For those who are just beginning a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes but it can be challenging and overwhelming to apply for a business credit card. Here are a few points you should be aware of about the process of getting the credit card.
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Brex 30
Brex provides a range of financial services , including corporate credit cards, spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit score. It doesn’t charge interest or need to provide personal guarantees. Instead, applicants are rated by the company’s business model and spending habits.
Users can get 100 percent credit limit. The limit is determined by the amount customers have in their Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn rewards when you use the Brex Corporate credit card. 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 benefits, including a flat 1.5% cashback rate on all purchases. There are no annual charges, and the card doesn’t require other requirements other than having a credit score of at least.
A business credit card with low interest is a great choice for new businesses. A business credit card with additional security might be a possibility.
A business credit card with a low-interest rate are very convenient because you’re not juggling the hassle of managing multiple credit cards or worrying about how much money you’ll have to pay each month. This is especially true if you’re looking to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards for new businesses. It has many advantages, including a large reward for signing up, purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any promotional APR promotions to be found and the spending cap could be too low for your company. It’s also not the best points-earning strategy.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage as well as primary coverage for car rental and a shopping protection. If you’re a small-sized business owner, you’ll definitely benefit from these perks.
Additionally it is worth noting that the Ink Business Preferred Card is an excellent way to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if you charge $500 on purchases to your credit card within the first three months, then you’ll be rewarded with an initial bonus of 100,000 points.
Divvy
If you’re a startup business owner looking for a credit card for business you might want consider Divvy. This type of card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy integrates with other accounting software, allowing users to quickly view financial expenses. The program allows you to create a budget, restrict spending, and request funds. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards analyze your business’ finances and help you decide how much money you’ll need to 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’s essential to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to get the most competitive rates of interest on business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash or cash back. Certain cards provide rewards for shopping and traveling and others are able to help build your credit score.
There are numerous credit card issuers to choose from, including Chase. But, you must consider the way you intend to use a particular credit card. It is crucial to select the correct business credit card to meet your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card a great option. The card is a good option for earning rewards across a variety of categories and even will pay for employees’ mobile phone costs.