For those who are just beginning the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes but the process of obtaining an enterprise credit card can be daunting and confusing. Here are some points you should be aware of about the process of getting an credit card.
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Brex offers a variety of financial services , including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups, is an account that helps startups build their credit history. The cardholders don’t have to pay any interest or provide an individual guarantee. Instead applicants are evaluated based on their financial model and spending habits.
Users can get 100 percent credit. The limit is determined by the amount the customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards when you use a Brex Corporate credit card. Brex Travel offers four points for booking travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as an expense management tool. The card provides a range of benefits, including a flat 1.5% cashback rate on all purchases. The card has no annual fees and doesn’t have any other qualifications other than having a high credit score.
For a startup business benefiting from a business credit card with low interest could be very appealing. A business credit card with additional protection may be an option.
One of the most important benefits of a business low-interest credit card is that you don’t need to worry about managing multiple cards or worrying about how much you can afford to pay each month. This is especially important if you’re trying to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for new businesses. It offers a variety of benefits, including the highest sign-up bonus, purchase protection, as well as travel perks. However, it also has several drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR promotions to be found and the spending limit could be too low for your business. Furthermore, it’s not the most generous points-earning feature.
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On the other hand it is worth noting that the Ink Business Preferred Card offers several other valuable features, including liability coverage as well as primary coverage for car rental and a shopping protection. As a small-scale company owner, you’ll certainly benefit from these benefits.
Moreover that, the Ink Business Preferred Card is a great way to earn points. Spend in certain categories and earn 3 points for every dollar. In this example, if you spend $500 on purchases made with your card within the first three months, you’ll receive a 100,000 point welcome bonus.
If you’re a business owner in search of an account for business credit you might want think about Divvy. This card comes with a wide range of benefits and features. You can also track your business expenses with this card.
Divvy can be used with any external accounting software to allow users to monitor their financial expenses. The software allows you to make a budget, limit spending, and request funds. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards evaluate your business finances and assist you to decide on how much you’ll need to 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 essential to know the interest rate of the company prior to you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure most competitive rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash or cash back. Certain cards provide rewards for shopping and traveling while others can be used to boost your credit score.
Apart from the top business credit cards offered by Chase, there are other credit card issuers you can turn to. You must also think about the way you intend to use the credit card. It is important to find the right business credit card that is suitable for your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. The card gives you solid rewards on a variety of purchase categories as well as covers employees’ cell phone bills.