For those who are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of obtaining an official business credit card can be daunting and confusing. Here are some things to be aware of when applying for the credit card you need.
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Brex 30
Brex provides a broad range of financial services, including corporate credit cards and spend management as well as expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that helps entrepreneurs build credit histories. It doesn’t charge interest and don’t need to offer personal guarantees. Instead the applicants are evaluated based on their budget and business model.
Users can get 100 percent credit limit. The limit is determined by the amount of money customers have in their 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. Brex Travel offers four points when you book travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as an expense management tool. The card comes with a range of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual fees, and the card doesn’t have any other requirements except for having a credit score of at least.
A business credit card with a low-interest rate is a great option for businesses that are just starting out. A business credit card that offers additional protection may be a good option.
Business credit cards with low interest are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you’ll have to pay each month. This is especially 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 designed for entrepreneurs. It comes with a range of benefits, like an impressive sign-up bonus, purchase protection, and travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promotions to be found and the spending limit could be too low for your business. It’s also not the most effective points-earning program.
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On the other side the Ink Business Preferred Card offers numerous other useful features, including liability coverage as well as primary coverage for car rental and a shopping insurance. These perks are great for small-scale business owners.
Additionally, the Ink Business Preferred Card is an excellent opportunity to earn points. When you spend money in certain categories, you’ll earn 3 points for every dollar you spend. For example, if you charge $500 in purchases to your credit card within the first three months, you’ll get the welcome bonus of 100,000 points.
Divide
If you’re a new business owner in search of a credit card for business you might want consider Divvy. This card has a variety of benefits and features. It also allows you to track your business expenses.
Divvy is compatible with external accounting software that allows users to view their the financial expenses. You can create budgets, set the limits, and request money. You can also set the spending limit for your employees.
Divvy also has a corporate card. These cards assess your business’ finances and help you determine how much you can 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 crucial to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure highest rates of interest for business loans and offer valuable rewards. For example one card, the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Certain cards provide rewards for shopping and traveling while others are able to help build your credit score.
There are a myriad of credit card issuers that you can pick from, including Chase. However, you should think about the way you intend to use a particular credit card. It is crucial to select the correct business credit card that meets your needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card gives you solid rewards for various purchase categories and even protects employees’ mobile phone expenses.