If you are thinking of creating a business, the most important question you should ask yourself is “Can I get my business credit card?” While there is a yes answer it can be a bit difficult and confusing to apply for a business credit card. Here are some points you should be aware of about the process of applying for the credit card.
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Brex offers a wide variety of financial services, including corporate credit cards and spend management as well as expense management software. Brex is a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an account that helps startups establish credit histories. The applicants don’t have to pay interest or have to provide a personal guarantee. Instead the applicants are evaluated based on their business model and their spending habits.
Customers can get up to 100 percent credit. This limit is determined by the amount of money the customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use the Brex Corporate credit card. Brex Travel offers four points to book travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spending management tool. It comes with a myriad of benefits, including a flat 1.5 percent cash back rate on all purchases. There are no annual fees, and the card does not have other requirements except for having a high credit score.
If you are a new business, the benefits of using the low-interest business credit cards could be very appealing. You might also look into a credit card for business that provides additional security.
A business credit card with a low-interest rate are very convenient because you don’t have the worry of managing multiple credit cards or worrying about the amount of money you can afford each month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards that are designed for startups. It offers a variety of advantages, including a high sign-up bonus, purchase protection, and travel benefits. However, it does have a few drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any initial APR deals and the spend limit might not be suitable for your business. Furthermore, it’s not the most generous points-earning option.
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On the other hand it is worth noting that the Ink Business Preferred Card offers several other valuable features, including liability coverage in addition to primary car rental insurance and a shopping protection. If you’re a small business owner, you’ll surely benefit from these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories , and you’ll earn three points per dollar. In this case the case of spending $500 on purchases to your card within the first three months, you will get a 100,000 point welcome bonus.
If you’re a startup business owner in search of a credit card for business you might want to think about Divvy. This card has a variety of benefits and features. It also allows you to track your business expenses.
The Divvy app can be used alongside any other accounting software to allow users to see their financial expenses. The program lets you make a budget, limit spending and 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’ finances and help you decide how much money you’ll need to spend every 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 essential to be aware of the company’s rates before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure best rates of interest for business loans. They also offer rewards. For instance a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Certain cards provide rewards for travel and shopping while others can be used to help to build credit for your business.
In addition to the top business credit cards from Chase but there are many other credit card issuers that you can turn to. You must also think about the way you intend to use the credit card. It is important to select the best business credit card that suits your needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card a great option. This card offers solid rewards on a variety of purchase categories and also covers cell phone bills.