If you’re starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes it can be confusing and overwhelming to apply for an enterprise credit card. Here are a few things to be aware of before obtaining the credit card you need.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards as well as spend management and expense management software. It offers a complete financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that can help startups establish credit histories. It doesn’t charge interest and don’t need to offer an individual guarantee. Instead the applicants are evaluated on their company’s business model and spending habits.
Applicants can have up to 100 percent credit limit. This limit is determined by the amount customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points to book travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spend management tool. The card comes with a variety of benefits, including a flat 1.5 percent cash-back rate on all purchases. The card is free of annual fees and does not have any other qualifications other than a good credit rating.
For a startup business one of the advantages of using a business credit card with low interest could be very appealing. You may also think about a business credit card which offers additional security.
A low-interest business credit card are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you’ll have to pay each month. This is particularly true if you’re looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards available to start-up businesses. It offers a range of advantages, including the highest sign-up bonus, purchase protection, as well as travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR promotions and the spending limit may not be appropriate for your company. Furthermore, it’s not the most generous point-earning system.
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On the other side however, the Ink Business Preferred Card offers numerous other useful features, such as liability insurance as well as primary coverage for car rental, and a shopping protection. If you’re a small company owner, you’ll certainly benefit from these benefits.
Furthermore, the Ink Business Preferred Card is a great opportunity to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if charge $500 on purchases to your card during the first three months, you’ll be eligible for an initial bonus of 100,000 points.
Divide
Divvy is a good option for business owners in the beginning looking for an business card. This type of credit card provides a range of advantages and features. It also lets you keep track of your business expenses.
Divvy works with external accounting software that allows users to easily view financial expenses. You can then create a budget, set limits on spending and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card. These cards evaluate your business finances and assist you to determine how much you’ll need to spend every month. Contrary to traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy does not disclose any interest rates on its website. It is important to find out the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the best interest rates on business loans. They are also able to provide useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Some cards offer rewards for shopping and travel while others can be used to build your credit score.
In addition to the top business credit cards from Chase and other credit card issuers you can use. However, you should think about the ways you will make use of a particular credit card. It is important that you locate the best business credit card for your requirements.
Small business owners will find the Ink Business Preferred(r) Credit Card an excellent option. This card gives you solid rewards across a variety of categories and even covers employees’ mobile phone costs.