For those who are just beginning an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes, but the process of getting a business credit card can be a bit overwhelming and confusing. Here are some things you need to know about the process of applying for an credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards and spend management as well as expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit history. The cardholders don’t have to pay any interest and don’t need to provide personal guarantees. Rather, applicants are evaluated by company business model and spending habits.
Credit limits of up 100 percent are permitted for applicants. The limit is by the amount of money that is in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its limit for spending.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you can get four points on travel booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management tool. The card comes with a range of benefits, including a simple 1.5% cashback rate on all purchases. The card is free of annual fees and does not have any other requirements other than an excellent credit score.
For businesses that are just starting out one of the advantages of using a business credit card with low interest are a great deal. A business credit line with additional security might be an option.
A low-interest business credit cards are very convenient because you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is especially important if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards available to start-up businesses. It has many advantages, such as a huge sign up bonus, purchase protection, along with travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any initial APR offers and the spending limit might not be suitable for your business. This isn’t the most efficient points-earning program.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These perks are perfect for small-scale business owners.
Additionally it is worth noting that the Ink Business Preferred Card is a great opportunity to earn points. When you spend in certain categories, you’ll earn three points for every dollar you spend. In this case when you spend $500 on purchases made with your card within the first three months, you will receive a 100,000-point welcome bonus.
Divide
If you’re a business owner in search of a business credit card You might want to look into Divvy. This type of card comes with various benefits and features. You can also track your business expenses with this card.
Divvy can be used with accounting software that allows users to easily view the financial expenses. You can then create a budget, set limits, and request money. Divvy also allows you to set the spending limit for your employees.
Divvy also has a corporate card. These cards evaluate your business’ finances and help you decide how much money you should spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be a way to secure the best rates of interest on business loans, and can also provide valuable rewards. For instance the Chase Ultimate Rewards business credit card offers bonus points that could be converted to cash back. Certain cards provide rewards for shopping and traveling while others can be used to boost your credit score.
Aside from the best business credit cards offered by Chase, there are other credit card issuers that you can use. You should also think about how you will use the credit card. It is important to select a business credit card that suits your particular needs.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card offers solid rewards for various purchase categories and even covers employees’ mobile phone bills.