For those who are starting the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer it can be a bit challenging and overwhelming to apply for an enterprise credit card. Here are a few things you need to know about the process of getting a credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards as well as spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit history. Applicants don’t pay interest or require an individual guarantee. Instead applicants are evaluated based on their company’s business model and their spending habits.
Applicants can have up to a 100 percent credit limit. This 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 its spending limit.
With a Brex Corporate Credit Card You can earn rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as an expense management tool. The card provides a range of benefits, including a standard 1.5 percent cashback on all purchases. The card is free of annual charges and doesn’t need any other qualifications other than having a high credit score.
A low-interest business credit line is a great option for those who are just starting out. A business credit line with additional security could be a viable option.
A low-interest business credit cards are extremely convenient since you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you can 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 for startup businesses. It comes with a range of benefits, like a high sign-up bonus, purchase security, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any introductory APR promotions available, and the spending limit may be too low for your business. In addition, it’s not exactly the most generous points-earning feature.
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On the other side, the Ink Business Preferred Card offers several other valuable features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These perks are perfect for small business owners.
The Ink Business Preferred Card is another great way to earn points. Spend in certain categories , and you’ll earn three points per dollar. For instance, if you make a purchase of $500 to your credit card during the first three months, you’ll get the welcome bonus of 100,000 points.
Divide
If you’re a startup business owner looking for a business credit card you might want look into Divvy. This type of card comes with numerous benefits and features. You can also track your business expenses with this card.
The Divvy app can be used alongside any other accounting software that allows users to see their financial expenses. The program lets you make a budget, limit spending and even request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards evaluate your business’s finances and determine the amount you’ll have to spend every month. Contrary to traditional business credit cards, Divvy does not require a personal guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards provide a way to secure the best interest rates on business loans. They can also offer useful rewards. For instance, a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Certain cards provide rewards for shopping and travelling while others can be used to build your business’s credit.
In addition to the top business credit cards from Chase There are other credit card issuers are available to. But, you must consider how you will make use of a particular credit card. It is important to select the right business credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card gives you solid rewards for various categories of purchases and even covers employees’ mobile phone bills.