If you are thinking of starting your own business, the first important question is “Can I get my business credit card?” Although the answer is yes it can be a bit difficult and confusing to apply for a business credit card. Here are a few points you should be aware of about the process of getting an credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards spending management, as well as expense management software. Brex is a complete financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish credit histories. The cardholders don’t have to pay any interest and don’t have to offer personal guarantees. Instead, applicants are assessed by the business model of the company and spending habits.
Customers can get up to a 100 percent credit limit. 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 a Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you could earn four points on trips booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spend management system. 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 charges and doesn’t need any other qualifications other than having a credit score of at least.
For a startup business one of the advantages of using a business credit card with low interest can be extremely appealing. A business credit line with additional security might be a viable option.
One of the most important advantages of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll have to pay each month. This is particularly applicable if you’re planning to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It provides many advantages, including a large reward for signing up and purchase protection along with travel perks. However, it has several drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any initial APR promotions and the spending limit may not be appropriate for your company. It’s not the most efficient points-earning feature.
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The Ink Business Preferred Card, however provides a range of useful features such as liability coverage primary car rental coverage, shopping protection, and primary coverage for car rentals. If you’re a small-sized business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. Spend in specific categories and you’ll earn three points per dollar. In this instance for example, if you spend $500 on purchases to your card within the first three months, you will receive a 100,000-point welcome bonus.
Divvy
If you’re a new business owner in search of an enterprise credit card, you may want to look into Divvy. This type of card offers a range of benefits and features. It also allows you to keep track of your business expenses.
Divvy can be used with any accounting software to allow users to view their financial expenses. You can then create a budget, set limits, and request money. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also has a corporate card. The cards analyze your company’s finances and determine how much you should spend every 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 crucial 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 get the most competitive rates of interest for business loans, and also provide valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash back. Some cards offer rewards for shopping and traveling as well as others that can be used to build your credit score.
There are a myriad of credit card issuers that you can select from, including Chase. It is important to consider the method of use for the credit card. It is essential to locate the right business credit card that is suitable for your particular needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card offers solid rewards for various categories of purchases and even protects employees’ mobile phone bills.