If you’re thinking of creating your own business, the first important question is “Can I get my business credit card?” The answer is a resounding yes however the process of obtaining the business credit card could be overwhelming and confusing. Here are a few tips to be aware of the process of applying for the credit card.
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Brex offers a variety of financial services , including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an account that helps entrepreneurs build credit histories. It doesn’t charge interest or offer a personal guarantee. Instead applicants are evaluated on their company’s business model and spending habits.
Applicants can have up to a 100 percent credit limit. The limit is determined by the amount of money the customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you’ll get four points on travel booked through Brex Travel. You can also receive three points for dining out.
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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. The card comes with a variety of benefits, including a fixed 1.5% cash back rate on all purchases. There are no annual fees, and the card doesn’t have other requirements, aside from having a high credit score.
A business credit card with a low-interest rate is a great option for businesses that are just starting out. A business credit line with additional protection may be an option.
One of the primary benefits of a business low-interest credit card is that you don’t need to worry about managing multiple cards or worrying about how much you can afford to pay off each month. This is especially important if you’re trying to finance large 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 benefits, including a substantial initial bonus, purchase protection, as well as travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR promos and the spending limit may not be appropriate for your business. It’s also not the best points-earning program.
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On the other hand it is worth noting that the Ink Business Preferred Card offers numerous other useful features, such as liability insurance in addition to primary car rental insurance and a shopping protection. As a small company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another great method to earn points. Spend in certain categories and earn three points per dollar. For instance, if you make a purchase of $500 to your card during the first three months, you’ll receive an offer of 100,000 points.
Divvy is a good option for business owners in the beginning seeking business cards. This card has a variety of advantages and features. You can also keep track of your business expenses using this card.
Divvy is compatible with external accounting software, allowing users to quickly view the financial expenses. You can then create a budget, set maximum limits and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards analyze your business financial situation and help you decide on how much you should spend each month. Contrary to traditional business credit cards, Divvy does not require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure best rates of interest for business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Certain cards provide rewards for shopping and travelling as well as other cards that can be used to to build credit for your business.
There are many credit card issuers that you can choose from, including Chase. You should also think about the method of use for the credit card. It is vital to choose the appropriate business credit card that meets your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. The card gives you solid rewards on a variety of purchase categories as well as will pay for employees’ cell phone bills.