For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While 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 learn about getting an credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards spending management, as well as expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. It doesn’t charge interest or need to provide an individual guarantee. Instead, applicants are evaluated by company business model and spending habits.
Applicants can have up to 100 percent credit. This limit is determined by the amount of money in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its limit for spending.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points for booking travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management tool. The card provides a range of advantages, including a fixed 1.5 percent cashback on all purchases. The card does not have annual fees and doesn’t have any other requirements other than an excellent credit score.
For a business that is just beginning, the benefits of using a business credit card with low interest could be very appealing. A business credit card that comes with additional security might be a good option.
A low-interest business credit card are very convenient because you don’t have to worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is particularly applicable if you’re planning to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards designed for entrepreneurs. It offers a range of benefits, such as an excellent sign-up bonus purchase protection, as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR promotions and the spending limit might not be suitable for your business. It’s also not the most effective points-earning program.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, including liability coverage as well as primary coverage for car rental as well as a shopping security. If you’re a small company owner, you’ll certainly get these benefits.
Furthermore that, the Ink Business Preferred Card is an excellent way to earn points. When you spend in specific categories, you’ll earn three points per dollar you spend. In this instance, if you spend $500 on purchases to your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divide
If you’re a new business owner looking for a credit card for business, you may want to consider Divvy. This type of credit card provides numerous advantages and features. It also allows you to keep track of your business expenses.
The Divvy app can be used with any accounting software that allows users to view their financial expenses. The software allows you to set a budget, limit spending and even request money. You can also set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for companies. These cards look at your company’s finances and determine how much you can spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the most favorable interest rates on business loans. They can also offer valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and traveling and others can be used to build your credit score.
There are a myriad of credit card issuers to pick from, including Chase. You should also consider what you intend to do with the credit card. It is important that you select the correct business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card is a great way to earn rewards for various categories of purchases and also protects employees’ mobile phone bills.