For those who are just beginning an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” While the answer is yes, it can be daunting and confusing to apply for an enterprise credit card. Here are some tips to learn about getting the credit card you need.
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Brex 30
Brex provides a range of financial products, including corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build credit histories. Applicants don’t pay interest or require an individual guarantee. Instead, applicants are evaluated based on their company’s financial model and spending habits.
Credit limits up to 100 percent are available to applicants. The limit is determined based on the amount of money in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you can earn four points on travel booked through Brex Travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card and spend management system. The card offers a variety of benefits, including a simple 1.5 percent cashback rate on all purchases. There are no annual fees, and the card does not have other requirements other than an excellent credit score.
For a business that is just beginning it is possible to reap the benefits of the low-interest business credit cards are a great deal. It is also possible to consider a business credit card that offers additional protection.
One of the main benefits of a business low-interest credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll have to pay off every month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards that are designed for startups. It provides many benefits, including a substantial sign up bonus, purchase protection, along with travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any APR introductory promotions to be found, and the spending cap could be too low for your business. It’s not the most efficient points-earning strategy.
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On the other side however, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance as well as primary coverage for car rental and a shopping protection. These perks are great for small-scale business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in certain categories, you can earn three points per dollar you spend. In this instance the case of spending $500 on purchases on your card in the first three months, you’ll receive a 100,000 point welcome bonus.
Divide
If you’re a startup business owner in search of a business credit card You might want to look into Divvy. This type of card offers a range of benefits and features. It also lets you keep track of your business expenses.
The Divvy app can be used alongside any other accounting software to allow users to see their financial expenses. The program allows you to create a budget, restrict spending and even request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate card. These cards look at your company’s finances and determine how much you’ll have to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important 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 obtain the highest rates of interest for business loans, and also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash. Some cards offer rewards for travel and shopping, and others can be used to help to build credit for your business.
Aside from the best business credit cards offered by Chase but there are many other credit card issuers you can turn to. You must also think about the method of use for the credit card. It is crucial to choose the right business credit card that will meet your specific needs.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card an excellent choice. This card offers solid rewards for various categories of purchases and even protects employees’ mobile phone costs.