For those who are starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is a resounding yes, but the process of obtaining the business credit card could be overwhelming and confusing. Here are some points you should be aware of about the process of getting credit card.
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Brex offers a variety of financial services , including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an account that helps startups establish their credit history. Applicants don’t pay interest or have to provide an individual guarantee. Instead, applicants are evaluated by the company’s business model and spending habits.
Customers can get up to 100 percent credit. This limit is determined by the amount of money the customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
With a Brex Corporate Credit Card You can earn rewards on purchases. For instance, you could get four points on travel booked through Brex Travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management system. It offers a wide range of benefits, including a flat 1.5% cashback rate on all purchases. The card is free of annual charges and doesn’t need any other qualifications other than an excellent credit score.
For businesses that are just starting out benefiting from a low-interest business credit card can be extremely appealing. You might also 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 the worry of managing multiple credit cards or worrying about how much you can manage each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards designed for entrepreneurs. It has many benefits, including a substantial reward for signing up and purchase protection along with travel perks. It has some downsides.
The Ink Business Preferred Card may not be the perfect choice for your business. There are no introductory APR promotions to be found and the spending cap may be too low for your company. Furthermore, it’s not the most generous points-earning option.
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On the other side however, the Ink Business Preferred Card offers several other valuable features, including liability coverage and primary car rental coverage and a shopping protection. As a small company owner, you’ll certainly benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in specific categories, you’ll earn 3 points for every dollar you spend. For example, if you make a purchase of $500 to your credit card during the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divvy is an excellent choice for entrepreneurs who are starting their business and seeking an enterprise card. The card comes with a range of advantages and features. It also lets you keep track of your business expenses.
Divvy is compatible alongside any other accounting software to allow users to look at their financial expenses. The software allows you to create a budget, restrict spending and even request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards review your company’ finances and help you decide on how much you’ll need to invest 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’s essential to be aware of the company’s rates before applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest rates of interest on business loans and offer valuable rewards. For example, a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Certain cards provide rewards for travel and shopping as well as other cards that can be used to help increase your business’s credit.
Aside from the best business credit cards offered by Chase but there are many other credit card issuers that you can turn to. However, you should consider the ways you will use a particular credit card. It is vital to find the right business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. The card provides solid rewards for a variety of purchase categories and even covers mobile phone costs.