For those who are just beginning a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although there is a yes answer, it can be daunting and confusing to apply for an enterprise credit card. Here are some things you should know about the process of obtaining a credit card.
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Brex 30
Brex provides a variety of financial services, such as corporate credit cards as well as spend management and expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build their credit history. Applicants don’t pay interest or have to provide personal guarantees. Instead, applicants are rated on the basis of their business model and spending habits.
Applicants can have up to 100 percent credit. The limit is determined by the amount of money customers have in their Brex Cash account. Every day, the Brex Card draws from the account to determine the limit of its spending.
You can earn rewards when you use 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 out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spend management tool. The card comes with a variety of benefits including a standard 1.5% cash back rate on all purchases. There are no annual charges, and the card doesn’t require other requirements, aside from having a high credit score.
If you are a new business benefiting from a business credit card with low interest are a great deal. You may also consider a business credit card which offers additional security.
A business credit card with a low-interest rate are extremely convenient since you’re not burdened with the stress of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for startup businesses. It comes with a range of benefits, like the highest sign-up bonus, purchase protection, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR promotions to be found and the spending cap could be too low for your company. It’s also not the best points-earning feature.
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On the other hand the Ink Business Preferred Card offers several other valuable features, such as liability insurance and primary car rental coverage and a shopping insurance. If you’re a small business owner, you’ll surely enjoy these benefits.
The Ink Business Preferred Card is another excellent method to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. In this instance, if you spend $500 on purchases made with your card in the first three months, you will get a 100,000 point welcome bonus.
Divide
If you’re a startup business owner looking for a business credit card, you may want to look into Divvy. This card has a variety of benefits and features. It also lets you keep track of your business expenses.
Divvy can be integrated with any accounting software to allow users to view their financial expenses. You can create budgets, set the limits, and request funds. It also lets you set an amount of money you can spend for your employees.
Divvy also offers a corporate card. These cards review your company finances and assist you to determine how much you’ll need to spend every month. In contrast to traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company prior to you make an application.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the best interest rates on business loans. They are also able to provide useful rewards. For instance one card, the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Some cards offer rewards for travel and shopping as well as other cards that can be used to increase your business’s credit.
There are many credit card issuers you can select from, including Chase. You should also consider what you intend to do with the credit card. It is important to find an enterprise credit card that is suitable for your needs.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. The card is a good option for earning rewards for various purchase categories and even protects employees’ mobile phone costs.