offers a number of additional useful features such as liability coverage, primary car rental coverage shopping protection, and primary car rental coverage. These benefits are perfect for small-scale business owners.
Additionally to that, the Ink Business Preferred Card is an excellent method to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For instance, if you add $500 worth of purchases to your card in the first three months, then you’ll be rewarded with a welcome bonus of 100,000 points.
If you’re a startup business owner looking for a credit card for business you might want to think about Divvy. This type of credit card provides numerous benefits and features. It also allows you to track your business expenses.
Divvy integrates with other accounting software that allows users to easily view the financial expenses. The program lets you set a budget, limit spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. These cards review your company finances and allow you to determine how much you should spend each 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 know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the best rates of interest on business loans, and are also able to provide useful rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash or cash back. Certain cards provide rewards for shopping and travelling and some can be used to to build credit for your business.
In addition to the top business credit cards from Chase but there are many other credit card issuers you can turn to. You must also think about what you intend to do with the credit card. It is important to select a business credit card that suits your particular needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card provides solid rewards on a variety of purchase categories, and it even covers employees’ cell phone bills.