If you’re thinking about creating a business, the most important question is “Can I get my business credit card?” While the answer is yes, it can be confusing and overwhelming to apply for a business credit card. Here are some things you should know about the process of obtaining a credit card.
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Brex offers a wide range of financial services, such as corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution to startups.
The Brex Card, or Brex for Startups, is a credit card that can help startups establish their credit history. Applicants don’t pay interest or need to provide a personal guarantee. Instead the applicants are evaluated based on their business model and their spending habits.
Credit limits up to 100 percent are permitted for applicants. This limit is determined based on the amount of cash in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards using the Brex Corporate credit card. For instance, you could get four points on 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 complete small business credit card and spend management tool. The card offers a slew of benefits, including a flat 1.5 percent cash back rate on all purchases. The card doesn’t have annual fees and doesn’t have any other qualifications other than having a high credit score.
A low-interest business credit line is a great option for businesses that are just starting out. You might also look into a credit card for business that provides additional security.
A business credit card with a low-interest rate are extremely convenient since you don’t have to worry of managing multiple cards or worrying about the amount of you can manage each month. This is particularly applicable if you’re planning to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for startup companies. It provides a wide range of benefits, including an excellent sign-up bonus purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions available, and the spending limit could be too low for your company. Furthermore, it’s not the most generous points-earning option.
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On the other side, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These benefits are perfect for small-scale business owners.
Furthermore to that, the Ink Business Preferred Card is a great way to earn points. If you make purchases in certain categories, you can earn three points for every dollar you spend. In this case, if you spend $500 on purchases with your card within the first three months, you will receive a 100,000 point welcome bonus.
If you’re a new business owner looking for an account for business credit you might want look into Divvy. This card offers a variety of advantages and features. It also lets you keep track of your business expenses.
Divvy can be used with accounting software that allows users to easily view the financial expenses. You can then create a budget, set maximum limits and request money. You can also set an amount of money you can spend for your employees.
Divvy also has corporate cards. These cards look at your company’s financial situation and decide on how much you should spend every 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 essential to understand the company’s rate before applying.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest interest rates for business loans and offer valuable rewards. For example a Chase Ultimate Rewards business credit card offers bonus points that can translate to cash back. Some cards offer rewards for shopping and traveling while others are able to help build your credit score.
In addition to the top business credit cards from Chase and other credit card issuers you can use. However, you should consider how you will utilize a specific credit card. It is essential to find the right business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. The card provides solid rewards across a variety of categories and even covers mobile phone bills.