If you’re starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes however the process of obtaining a business credit card can be daunting and confusing. Here are some things you need to know about the process of applying for credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build their credit history. It doesn’t charge interest or require personal guarantees. Instead, applicants are rated by the company’s business model and spending habits.
Applicants can have up to 100 percent credit limit. The limit is determined by the amount that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points to book travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card as well as a spending management system. It offers a wide range of advantages, including a fixed 1.5 percent cashback rate on all purchases. The card is free of annual fees and doesn’t have any other requirements than a good credit rating.
For a business that is just beginning benefiting from a business credit card that is low-interest are a great deal. You may also look into a business credit card with additional protection.
One of the main benefits of a business low-interest credit card is that you don’t have to worry about managing multiple cards or worrying about the amount you can afford to pay every month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards designed for entrepreneurs. It comes with a variety of benefits, including a high initial bonus, purchase protection, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR offers and the spending limit may not be appropriate for your business. Moreover, it’s not the most generous points-earning program.
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The Ink Business Preferred Card, however it offers a number of additional useful features like liability insurance primary car rental coverage shopping protection, and primary coverage for car rentals. These perks are perfect for small-scale business owners.
Furthermore 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 instance, if you spend $500 on purchases with your card in the first three months, you will be awarded a 100,000 points welcome bonus.
Divvy
The Divvy is a great option for entrepreneurs who are starting their business and looking for an business card. This card has a variety of benefits and features. You can also keep track of your business expenses by using this card.
Divvy can be used with any accounting software to allow users to view their financial expenses. You can create a budget, set maximum 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 corporate customers. These cards analyze your business finances and assist you to determine how much you’ll need to invest every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest interest rates for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and travel as well as others that can be used to build your credit score.
Apart from the top business credit cards from Chase, there are other credit card issuers that you can choose from. However, you must think about the way you intend to make use of a particular credit card. It is vital to select the correct business credit card to meet your needs.
Small business owners will find the Ink Business Preferred(r) Credit Card a great option. The card provides solid rewards across a variety of categories and even covers mobile phone bills.