If you are thinking of starting a business, the most important thing to consider is “Can I get my business credit card?” The answer is a resounding yes however, the process of getting a business credit card can be overwhelming and confusing. Here are a few things to learn about getting a credit card.
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Brex offers a variety of financial services , including corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups build their credit score. It doesn’t charge interest or provide an individual guarantee. Instead applicants are evaluated on their company’s business model and their spending habits.
The applicants can enjoy up to a 100 percent credit limit. The limit is based on the amount of cash in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
With a Brex Corporate Credit Card You can earn rewards on purchases. For instance, you’ll earn four points on trips booked through Brex Travel. Additionally, you can 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 be used as a spending management tool. The card provides a range of benefits, including a flat 1.5% cashback rate on all purchases. There are no annual fees and the card doesn’t have other requirements aside from an excellent credit score.
A business credit card with a low-interest rate is a great choice for new businesses. A business credit line with added security may be a possibility.
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 can afford to pay off every month. This is especially important if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards designed for start-up companies. It provides a wide range of benefits, like an excellent sign-up bonus purchase protection, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions to be found and the spending cap could be too low for your company. Furthermore, it’s not the most generous points-earning option.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, such as liability insurance, primary car rental coverage as well as a shopping security. These benefits are ideal for small business owners.
Additionally, the Ink Business Preferred Card is a great opportunity to earn points. Spend in certain categories and earn three points per dollar. For instance, if charge $500 in purchases to your card during the first three months, you’ll receive a welcome bonus of 100,000 points.
The Divvy is a great option for startup business owners seeking business cards. This type of card comes with a range of advantages and features. It also allows you to keep track of your business expenses.
Divvy can be used alongside any other accounting software that allows users to look at their financial expenses. The software lets you create a budget, restrict spending and request money. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also has corporate cards. These cards analyze your business finances and allow you to determine how much you’ll need to spend each month. As opposed to traditional business credit card, Divvy does not require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. It is important to find out the interest rate of the company prior to you make an application.
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Chase Ultimate Rewards
Business credit cards provide a way to secure the best interest rates on business loans, and can also offer valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and travelling, and others can be used to increase your business’s credit.
In addition to the top business credit cards offered by Chase but there are many other credit card issuers that you can choose from. However, you should consider the way you intend to use a particular credit card. It is essential to find the right corporate credit card for your needs.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. The card gives you solid rewards on different categories of purchases and even covers cell phone bills.