If you’re thinking of starting your own business, the first important question to ask is “Can I get my business credit card?” The answer is yes however the process of obtaining a business credit card can be daunting and confusing. Here are some tips to know about how to get the credit card you need.
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Brex offers a variety of financial services including corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit history. The cardholders don’t have to pay any interest and don’t have to provide a personal guarantee. Instead applicants are evaluated based on their business model and their spending habits.
Credit limits up to 100 percent are allowed for applicants. The limit is determined by the amount of money in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card You can earn rewards on purchases. For example, you can earn four points on trips booked through Brex Travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management tool. It comes with a myriad of benefits including a standard 1.5% cash back rate on all purchases. The card does not have annual charges and doesn’t need any other requirements than a good credit rating.
For businesses that are just starting out one of the advantages of using a low-interest business credit card are a great deal. A business credit line with additional security might be a good option.
A low-interest business credit card are very convenient because you don’t have the worry of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is particularly applicable if you’re planning to finance major expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It offers a range of benefits, including a high sign-up bonus, purchase protection, and 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 promos and the spending limit may not be appropriate for your company. It’s also not the best points-earning feature.
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On the other hand the Ink Business Preferred Card offers several other valuable features, such as liability insurance in addition to primary car rental insurance, and a shopping protection. As a small-scale business owner, you’ll surely benefit from these perks.
The Ink Business Preferred Card is another great method to earn points. If you make purchases in certain categories, you can earn 3 points for every dollar you spend. For instance, if you charge $500 in purchases to your credit card within the first three months, you’ll get the welcome bonus of 100,000 points.
If you’re a startup business owner looking for a business credit card you might want think about Divvy. This kind of card comes with many advantages and features. It also allows you to keep track of your business expenses.
Divvy can be used with accounting software, allowing users to easily view the financial expenses. You can then create budget, 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 companies. These cards evaluate your business’ finances and help you determine how much you can 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 learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most favorable interest rates for business loans, and also provide valuable rewards. For example the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Some cards offer rewards for shopping and traveling while others can be used to to build credit for your business.
Aside from the best business credit cards from Chase but there are many other credit card issuers that you can use. However, you should think about the ways you will use a particular credit card. It is essential to find the right business credit card that meets your requirements.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card a great option. This card offers solid rewards for various categories of purchases and even covers employees’ mobile phone expenses.