If you’re thinking of starting a business, the most important thing to consider is “Can I get my business credit card?” Although there is a yes answer but it can be daunting and confusing to apply for a business credit card. Here are a few things to be aware of before obtaining the credit card you need.
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Brex 30
Brex provides a range of financial services , including corporate credit cards as well as spend management and expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is a credit card that helps startups build their credit history. The applicants don’t pay interest or provide a personal guarantee. Instead applicants are evaluated based on their company’s business model and spending habits.
Applicants can have up to a 100 percent credit limit. This limit is determined by the amount of cash in the customer’s Brex Cash account. Each day, the Brex Card draws from the account to determine the limit of its spending.
With a Brex Corporate Credit Card You can earn rewards on purchases. For example, you can get four points on travel booked through Brex Travel. Additionally, you can earn three points on 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 budget management tool. The card comes with a range of benefits, including a simple 1.5% cashback rate on all purchases. The card does not have annual charges and doesn’t need any other qualifications other than a good credit rating.
For a startup business it is possible to reap the benefits of a business credit card that is low-interest could be very appealing. A business credit card that comes with additional protection may be an option.
A low-interest business credit cards are extremely convenient since you’re not burdened with the stress of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is particularly relevant if you’re trying to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards available to start-up companies. It offers a variety of benefits, such as the highest sign-up bonus, purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR offers and the spending limit may not be appropriate for your company. It’s also not the most generous points-earning option.
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The Ink Business Preferred Card, on the other hand, offers many other useful features such as liability coverage as well as primary coverage for car rentals shopping protection, and primary coverage for rental cars. These perks are great for small business owners.
Moreover, the Ink Business Preferred Card is a great method to earn points. When you spend in specific categories, you’ll earn 3 points per dollar you spend. For example, if you charge $500 in purchases to your credit card within the first three months, then you’ll be rewarded with the welcome bonus of 100,000 points.
Divvy
Divvy is a good option for entrepreneurs who are starting their business and seeking an business card. This card offers a variety of benefits and features. It also lets you keep track of your business expenses.
Divvy can be used with accounting software that allows users to easily view financial expenses. The program lets you create a budget, restrict spending and even request money. It also lets you set an amount of money you can spend for your employees.
Divvy also has corporate cards. The cards analyze your company’s financial situation and decide on how much you should spend every month. In contrast to traditional business credit cards, Divvy does NOT require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the highest interest rates for business loans and provide valuable rewards. For example, a Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash back. Certain cards provide rewards for travel and shopping and others can be used to build your credit score.
In addition to the top business credit cards from Chase and other credit card issuers you can use. You should also consider how you will use the credit card. It is essential to select the correct business credit card that meets your needs.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card a great option. This card gives you solid rewards across a variety of categories and even covers mobile phone bills.