For those that are starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of applying for an official business credit card can be a bit overwhelming and confusing. Here are some things to know about how to get the credit card you need.
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Brex offers a variety of financial products, including corporate credit cards spending management, as well as expense management software. Brex offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is an credit card that assists entrepreneurs build credit histories. Applicants don’t pay interest or have to provide an individual guarantee. Instead, applicants are assessed by the business model of the company and spending patterns.
Credit limits of up 100 percent are permitted for applicants. The limit is based on the amount of money that is in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its limit for spending.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you’ll earn four points on travel booked through Brex Travel. Additionally, you can earn 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 spending management tool. The card comes with a variety of benefits including a flat 1.5% cash back rate on all purchases. There are no annual fees, and the card doesn’t have other requirements, aside from a good credit score.
If you are a new business one of the advantages of using a low-interest business credit card could be very appealing. You may also want to think about a business credit card that offers additional protection.
One of the key benefits of a business low-interest credit card is that you don’t have to worry about juggling multiple cards or worrying about the amount you can afford to pay off every month. This is particularly true if you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for new companies. It offers many benefits, including a high sign-up bonus, purchase protection, along with travel perks. It has some downsides.
The Ink Business Preferred Card may not be ideal. There aren’t any promotional APR promotions to be found, and the spending limit could be too low for your business. It’s also not the most effective point-earning option.
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On the other hand however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage and primary car rental coverage as well as a shopping security. If you’re a small-sized business owner, you’ll surely enjoy these benefits.
The Ink Business Preferred Card is another excellent method to earn points. If you make purchases in certain categories, you can earn three points per dollar you spend. For instance, if charge $500 in purchases to your credit card within the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
If you’re a startup business owner in search of a business credit card You might want to look into Divvy. The card comes with a range of benefits and features. It also lets you keep track of your business expenses.
Divvy can be integrated with any external accounting software that allows users to look at their financial expenses. You can then create budgets, set limits, and request funds. You can also set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card. The cards analyze your company’s finances and determine the amount you’ll have to spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards offer an opportunity to secure the most favorable interest rates on business loans, and they can also offer useful rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash back. Some cards offer rewards for shopping and travel while others are able to help build your credit score.
There are a myriad of credit card issuers to select from, including Chase. You should also consider how you will use the credit card. It is important that you locate the best business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card offers solid rewards for a variety of purchase categories and even protects employees’ mobile phone bills.