For those who are just beginning an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes but the process of getting an enterprise credit card can be overwhelming and confusing. Here are some things you need to know about the process of obtaining an credit card.
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Brex 30
Brex provides a broad range of financial services, such as 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 a credit card that can help startups establish credit histories. It doesn’t charge interest and don’t have to offer an individual guarantee. Instead the applicants are evaluated on their financial model and spending habits.
Credit limits up to 100 percent are allowed for applicants. The limit is determined based on the amount of money that is in the customer’s Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
You can earn valuable rewards with a Brex Corporate credit card. For instance, you could earn four points on travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as an expense management tool. It comes with a myriad of benefits, including a flat 1.5 percent cash back rate on all purchases. There are no annual fees and the card doesn’t have other requirements, aside from having a high credit score.
For a business that is just beginning, the benefits of using a business credit card that is low-interest are a great deal. A business credit card that offers additional security might be a possibility.
One of the primary benefits of a business low-interest credit card is that you don’t have to worry about managing multiple cards or worrying about how much you can afford to pay each month. This is especially true if you’re looking to finance large expenditures.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up businesses. It provides many advantages, such as a huge reward for signing up along with purchase protection, along with travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any promotional APR promotions and the spending limit might not be suitable for your company. It’s also not the most generous point-earning system.
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The Ink Business Preferred Card, however provides a range of useful features like liability insurance and primary coverage for car rentals shopping protection, as well as primary coverage for car rentals. These benefits are perfect for small-scale business owners.
Moreover it is worth noting that the Ink Business Preferred Card is an excellent method to earn points. When you spend money in certain categories, you’ll earn 3 points per dollar you spend. For example the case of spending $500 on purchases on your card within the first three months, you’ll get a 100,000 point welcome bonus.
Divide
If you’re a new business owner in search of a business credit card you might want to think about Divvy. This card has a variety of benefits and features. You can also monitor your business expenses with this card.
The Divvy app can be used with any accounting software to allow users to look at their financial expenses. You can create budgets, set the maximum limits and request money. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards evaluate your business financial situation and help you decide how much money you can spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to find out the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the best rates of interest on business loans. They are also able to provide useful rewards. For instance the Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash back. Some cards offer rewards for shopping and traveling as well as other cards that can be used to help build your business’s credit.
In addition to the top business credit cards from Chase, there are other credit card issuers that you can turn to. You should also think about how you will use the credit card. It is important that you locate the best business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card is a great way to earn rewards on various purchase categories as well as covers employees’ cell phone bills.