If you’re thinking about starting your own business, the most important question to ask is “Can I get my business credit card?” The answer is yes, but the process of getting a business credit card can be daunting and confusing. Here are a few things you need to know about the process of applying for a credit card.
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Brex 30
Brex offers a variety of financial services like corporate credit cards along with spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. Applicants don’t pay interest or have to provide an individual guarantee. Instead, applicants are rated by the company’s business model and spending patterns.
Credit limits up to 100 percent are available to applicants. This limit is determined by the amount a customer has in their Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points for booking travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management solution. It offers a wide range of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual charges, and the card doesn’t require other requirements, aside from an excellent credit score.
A business credit card with low interest is a great choice for those who are just starting out. A business credit card with additional security could be a possibility.
One of the most important advantages of a low interest business credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll have to pay every month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up companies. It provides a wide range of benefits, like the highest sign-up bonus, purchase protection, and travel benefits. However, it does have a few drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any initial APR promos and the spending limit might not be suitable for your business. It’s also not the best points-earning strategy.
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On the other side however, the Ink Business Preferred Card offers numerous other useful features, such as liability insurance, primary car rental coverage and a shopping protection. These perks are great for small-scale business owners.
Furthermore, the Ink Business Preferred Card is a great method to earn points. If you make purchases in certain categories, you can earn three points per dollar you spend. For example, if you charge $500 on purchases to your credit card during the first three months, you’ll get an offer of 100,000 points.
Divide
If you’re a new business owner looking for an account for business credit you might want think about Divvy. This type of card comes with a range of advantages and features. It also allows you to track your business expenses.
Divvy can be integrated with any external accounting software to allow users to look at their financial expenses. The software allows you to make a budget, limit spending and even 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 assess your business financial situation and help you determine how much you’ll need to invest each month. Divvy doesn’t 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 you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the best rates of interest for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash back. Some cards offer rewards for travel and shopping and some can be used to increase your business’s credit.
There are a myriad of credit card issuers you can choose from, including Chase. However, you should think about the manner in which you utilize a specific credit card. It is vital to find the right business credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card gives you solid rewards for various purchase categories and even protects employees’ mobile phone bills.