For those who are starting an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer but it can be challenging and overwhelming to apply for a business credit card. Here are some tips to be aware of when applying for credit card.
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Brex provides a range of financial services including corporate credit cards spending management, as well as expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build their credit history. The applicants don’t have to pay interest or offer an individual guarantee. Rather, applicants are evaluated by the business model of the company and spending habits.
Users can get 100 percent credit limit. The limit is determined by the amount of money that is in a customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card, you can earn valuable 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 complete small business credit card and spending management solution. It comes with a myriad of benefits, including a fixed 1.5 percent cash back rate on all purchases. There are no annual charges, and the card does not have other requirements, aside from an excellent credit score.
A low-interest business credit line is a great option for those who are just starting out. You may also consider a business credit card that offers additional protection.
One of the main benefits of a business low-interest credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you can afford to pay off each month. This is particularly 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 that are designed for startups. It comes with a range of advantages, including the highest sign-up bonus, purchase protection, and travel benefits. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions to be found and the spending cap may be too low for your company. Furthermore, it’s not the most generous point-earning system.
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The Ink Business Preferred Card, on the other hand, offers many other useful features such as liability coverage, primary car rental coverage shopping protection, as well as primary coverage for rental cars. These benefits are perfect for small-scale business owners.
Moreover it is worth noting that the Ink Business Preferred Card is a great method to earn points. When you spend in specific categories, you can earn three points for every dollar you spend. In this example the case of spending $500 on purchases on your card in the first three months, you will be awarded a 100,000 points welcome bonus.
If you’re a startup business owner in search of an account for business credit, you may want to think about Divvy. This type of card comes with numerous benefits and features. It also allows you to monitor your business expenses.
Divvy can be integrated with any accounting software that allows users to view their financial expenses. The software allows you to create a budget, restrict spending and even request money. 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 every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the best interest rates on business loans. They are also able to provide useful rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Certain cards provide rewards for purchases and travel as well as others that can be used to improve your credit score.
There are a variety of credit card issuers to choose from, such as Chase. You should also think about the method of use for the credit card. It is important to find the best business credit card that will meet your specific needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card an excellent option. The card is a good option for earning rewards for a variety of purchase categories and even will pay for employees’ mobile phone bills.