If you are thinking of creating your own business, the most important thing to consider is “Can I get my business credit card?” Although there is a yes answer, it can be challenging and overwhelming to apply for an enterprise credit card. Here are some things you need to know about how to get a credit card.
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Brex provides a range 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 known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. The applicants don’t have to pay interest or provide a personal guarantee. Instead the applicants are evaluated based on their business model and their spending habits.
Credit limits of up to 100 percent are permitted for applicants. This limit is determined by the amount of money that is in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card You can earn rewards on purchases. For instance, you can earn four points when you travel booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spend management tool. The card comes with a host of benefits, including a flat 1.5 percent cash-back rate on all purchases. There are no annual fees and the card doesn’t require other requirements except for a good credit score.
A low-interest business credit line is a great choice for startups. A business credit card that comes with additional security might be a viable option.
A low-interest business credit cards are very convenient because you don’t have to worry of managing multiple credit cards or worrying about the amount of you can manage each month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for new businesses. It offers many advantages, including a large sign-up bonus, purchase protection, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There are no introductory APR promotions and the spending limit may not be appropriate for your business. It’s also not the best points-earning strategy.
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On the other hand however, the Ink Business Preferred Card offers numerous other useful features, such as liability insurance, primary car rental coverage and a shopping protection. These benefits are ideal for small business owners.
Additionally, the Ink Business Preferred Card is an excellent way to earn points. When you spend in certain categories, you’ll earn 3 points per dollar you spend. In this instance when you spend $500 on purchases made with your card in the first three months, you will receive a 100,000-point welcome bonus.
The Divvy is a great option for business owners in the beginning looking for 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 can be integrated with any external accounting software that allows users to look at their financial expenses. The software lets you set a budget, limit spending, and request funds. It also lets you set an expense limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards evaluate your business’s finances and decide 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’s important to know the rate of the company 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 can also offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Certain cards provide rewards for travel and shopping, while others can be used to build your credit score.
There are many credit card issuers to select from, including Chase. However, you should think about the ways you will make use of a particular credit card. It is vital to find the right corporate credit card for your needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card a great option. This card provides solid rewards on various purchase categories and even covers cell phone bills.