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?” Although there is a yes answer, it can be confusing and overwhelming to apply for an enterprise credit card. Here are a few things to learn about getting the credit card you need.
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Brex 30
Brex provides a range of financial products, including corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is an account that helps startups build their credit history. Applicants don’t pay interest and don’t need to provide a personal guarantee. Rather, applicants are evaluated by company business model and spending patterns.
Customers can get up to 100 percent credit limit. This limit is determined based on the amount of money that is in the 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 rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card as well as a spending management system. It comes with a myriad of benefits, including a flat 1.5% cash back rate on all purchases. There are no annual fees, and the card does not have other requirements, aside from a good credit score.
A business credit card with low interest is a great option for new businesses. It is also possible to look into a credit card for business with additional protection.
Business credit cards with low interest are extremely convenient since you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you’ll be able to afford each 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 most sought-after business credit cards that are designed for startups. It provides a wide range 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 may not be perfect. There aren’t any introductory APR promotions and the spending limit might not be suitable for your business. In addition, it’s not exactly the most generous points-earning option.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, such as liability coverage as well as primary car rental coverage shopping protection, and primary coverage for car rentals. If you’re a small-sized company owner, you’ll certainly get these benefits.
Moreover, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if add $500 worth of purchases to your card in the first three months, you’ll get an initial bonus of 100,000 points.
Divide
If you’re a startup business owner in search of an account for business credit, you may want to think about Divvy. This type of card comes with numerous advantages and features. It also allows you to monitor your business expenses.
Divvy is compatible with any external accounting software that allows users to monitor their financial expenses. You can then create budgets, set the limits, and request money. Additionally, Divvy lets you set an expense limit for your employees.
Divvy also has a corporate card. These cards assess your company’s financial situation and decide on how much you’ll have to spend every month. Unlike traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to be aware of the company’s rates before you apply.
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Chase Ultimate Rewards
Business credit cards are the chance to secure best interest rates on business loans. They are also able to provide useful rewards. For instance, a Chase Ultimate Rewards business credit card can earn bonus points that can translate to cash back. Some cards offer rewards for shopping and travel and others can be used to build your credit score.
There are a myriad of credit card issuers that you can pick from, including Chase. But, you must consider the ways you will utilize a specific credit card. It is vital to find the right business credit card for your needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card offers solid rewards on different categories of purchases as well as covers employees’ cell phone bills.