For those who are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While there is a yes answer, it can be difficult and confusing to apply for a business credit card. Here are some things you need to know about the process of obtaining an credit card.
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Brex 30
Brex offers a wide variety of financial services, such as corporate credit cards and spend 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 that can help entrepreneurs build credit histories. It doesn’t charge interest or have to provide an individual guarantee. Instead, applicants are evaluated by the business model of the company and spending habits.
Customers can get up to 100 percent credit. This limit is based on the amount of money that is in a customer’s 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 significant rewards on purchases. For example, you can earn four points on trips booked through Brex Travel. You can also get three points for dining.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and a spend management tool. It offers a wide range of benefits, including a flat 1.5 percent cashback rate on all purchases. There are no annual fees, and the card doesn’t require other requirements aside from an excellent credit score.
For a business that is just beginning, the benefits of using a business credit card that is low-interest can be extremely appealing. You may also look into a credit card for business that offers additional protection.
One of the key features of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about the amount you can afford to pay each month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards designed for entrepreneurs. It offers many benefits, including a substantial sign-up bonus, purchase protection, along with travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any introductory APR promotions to be found, and the spending cap could be too low for your business. It’s also not the most effective points-earning feature.
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On the other hand however, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance and a shopping protection. If you’re a small business owner, you’ll definitely benefit from these perks.
Furthermore, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in certain categories and earn 3 points for every dollar. For instance, if you charge $500 in purchases to your card during the first three months, then you’ll be rewarded with the welcome bonus of 100,000 points.
Divvy
If you’re a business owner looking for an account for business credit You might want to think about Divvy. This type of card offers various benefits and features. It also allows you to track your business expenses.
Divvy integrates with other accounting software, and allows users to view their financial expenses. You can create budgets, set limits, and request funds. It also lets you set the spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards evaluate your business’s financial situation and decide on how much you can spend every 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 essential to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards offer the chance to secure highest interest rates for business loans, and they are also able to provide useful rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash or cash back. Some cards offer rewards for shopping and travel as well as others that can be used to improve your credit score.
There are a myriad of credit card issuers to select from, including Chase. But, you must consider the way you intend to use a particular credit card. It is crucial to choose the right business credit card that is suitable for your specific requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card offers solid rewards across a variety of categories and even will pay for employees’ mobile phone bills.