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?” Although the answer is yes it can be difficult and confusing to apply for a business credit card. Here are some tips to know about how to get the credit card you need.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards and spend management as well as expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, or Brex for Startups, is an account 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.
Customers can get up to a 100 percent credit limit. The limit is determined by the amount of money that a customer has 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 substantial rewards on purchases. For instance, you could earn four points on travel booked through Brex Travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spending management tool. It comes with a myriad of benefits including a flat 1.5 percent cash-back rate on all purchases. The card is free of annual fees and doesn’t have any other conditions other than having a high credit score.
For businesses that are just starting out it is possible to reap the benefits of a business credit card that is low-interest are a great deal. It is also possible to think about a business credit card with additional protection.
A business credit card with a low-interest rate are very convenient because you don’t have to worry of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards designed for entrepreneurs. It comes with a variety of advantages, including a large initial bonus along with purchase protection, and travel perks. However, it does have some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any APR introductory promotions available, and the spending limit could be too low for your business. Furthermore, it’s not the most generous points-earning option.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance, primary car rental coverage and a shopping insurance. As a small business owner, you’ll definitely enjoy these benefits.
Moreover that, 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 instance, if charge $500 on purchases to your card during the first three months, you’ll get an initial bonus of 100,000 points.
Divide
The Divvy card is a great choice for business owners in the beginning looking for a business card. This type of credit card provides numerous benefits and features. It also allows you to keep track of your business expenses.
Divvy integrates with other accounting software and enables users to view their the financial expenses. You can create a budget, set limits, and request funds. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. The cards analyze your company’s finances and determine how much you’ll need 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. It is important to know the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the most competitive rates of interest for business loans. They also offer rewards. For instance the Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash back. Some cards offer rewards for purchases and travel while others can be used to build your credit score.
There are a myriad of credit card issuers you could choose from, including Chase. You should also think about how you will use the credit card. It is essential to locate the best corporate credit card for your requirements.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card a great option. This card gives you solid rewards for a variety of purchase categories and even protects employees’ mobile phone bills.