For those who are starting an enterprise, one of 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 challenging and overwhelming to apply for an enterprise credit card. Here are some things to learn about getting an credit card.
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Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. It offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. It doesn’t charge interest or offer personal guarantees. Instead, applicants are rated by the business model of the company and spending habits.
Credit limits of up 100 percent are permissible for applicants. This limit is determined based on the amount of money in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine the limit of its spending.
You can earn valuable rewards using a Brex Corporate credit card. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a budget management tool. The card offers a variety of benefits, including a flat 1.5% cashback rate on all purchases. The card doesn’t have annual fees and doesn’t have any other conditions other than an excellent credit score.
If you are a new business benefiting from a business credit card with low interest can be extremely appealing. You may also want to consider a business credit card which offers additional security.
One of the key features of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about how much you can afford to pay every month. This is particularly applicable if you’re planning to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It offers a variety of benefits, such as a high 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 are no introductory APR offers and the spending limit might not be suitable for your company. It’s also not the best points-earning feature.
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On the other hand it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. As a small business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in specific categories, you can earn three points per dollar you spend. In this instance, if you spend $500 on purchases with your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
The Divvy card is a great choice for business owners in the beginning seeking an enterprise card. This kind of card comes with many advantages and features. You can also keep track of your business expenses using this card.
The Divvy app can be used with any accounting software to allow users to see their financial expenses. The software lets you create a budget, restrict spending, and request funds. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers a corporate card. These cards assess your business’ finances and help you decide what amount of money you’ll need to spend every month. Contrary to traditional business credit cards, Divvy doesn’t require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the highest interest rates for business loans. They can also offer valuable rewards. For example one card, the Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Some cards offer rewards for shopping and traveling and some can be used to improve your company’s credit score.
There are many credit card issuers you could select from, including Chase. However, you should consider how you will make use of a specific credit card. It is important to select the right business credit card that suits your specific requirements.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card offers solid rewards for a variety of purchase categories and even protects employees’ mobile phone expenses.