For those that are starting the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes but the process of getting an official business credit card can be daunting and confusing. Here are a few things you need to know about the process of applying for the credit card.
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Brex provides a range of financial services like corporate credit cards, spend management and expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit score. Applicants don’t pay interest or need to provide an individual guarantee. Instead, applicants are evaluated by the company’s business model and spending habits.
Users can get 100 percent credit. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points for booking travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spend management tool. It comes with a myriad of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and does not have any other conditions other than an excellent credit score.
For businesses that are just starting out one of the advantages of using a low-interest business credit card are a great deal. A business credit card that offers additional protection may be a possibility.
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 can afford each month. This is particularly relevant if you’re trying to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards designed for entrepreneurs. It offers 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 ideal. There are no introductory APR promotions to be found and the spending limit may be too low for your company. In addition, it’s not exactly the most generous points-earning program.
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On the other side the Ink Business Preferred Card offers several other valuable features, such as liability insurance and primary car rental coverage as well as a shopping security. 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 certain categories, you can earn three points per dollar you spend. In this case the case of spending $500 on purchases on your card within the first three months, you’ll receive a 100,000 point welcome bonus.
Divvy is an excellent choice for startup business owners seeking an enterprise card. This card comes with a wide range of benefits and features. You can also keep track of your business expenses by using this card.
Divvy integrates with other accounting software that allows users to easily monitor financial expenses. The program allows you to make a budget, limit spending and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also has corporate cards. These cards review your company finances and assist you to decide how much money you’ll need to spend every month. As opposed to traditional business credit card, Divvy doesn’t require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the highest interest rates for business loans, and they can also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Some cards offer rewards for shopping and traveling, while others can be used to improve your credit score.
There are a myriad of credit card issuers you can select from, including Chase. You must also think about what you intend to do with the credit card. It is essential to select the correct business credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card provides solid rewards on different categories of purchases as well as protects employees’ mobile phone bills.