For those who are just beginning a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes it can be challenging and overwhelming to apply for an enterprise credit card. Here are a few things you need to know about the process of getting an credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards and spend management as well as 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 score. The applicants don’t have to pay interest and don’t need to offer an individual guarantee. Rather, applicants are evaluated by the business model of the company and spending habits.
Applicants can have up to a 100 percent credit limit. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards by using the Brex Corporate credit card. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also earn three points on dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spend management tool. The card offers a variety of benefits, including a simple 1.5% cashback rate on all purchases. There are no annual charges, and the card does not have other requirements aside from a good credit score.
For a startup business one of the advantages of using a low-interest business credit card could be very appealing. A business credit line with additional protection may be a viable option.
A low-interest business credit cards are very convenient because you don’t have the worry of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is especially true if you’re looking to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for new companies. It offers a range of benefits, like a high sign-up bonus, purchase protection, and travel benefits. It has some downsides.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any promotional APR deals and the spend limit might not be suitable for your company. This isn’t the most efficient points-earning feature.
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The Ink Business Preferred Card, however, offers many other useful features like liability insurance as well as primary car rental coverage, shopping protection, and primary coverage for rental cars. As a small company owner, you’ll certainly benefit from these benefits.
Moreover that, the Ink Business Preferred Card is a great way to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For instance, if charge $500 in purchases to your credit card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divide
If you’re a start-up business owner looking for an account for business credit, you may want to consider Divvy. This type of credit card provides various benefits and features. It also allows you to track your business expenses.
Divvy can be used with any accounting software that allows users to view their financial expenses. You can create budgets, set the limits on spending and request money. Additionally, Divvy lets you set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for companies. These cards evaluate your business’s finances and decide how much you can spend every month. In contrast to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive interest rates for business loans. They also offer rewards. For instance the Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for travel and shopping while others can be used to help improve your company’s credit score.
Aside from the best business credit cards offered by Chase, there are other credit card issuers that you can use. You must also think about what you intend to do with the credit card. It is essential to select the correct business credit card to meet your needs.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card an excellent choice. The card provides solid rewards across a variety of categories and even protects employees’ mobile phone bills.
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