For those that are starting a business, 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 obtaining an official business credit card can be a bit overwhelming and confusing. Here are a few tips to be aware of the process of getting credit card.
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Brex 30
Brex offers a variety of financial services like corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups build their credit score. The applicants don’t have to pay interest or have to provide personal guarantees. Instead, applicants are rated by the company’s business model and spending patterns.
The applicants can enjoy up to a 100 percent credit limit. This limit is determined by the amount a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card You can earn rewards on purchases. For instance, you’ll earn four points on travel booked through Brex Travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as an expense management tool. It comes with a myriad of benefits, including a fixed 1.5 percent cash back rate on all purchases. The card doesn’t have annual fees and does not have any other qualifications other than having a high credit score.
For businesses that are just starting out benefiting from a business credit card that is low-interest can be extremely appealing. It is also possible to think about a business credit card which offers additional security.
One of the key advantages of a low interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about the amount you can afford to pay off every month. This is especially relevant if you’re trying to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards for startups. It offers a range of advantages, including a high sign-up bonus, purchase security, and travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any introductory APR promotions available, and the spending limit may be too low for your company. It’s also not the best point-earning option.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features like liability insurance and primary coverage for car rentals shopping protection, and primary car rental coverage. These perks are perfect for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and earn three points per dollar. For instance, if you charge $500 on purchases to your card in the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
Divide
If you’re a new business owner looking for a credit card for business, you may want to look into Divvy. This card comes with a wide range of benefits and features. You can also monitor your business expenses with this card.
Divvy works with external accounting software, and allows users to easily monitor financial expenses. You can then create budgets, set the limits, and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. These cards assess your business’ finances and help you decide how much money you’ll need to invest every month. In contrast to traditional business credit cards, Divvy is not a requirement for personal guarantees.
However, Divvy does not disclose any interest rates on its website. It is crucial to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards provide a way to secure the best rates of interest on business loans. They can also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Some cards offer rewards for shopping and traveling as well as other cards that can be used to build your business’s credit.
Apart from the top business credit cards from Chase but there are many other credit card issuers you can choose from. However, you must think about the manner in which you use a particular credit card. It is important that you locate the best business credit card for your requirements.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card a great option. The card provides solid rewards for various purchase categories and even protects employees’ mobile phone costs.