If you are thinking of starting a business, the most important question is “Can I get my business credit card?” While the answer is yes, it can be difficult and confusing to apply for a business credit card. Here are a few points you should be aware of about the process of applying for a credit card.
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Brex 30
Brex provides a range of financial services like corporate credit cards, spend management and expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups establish their credit histories. It doesn’t charge interest and don’t need to provide a personal guarantee. Instead, applicants are evaluated on their business model and their spending habits.
Credit limits of up 100 percent are available to applicants. The limit is determined by the amount of money that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use a Brex Corporate credit card. Brex Travel offers four points for booking 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 budget management tool. The card comes with a range of advantages, including a fixed 1.5% cashback rate on all purchases. There are no annual fees and the card does not have other requirements, aside from an excellent credit score.
If you are a new business one of the advantages of using the low-interest business credit cards are a great deal. You might also consider a business credit card with additional protection.
One of the primary 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 off each month. This is particularly applicable if you’re planning to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards for new businesses. It provides a wide range of benefits, including an excellent sign-up bonus purchase protection, and travel benefits. However, it does have some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. 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 point-earning system.
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The Ink Business Preferred Card, however, offers many other useful features, including liability coverage and primary car rental coverage, shopping protection, and primary coverage for car rentals. As a small-scale business owner, you’ll definitely get these benefits.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in certain categories, you’ll earn three points for every dollar you spend. For instance, if add $500 worth of purchases to your card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divide
If you’re a start-up business owner in search of a business credit card You might want to think about Divvy. This kind of card comes with various advantages and features. You can also monitor your business expenses with this card.
Divvy can be used with any external accounting software that allows users to monitor their financial expenses. You can then create budgets, set maximum limits and request money. Divvy also allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards assess your business finances and assist you to decide what amount of money you should spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure best rates of interest on business loans, and they can also offer valuable rewards. For example a Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Some cards offer rewards for shopping and traveling while others can be used to help increase your business’s credit.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers that you can turn to. But, you must consider the ways you will make use of a particular credit card. It is essential to find the right corporate credit card for your needs.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card a great option. This card is a great way to earn rewards on various purchase categories as well as protects employees’ mobile phone bills.