If you are thinking of creating your own business, the most important question is “Can I get my business credit card?” Although the answer is yes but it can be daunting and confusing to apply for a business credit card. Here are some tips to be aware of before obtaining the credit card you need.
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Brex provides a range of financial services including corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups establish their credit histories. The applicants don’t have to pay interest and don’t need to offer a personal guarantee. Instead, applicants are evaluated on their financial model and spending habits.
Credit limits as high as 100 percent are permissible for applicants. This limit is determined by the amount the customer has in their Brex Cash account. Every day the Brex Card draws from the account to determine the limit of its spending.
You can earn significant rewards when you use a 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 as well as a spending management tool. The card provides a range of benefits, including a simple 1.5 percent cashback rate on all purchases. The card doesn’t have annual fees and doesn’t require any other qualifications other than having a credit score of at least.
A low-interest business credit card is a great option for startups. You may also look into a business credit card with additional protection.
A business credit card with a low-interest rate are very convenient because you don’t have the worry of managing multiple credit cards or worrying about how much you can manage each month. This is especially true if you’re looking to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards available to start-up businesses. It comes with a range of benefits, including a high sign-up bonus, purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any initial APR promotions and the spending limit may not be appropriate for your business. It’s not the most efficient points-earning feature.
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On the other side, the Ink Business Preferred Card offers several other valuable features, such as liability insurance, primary car rental coverage as well as a shopping security. As a small business owner, you’ll definitely get these benefits.
Moreover, the Ink Business Preferred Card is a great method to earn points. Spend in certain categories , and you’ll earn 3 points for every dollar. For instance, if you charge $500 in purchases to your credit card within the first three months, you’ll receive the welcome bonus of 100,000 points.
Divvy is a good option for business owners in the beginning seeking a business card. This card offers a variety of advantages and features. It also lets you monitor your business expenses.
Divvy is compatible with external accounting software, and allows users to view their financial expenses. You can create budget, set limits on spending and request money. It also lets you set an amount of money you can spend for your employees.
Divvy also offers corporate cards. These cards evaluate your business’ finances and help you decide what amount of money you’ll need to invest each month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest on business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash or cash back. Certain cards provide rewards for shopping and travel and some can be used to help to build credit for your business.
There are a variety of credit card issuers to choose from, including Chase. You should also consider how you will use the credit card. It is crucial to choose the best business credit card that meets your specific needs.
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 will pay for employees’ mobile phone bills.
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