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 a resounding yes however the process of getting an enterprise credit card can be a bit overwhelming and confusing. Here are some things you need to be aware of when applying for an credit card.
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Brex provides a range of financial services like corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups build their credit history. The cardholders don’t have to pay any interest or provide an individual guarantee. Instead, applicants are evaluated on the basis of their business model and spending habits.
Credit limits as high as 100 percent are permissible for applicants. This limit is determined by the amount a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards when you use a Brex Corporate credit card. 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 a small business credit card that can also be used as a spend management tool. The card offers a variety of advantages, including a fixed 1.5% cashback rate on all purchases. There are no annual charges, and the card does not have other requirements, aside from an excellent credit score.
For a startup business, the benefits of using the low-interest business credit cards could be very appealing. You may also think about a business credit card that provides additional security.
Business credit cards with low interest are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about how much you can manage each month. This is especially true if 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 that are designed for startups. It comes with a range of advantages, including a high sign-up bonus, purchase protection, as well as travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any APR introductory promotions to be found, and the spending limit may be too low for your company. It’s also not the most generous points-earning option.
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On the other side it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. These benefits are ideal for small business owners.
Moreover to that, the Ink Business Preferred Card is an excellent method to earn points. When you spend in certain categories, you’ll earn three points for every dollar you spend. For instance, if you charge $500 on purchases to your card in the first three months, you’ll receive a welcome bonus of 100,000 points.
Divvy is an excellent choice for business owners in the beginning looking for an business card. This kind of card comes with various advantages and features. You can also track your business expenses with this card.
The Divvy app can be used with any accounting software to allow users to see their financial expenses. You can then create budgets, set maximum limits and request money. You can also set a spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards analyze your business finances and allow you to determine how much you’ll need to invest every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to find out the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be the opportunity to get the most favorable interest rates on business loans. They can also offer useful 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 purchases and travel as well as others that can be used to build your credit score.
There are many credit card issuers to select from, including Chase. However, you must think about how you will make use of a particular credit card. It is important to select the right business credit card that is suitable for your particular needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card gives you solid rewards for various purchase categories and even protects employees’ mobile phone bills.