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 but the process of applying for the business credit card could be daunting and confusing. Here are some tips to be aware of the process of getting credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. The applicants don’t have to pay interest or require personal guarantees. Instead, applicants are rated by the business model of the company and spending patterns.
The applicants can enjoy up to 100 percent credit. This limit is determined based on the amount of cash in the customer’s Brex Cash account. Each 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 can earn four points on travel booked through Brex Travel. You can also get three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a budget management tool. It offers a wide range of benefits, including a simple 1.5% cashback rate on all purchases. The card does not have annual fees and doesn’t have any other requirements other than an excellent credit score.
A low-interest business credit card is a great choice for businesses that are just starting out. A business credit card that offers added security may be a possibility.
One of the most important advantages of a low interest business credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll be able to pay each month. This is especially important if you’re trying to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards for new businesses. It has many advantages, such as a huge sign up bonus and purchase protection along with travel perks. However, it also has several drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any promotional APR promotions to be found, and the spending limit may be too low for your company. Furthermore, it’s not the most generous points-earning program.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, including liability coverage and primary car rental coverage, and a shopping protection. If you’re a small-sized business owner, you’ll definitely enjoy these benefits.
Moreover to that, the Ink Business Preferred Card is a great method to earn points. Spend in specific categories and you’ll earn three points per dollar. In this case, if you spend $500 on purchases with your card within the first three months, you’ll get a 100,000 point welcome bonus.
Divide
If you’re a startup business owner in search of an enterprise credit card, you may want to look into Divvy. The card comes with a range of advantages and features. It also allows you to track your business expenses.
Divvy works with external accounting software, and allows users to quickly view the financial expenses. You can create budgets, set the limits, and request funds. Additionally, Divvy lets you set the spending limit for your employees.
Divvy also offers corporate cards. These cards look at your company’s finances and determine the amount you can spend each month. Unlike traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards are a way to secure the highest interest rates for business loans, and they can also offer valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and travel and some can be used to to build credit for your business.
There are a myriad of credit card issuers that you can choose from, such as Chase. But, you must consider how you will make use of a particular credit card. It is vital to select the correct business credit card that meets your requirements.
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 it even will pay for employees’ cell phone bills.