For those that are starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes but it can be confusing and overwhelming to apply for a business credit card. Here are some things to learn about getting an credit card.
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Brex 30
Brex provides a variety of financial services, such as corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish their credit history. The cardholders don’t have to pay any interest and don’t have to provide personal guarantees. Instead, applicants are rated by the business model of the company and spending patterns.
Applicants can have up to a 100 percent credit limit. The limit is determined by the amount of money that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards when you use a Brex Corporate credit card. For instance, you could earn four points on trips booked through Brex Travel. Additionally, you can earn three points on dining.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a budget management tool. The card provides a range of benefits, including a flat 1.5 percent cashback on all purchases. The card is free of annual charges and doesn’t need any other conditions other than having a high credit score.
For a business that is just beginning one of the advantages of using a low-interest business credit card can be extremely appealing. A business credit card that comes with additional protection may be a possibility.
A low-interest business credit card are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll have to pay 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 most sought-after business credit cards designed for entrepreneurs. It comes with a range of benefits, such as an excellent sign-up bonus purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR deals and the spend limit might not be suitable for your company. It’s also not the most generous points-earning program.
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On the other hand the Ink Business Preferred Card offers numerous other useful features, including liability coverage and primary car rental coverage and a shopping protection. These perks are perfect for small-scale business owners.
Additionally that, the Ink Business Preferred Card is a great opportunity to earn points. When you spend money in certain categories, you’ll earn three points per dollar you spend. In this case for example, if you spend $500 on purchases made with your card in the first three months, you’ll receive a 100,000 point welcome bonus.
Divvy
If you’re a startup business owner looking for a business credit card you might want look into Divvy. This card comes with a wide range of advantages and features. It also allows you to keep track of your business expenses.
The Divvy app can be used alongside any other accounting software to allow users to look at their financial expenses. You can create budget, set maximum limits and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also has a corporate card. These cards assess your business’ finances and help you decide on how much you can spend every month. As opposed to traditional business credit card, Divvy does NOT require personal guarantees.
However, Divvy does not disclose any interest rates on its website. It is essential to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards are the chance to secure most favorable interest rates on business loans. They can also offer valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and travel as well as other cards that can be used to help increase 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 use. However, you must think about the way you intend to utilize a specific credit card. It is essential to find the right business credit card to meet your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. The card is a good option for earning rewards for various purchase categories and even protects employees’ mobile phone expenses.