If you’re thinking about starting your own business, the first important question you should ask yourself is “Can I get my business credit card?” Although the answer is yes but it can be confusing and overwhelming to apply for an enterprise credit card. Here are some things you need to be aware of when applying for credit card.
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Brex offers a wide variety of financial services, including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups build their credit history. The applicants don’t have to pay interest and don’t have to offer an individual guarantee. Instead the applicants are evaluated based on their company’s financial model and spending habits.
Credit limits up to 100 percent are available to applicants. This limit is 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 a Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you’ll earn four points on trips 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 complete small business credit card as well as a spending management system. The card offers a slew of benefits including a standard 1.5 percent cash-back rate on all purchases. The card does not have annual fees and does not have any other requirements than an excellent credit score.
A low-interest business credit card is a great choice for new businesses. It is also possible to look into a business credit card that offers additional protection.
One of the most important advantages of a low-interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll be able to pay off each month. This is particularly true if you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards for startups. It comes with a variety of advantages, such as a huge sign-up bonus, purchase protection, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions to be found, and the spending cap may be too low for your business. Furthermore, it’s not the most generous points-earning program.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance and primary car rental coverage as well as a shopping security. These benefits are ideal for small business owners.
Moreover that, the Ink Business Preferred Card is a great way to earn points. When you spend money in certain categories, you’ll earn 3 points for every dollar you spend. In this instance the case of spending $500 on purchases made with your card within the first three months, you’ll receive a 100,000 point welcome bonus.
If you’re a business owner looking for a business credit card you might want to look into Divvy. This card offers a variety of advantages and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software that allows users to quickly view the financial expenses. The program lets you make a budget, limit spending and even request money. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business’ finances and help you determine how much you’ll need to invest each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure highest interest rates for business loans. They can also provide valuable rewards. For example one card, the Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Some cards offer rewards for shopping and travel and some can be used to build your business’s credit.
In addition to the top business credit cards offered by Chase, there are other credit card issuers that you can turn to. However, you must think about the ways you will make use of a specific credit card. It is crucial to choose a business credit card that meets your specific requirements.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. The card is a good option for earning rewards across a variety of categories and even covers mobile phone bills.