For those that are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes but it can be challenging and overwhelming to apply for a business credit card. Here are some things you need to learn about getting the credit card you need.
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Brex offers a variety of financial services like corporate credit cards, spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups 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 on their business model and their spending habits.
Credit limits as high as 100 percent are allowed for applicants. This limit is based on the amount of money that is 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 by using a Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spending management tool. The card comes with a range of benefits, including a simple 1.5 percent cashback on all purchases. There are no annual fees, and the card doesn’t have other requirements except for having a high credit score.
For a business that is just beginning benefiting from a low-interest business credit card can be extremely appealing. A business credit line with additional security could be a possibility.
Business credit cards with low interest are very convenient because you don’t have the worry of managing multiple credit cards or worrying about the amount of money you can afford 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 well-known business credit cards for startups. It offers many benefits, including a high reward for signing up and purchase protection along with travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any promotional APR promotions available, and the spending cap may be too low for your company. Furthermore, it’s not the most generous points-earning option.
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On the other hand the Ink Business Preferred Card offers numerous other useful features, including liability coverage and primary car rental coverage and a shopping insurance. If you’re a small-sized business owner, you’ll surely get these benefits.
The Ink Business Preferred Card is another great way to earn points. If you make purchases in certain categories, you’ll earn 3 points per dollar you spend. For example, if you charge $500 on purchases to your credit card within the first three months, you’ll receive the welcome bonus of 100,000 points.
If you’re a business owner looking for a credit card for business, you may want to think about Divvy. This card has a variety of benefits and features. It also allows you to track your business expenses.
Divvy can be used with accounting software that allows users to easily view the financial expenses. You can then create budgets, set limits, and request money. You can also set an expense limit for your employees.
Divvy also offers a corporate credit card. These cards review your company finances and assist you to decide on how much you can spend each month. As opposed to traditional business credit card, Divvy doesn’t require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the best interest rates for business loans, and also provide valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Certain cards provide rewards for purchases and travel as well as others that are able to help build your credit score.
There are numerous credit card issuers you can choose from, including Chase. But, you must consider the manner in which you use a particular credit card. It is important that you choose the appropriate corporate credit card for your needs.
The Ink Business Preferred(r) Credit Card is a viable option for small-sized business owners. This card offers solid rewards across a variety of categories and even covers mobile phone expenses.