For those who are starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is a resounding yes but the process of obtaining a business credit card can be daunting and confusing. Here are some things you need to know about the process of getting an credit card.
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Brex offers a wide variety of financial services, such as corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. Applicants don’t pay interest or offer an individual guarantee. Instead, applicants are assessed on the basis of their business model and spending patterns.
Users can get a 100 percent credit limit. The limit is determined by the amount of money in a customer’s 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 significant rewards on purchases. Brex Travel offers four points for booking travel. You can also receive three points on dining.
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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 host of benefits, including a fixed 1.5 percent cash back rate on all purchases. The card has no annual fees and doesn’t require any other conditions other than having a credit score of at least.
For a business that is just beginning, the benefits of using the low-interest business credit cards could be very appealing. You may also want to consider a business credit card that offers 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 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 provides a wide range of benefits, like a high sign-up bonus, purchase protection, and travel benefits. However, it does have several drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any introductory APR promotions and the spending limit may not be appropriate for your business. Moreover, it’s not the most generous points-earning feature.
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On the other hand it is worth noting that the Ink Business Preferred Card offers numerous other useful features, such as liability insurance as well as primary coverage for car rental as well as a shopping security. As a small-scale company owner, you’ll certainly get these benefits.
Furthermore to that, the Ink Business Preferred Card is an excellent opportunity to earn points. When you spend in certain categories, you’ll earn 3 points for every dollar you spend. For instance, if you charge $500 in purchases to your credit card within the first three months, you’ll receive an initial bonus of 100,000 points.
Divvy is a good option for business owners in the beginning seeking a business card. This card comes with a wide range of advantages and features. You can also track your business expenses with this card.
Divvy can be used alongside any other accounting software to allow users to see their financial expenses. You can then create budget, set limits, and request money. It also lets you set an expense limit for your employees.
Divvy also offers corporate cards. These cards evaluate your business financial situation and help you decide on how much you should spend every month. As opposed to traditional business credit card, Divvy does not require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards can be the opportunity to get the highest interest rates for business loans, and they are also able to provide useful rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash back. Some cards offer rewards for shopping and traveling and others can be used to build your credit score.
There are many credit card issuers that you can select from, including Chase. You must also think about how you will use the credit card. It is crucial to find the right business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. The card is a good option for earning rewards across a variety of categories and even covers mobile phone bills.