If you’re thinking of creating an enterprise, the most important question you should ask yourself is “Can I get my business credit card?” While the answer is yes, it can be daunting and confusing to apply for a business credit card. Here are a few things to be aware of before obtaining an credit card.
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Brex provides a range of financial products, including corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups build credit histories. The cardholders don’t have to pay any interest and don’t need to provide an individual guarantee. Instead applicants are evaluated based on their company’s budget and business model.
Credit limits up to 100 percent are available to applicants. The limit is determined by the amount of money customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points for booking travel. You can also receive three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card as well as a spending management tool. The card comes with a variety of benefits including a standard 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and does not have any other conditions other than an excellent credit score.
A business credit card with a low-interest rate is a great choice for startups. A business credit card that comes with additional security could be an option.
A low-interest business credit card are very convenient because you don’t have the worry of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is especially true if you are looking 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 businesses. It has many advantages, including a large sign up bonus, purchase protection, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any introductory APR offers and the spending limit may not be appropriate for your business. Furthermore, it’s not the most generous points-earning feature.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, including liability coverage, primary car rental coverage, and a shopping protection. If you’re a small business owner, you’ll surely get these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and earn three points per dollar. For example, if you charge $500 on purchases to your credit card within the first three months, you’ll be eligible for an offer of 100,000 points.
Divvy is an excellent choice for business owners in the beginning seeking an business card. This card has a variety of benefits and features. It also lets you track your business expenses.
Divvy is compatible with external accounting software and enables users to view their financial expenses. The software allows you to set a budget, limit spending, and request funds. You can also set a spending limit for your employees.
Divvy also offers a corporate card. These cards look at your company’s finances and decide how much you’ll need to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure most favorable rates of interest for business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Some cards offer rewards for shopping and travel and others can be used to boost your credit score.
Apart from the top business credit cards from Chase but there are many other credit card issuers you can turn to. You must also think about the way you intend to use the credit card. It is crucial to choose the appropriate business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card offers solid rewards on various purchase categories and even covers employees’ cell phone bills.