For those who are just beginning a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” While the answer is yes but it can be daunting and confusing to apply for an enterprise credit card. Here are a few things you should know about the process of applying for a credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit history. Applicants don’t pay interest or provide a personal guarantee. Rather, applicants are evaluated by the company’s business model and spending habits.
Credit limits of up to 100 percent are permissible for applicants. 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.
You can earn significant rewards with the Brex Corporate credit card. Brex Travel offers four points when you book 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 also be used as a spending management tool. The card comes with a variety of benefits, including a flat 1.5 percent cash back rate on all purchases. The card doesn’t have annual fees and doesn’t require any other requirements other than having a credit score of at least.
A low-interest business credit line is a great option for new businesses. A business credit card with added security may be a good option.
A low-interest business credit cards are very convenient because you’re not juggling the hassle of managing multiple credit cards or worrying about how much you can manage each month. This is especially applicable if you’re planning to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for startups. It has many advantages, including a large reward for signing up as well as purchase protection as well as travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any promotional APR promotions and the spending limit might not be suitable for your business. It’s also not the best points-earning feature.
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On the other hand, the Ink Business Preferred Card offers several other valuable features, including liability coverage, primary car rental coverage and a shopping insurance. As a small-scale business owner, you’ll surely enjoy these benefits.
Additionally to that, the Ink Business Preferred Card is a great way to earn points. When you spend in specific categories, you can earn three points for every dollar you spend. In this instance the case of spending $500 on purchases on your card within the first three months, you will receive a 100,000-point welcome bonus.
Divvy
If you’re a new business owner in search of a business credit card you might want think about Divvy. This type of card offers numerous benefits and features. It also allows you to track your business expenses.
Divvy can be integrated with any accounting software that allows users to see their financial expenses. The program lets you create a budget, restrict spending and request money. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also has a corporate card. These cards evaluate your business’s finances and determine the amount you’ll need to spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to know the interest rate for the company before you make an application.
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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. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash or cash back. Some cards offer rewards for shopping and travel and some can be used to build your business’s credit.
Aside from the best business credit cards offered by Chase but there are many other credit card issuers are available to. You should also think about how you will use the credit card. It is important that you find the right corporate credit card for your requirements.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent option. This card provides solid rewards on a variety of purchase categories, and it even covers cell phone bills.