If you’re thinking about starting a business, the most important question to ask is “Can I get my business credit card?” The answer is yes however, the process of applying for a business credit card can be daunting and confusing. Here are some things you need to be aware of when applying for a credit card.
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Brex offers a variety of financial services including corporate credit cards along with spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups establish their credit histories. The cardholders don’t have to pay any interest and don’t need to offer personal guarantees. Instead, applicants are rated by the business model of the company and spending patterns.
Credit limits of up to 100 percent are available to applicants. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points for booking travel. Additionally, you can earn three points on dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a budget management tool. It offers a wide range of benefits, including a standard 1.5% cashback rate on all purchases. The card doesn’t have annual fees and does not have any other qualifications other than an excellent credit score.
A low-interest business credit card is a great option for those who are just starting out. You may also look into a credit card for business with additional protection.
A business credit card with a low-interest rate are very convenient because you’re not juggling the hassle of managing multiple credit cards or worrying about the amount of money you’ll be able to afford each month. This is particularly true if you’re looking to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards for new businesses. It provides many advantages, including a large initial bonus as well as purchase protection as well as travel perks. However, it has some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions to be found and the spending limit could be too low for your business. It’s also not the best points-earning feature.
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On the other side however, the Ink Business Preferred Card offers several other valuable features, including liability coverage as well as primary coverage for car rental, and a shopping protection. As a small-scale company owner, you’ll certainly benefit from these perks.
Furthermore it is worth noting that the Ink Business Preferred Card is a great opportunity to earn points. When you spend in certain categories, you can earn 3 points per dollar you spend. In this case, if you spend $500 on purchases on your card in the first three months, you’ll receive a 100,000-point welcome bonus.
Divvy is a good option for startup business owners seeking an enterprise card. This card has a variety of advantages and features. You can also keep track of your business expenses by using this card.
Divvy can be used with any accounting software to allow users to see their financial expenses. You can then create budgets, set the limits, and request money. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards assess your company’s finances and determine how much you should spend each month. As opposed to traditional business credit card, Divvy is not a requirement for a personal guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure the best rates of interest on business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash back. Some cards offer rewards for purchases and travel while others can be used to build your credit score.
Apart from the top business credit cards from Chase and other credit card issuers you can choose from. It is important to consider how you will use the credit card. It is important that you choose the appropriate business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card offers solid rewards for various categories of purchases and even covers employees’ mobile phone bills.