For those who are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” While there is a yes answer but it can be challenging and overwhelming to apply for a business credit card. Here are some things you need to know about the process of applying for credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution to startups.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit score. The applicants don’t pay interest or provide an individual guarantee. Instead, applicants are evaluated on their budget and business model.
Users can get 100 percent credit. This limit is determined based on the amount of money that is in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards by using a Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also receive three points on dining.
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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 slew of benefits, including a flat 1.5 percent cash-back rate on all purchases. There are no annual fees, and the card does not have other requirements except for an excellent credit score.
A business credit card with low interest is a great option for new businesses. A business credit line with additional protection may be a good option.
One of the most important advantages of a low interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about how much you’ll have to pay off each 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 most sought-after business credit cards that are designed for startups. It provides a wide range of benefits, like an impressive sign-up bonus, purchase security, and travel perks. However, it has several drawbacks.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions available, and the spending limit could be too low for your company. It’s not the most efficient point-earning option.
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On the other hand it is worth noting that the Ink Business Preferred Card offers numerous other useful features, including liability coverage, primary car rental coverage as well as a shopping security. As a small-scale business owner, you’ll surely enjoy these benefits.
The Ink Business Preferred Card is another great method to earn points. If you make purchases in certain categories, you’ll earn three points for every dollar you spend. For example, if you charge $500 in purchases to your card in the first three months, you’ll get a welcome bonus of 100,000 points.
Divide
If you’re a business owner in search of a business credit card you might want to look into Divvy. This card comes with a wide range of benefits and features. You can also keep track of your business expenses using this card.
Divvy can be integrated alongside any other accounting software that allows users to look at their financial expenses. You can create budgets, set the limits, and request money. Divvy also allows you to set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards assess your company’s finances and decide how much you should spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the best interest rates for business loans. They also offer rewards. For instance, a Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for shopping and traveling as well as others that are able to help build your credit score.
There are a variety of credit card issuers you could choose from, including Chase. It is important to consider the way you intend to use the credit card. It is vital to find the right corporate credit card for your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card is a great way to earn rewards on various purchase categories and also covers cell phone bills.