If you’re thinking of starting a business, the most important question you should ask yourself is “Can I get my business credit card?” Although the answer is yes it can be daunting and confusing to apply for a business credit card. Here are a few things to be aware of when applying for the credit card you need.
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Brex 30
Brex offers a variety of financial services , including corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution to startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups build their credit history. It doesn’t charge interest or provide personal guarantees. Rather, applicants are evaluated by the company’s business model and spending patterns.
Credit limits of up 100 percent are allowed for applicants. This limit is determined by the amount of money 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 the Brex Corporate credit card. For example, you can earn four points when you travel booked through Brex Travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spend management tool. The card comes with a host of benefits, including a fixed 1.5 percent cash-back rate on all purchases. There are no annual fees and the card doesn’t have other requirements other than having a credit score of at least.
A low-interest business credit card is a great choice for new businesses. A business credit line with additional security might be a viable option.
One of the main features 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 off every month. This is especially applicable if you’re planning to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards that are designed for startups. It comes with a variety of advantages, such as a huge sign-up bonus and purchase protection and travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR promotions available, and the spending cap could be too low for your company. It’s also not the most generous points-earning feature.
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On the other side it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, including liability coverage in addition to primary car rental insurance as well as a shopping security. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in certain categories, you’ll earn three points per dollar you spend. For example, if you add $500 worth of purchases to your credit card during the first three months, you’ll receive an offer of 100,000 points.
Divide
The Divvy card is a great choice for business owners who are just starting out looking for business cards. The card comes with a range of benefits and features. It also allows you to keep track of your business expenses.
Divvy integrates with other accounting software, and allows users to quickly view the financial expenses. You can create budget, set limits, and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards assess your business’ finances and help you decide on how much you should spend each month. Divvy does not 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 before applying.
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Chase Ultimate Rewards
Business credit cards provide the chance to secure best rates of interest on business loans. They can also offer useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Some cards offer rewards for shopping and traveling, and others can be used to improve your company’s credit score.
Aside from the best business credit cards from Chase but there are many other credit card issuers that you can turn to. You should also consider what you intend to do with the credit card. It is vital to select the correct business credit card for your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card offers solid rewards for a variety of purchase categories and even protects employees’ mobile phone expenses.