For those who are starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although there is a yes answer but it can be difficult and confusing to apply for a business credit card. Here are some things you should know about the process of getting an credit card.
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Brex 30
Brex provides a range of financial services like corporate credit cards, spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that helps startups build their credit history. It doesn’t charge interest and don’t have to offer a personal guarantee. Instead, applicants are evaluated on their company’s business model and spending habits.
Credit limits up to 100 percent are permitted for applicants. The limit is determined by the amount of money that a customer has in their Brex Cash account. Each day the Brex Card draws from the account to determine the limit of its spending.
You can earn rewarding rewards using the Brex Corporate credit card. Brex Travel offers four points for booking travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management system. It comes with a myriad of benefits including a flat 1.5 percent cash back rate on all purchases. There are no annual charges, and the card doesn’t have other requirements, aside from having a high credit score.
For a business that is just beginning benefiting from a low-interest business credit card could be very appealing. It is also possible to look into a credit card for business which offers additional security.
One of the main advantages of a low interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll be able to pay off each month. This is especially relevant if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards that are designed for startups. It offers a range of advantages, including an excellent sign-up bonus purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions and the spending limit might not be suitable for your business. In addition, it’s not exactly the most generous point-earning system.
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The Ink Business Preferred Card, however provides a range of useful features like liability insurance, primary car rental coverage shopping protection, as well as primary car rental coverage. As a small-scale business owner, you’ll definitely enjoy these benefits.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in specific categories, you can earn three points per dollar you spend. For instance, if charge $500 in purchases to your card in the first three months, you’ll receive an offer of 100,000 points.
Divide
Divvy is an excellent choice for business owners in the beginning looking for an enterprise card. This card comes with a wide range of benefits and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software, and allows users to view their financial expenses. The program lets you set a budget, limit spending, and request funds. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards look at your company’s finances and determine the amount you’ll have to spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards provide an opportunity to secure the highest interest rates for business loans. They can also offer useful rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted into cash or cash back. Certain cards provide rewards for shopping and travel and some can be used to help to build credit for your business.
Apart from the top business credit cards from Chase, there are other credit card issuers that are available to. However, you should consider the ways you will utilize a specific credit card. It is important to find the right business credit card that will meet your particular needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card an excellent option. The card gives you solid rewards on different categories of purchases as well as will pay for employees’ cell phone bills.