If you’re starting a business, one 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 applying for a business credit card can be overwhelming and confusing. Here are a few things you need to know about the process of obtaining an credit card.
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Brex 30
Brex offers a variety of financial products, including corporate credit cards, spend management and expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups build their credit score. Applicants don’t pay interest or have to provide a personal guarantee. Instead, applicants are evaluated on their business model and their spending habits.
Customers can get up to 100 percent credit. The limit is by the amount of money in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
You can earn rewards with a Brex Corporate credit card. For instance, you can get four points on travel booked through Brex Travel. You can also 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 budget management tool. The card offers a variety of advantages, including a fixed 1.5 percent cashback rate on all purchases. There are no annual fees, and the card does not have other requirements except for having a credit score of at least.
A business credit card with low interest is a great choice for businesses that are just starting out. A business credit line with additional security might be a viable option.
One of the main 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’ll have to pay each month. This is particularly applicable if you’re planning to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards available to start-up companies. It offers a range of benefits, including an excellent sign-up bonus purchase protection, as well as travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There are no introductory APR offers and the spending limit may not be appropriate for your company. It’s not the most efficient points-earning feature.
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The Ink Business Preferred Card, however it offers a number of additional useful features, such as liability coverage and primary coverage for car rentals shopping protection, and primary coverage for car rentals. These benefits are perfect for small-scale business owners.
Additionally that, the Ink Business Preferred Card is an excellent method to earn points. If you make purchases in certain categories, you’ll earn 3 points for every dollar you spend. For instance, if you add $500 worth of purchases to your card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divvy
If you’re a new business owner in search of a business credit card, you may want to think about Divvy. This card offers a variety of advantages and features. It also lets you monitor your business expenses.
Divvy can be integrated alongside any other accounting software that allows users to monitor their financial expenses. The software allows you to set a budget, limit spending and even request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards review your company finances and allow you to decide how much money you’ll need to invest each month. Unlike traditional business credit cards, Divvy does not require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the best interest rates on business loans, and can also provide valuable rewards. For example the Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Some cards offer rewards for travel and shopping and some can be used to build 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 ways you will make use of a specific credit card. It is vital to find the right business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card offers solid rewards on various purchase categories, and it even covers employees’ cell phone bills.