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?” While the answer is yes but it can be challenging and overwhelming to apply for a business credit card. Here are some things to be aware of before obtaining a credit card.
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Brex 30
Brex provides a broad range of financial services, including corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is a credit card that can help entrepreneurs build credit histories. The applicants don’t have to pay interest or need to provide a personal guarantee. Instead, applicants are assessed by the business model of the company and spending patterns.
Customers can get up to 100 percent credit. This limit is by the amount of money that is in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards with the Brex Corporate credit card. Brex Travel offers four points to book travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spending management system. 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 doesn’t require any other requirements than an excellent credit score.
For businesses that are just starting out, the benefits of using a business credit card that is low-interest are a great deal. A business credit line with added security may be a good option.
Business credit cards with low interest are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of you can manage each month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards for startups. It offers a range of benefits, like the highest sign-up bonus, purchase protection, and travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR offers and the spending limit might not be suitable for your business. Moreover, it’s not the most generous points-earning option.
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The Ink Business Preferred Card, on the other hand it offers a number of additional useful features like liability insurance and primary coverage for car rentals shopping protection, and primary coverage for car rental. As a small business owner, you’ll surely get these benefits.
Additionally that, the Ink Business Preferred Card is an excellent method to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For example when you spend $500 on purchases with your card within the first three months, you will receive a 100,000 point welcome bonus.
Divide
The Divvy card is a great choice for startup business owners seeking a business card. This type of card comes with various benefits and features. It also lets you monitor your business expenses.
Divvy can be integrated with any accounting software that allows users to see their financial expenses. The software allows you to make a budget, limit spending and even request money. Additionally, Divvy lets you set an expense limit for your employees.
Divvy also offers a corporate credit card. These cards look at your company’s financial situation and decide on how much you can spend each 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 be aware of the company’s rates before applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most favorable interest rates for business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash back. Some cards offer rewards for shopping and traveling, and others can be used to increase your business’s credit.
There are a variety of credit card issuers to pick from, including Chase. However, you should consider how you will make use of a specific credit card. It is vital to locate the best business credit card that meets your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card provides solid rewards on various purchase categories and also will pay for employees’ cell phone bills.