If you are thinking of starting a business, the most important question to ask is “Can I get my business credit card?” While the answer is yes it can be a bit challenging and overwhelming to apply for a business credit card. Here are some tips to know about how to get credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups build credit histories. Applicants don’t pay interest or offer an individual guarantee. Instead the applicants are evaluated on their company’s business model and their spending habits.
Credit limits of up 100 percent are permissible for applicants. The limit is by the amount of money in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards by using a Brex Corporate credit card. For example, you can get four points on travel 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 small-sized business credit card that can also be used as a budget management tool. The card comes with a range of benefits, including a simple 1.5 percent cashback rate on all purchases. There are no annual charges, and the card doesn’t require other requirements except for having a high credit score.
For a startup business it is possible to reap the benefits of a business credit card that is low-interest could be very appealing. A business credit card that comes with added security may be a good option.
One of the primary benefits of a business low-interest credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll have to pay off each month. This is particularly important if you’re trying to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It comes with a range of advantages, including an excellent sign-up bonus purchase protection, and travel benefits. However, it does have a few drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any introductory APR promos and the spending limit may not be appropriate for your company. It’s also not the most generous points-earning feature.
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On the other hand it is worth noting that the Ink Business Preferred Card offers many other beneficial features, including liability coverage and primary car rental coverage, and a shopping protection. These benefits are ideal for small-scale business owners.
The Ink Business Preferred Card is another excellent way to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if add $500 worth of purchases to your credit card within the first three months, you’ll be eligible for an offer of 100,000 points.
Divide
Divvy is a good option for business owners in the beginning seeking an business card. This card offers a variety of benefits and features. You can also keep track of your business expenses by using this card.
Divvy is compatible with external accounting software, and allows users to view their financial expenses. You can then create budgets, set the maximum limits and request money. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business’s finances and determine the amount you can spend 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 used to get the best rates of interest on business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Some cards offer rewards for shopping and travel as well as other cards that can be used to help increase your business’s credit.
There are a myriad of credit card issuers that you can choose from, such as Chase. However, you should think about the way you intend to make use of a specific credit card. It is essential to locate a business credit card that is suitable for your particular needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card a great option. This card offers solid rewards for various categories of purchases as well as will pay for employees’ cell phone bills.