If you’re starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” Although there is a yes answer but it can be challenging and overwhelming to apply for a business credit card. Here are some points you should be aware of about the process of getting the credit card.
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Brex offers a variety of financial services like corporate credit cards as well as spend management and expense management software. It offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups establish credit histories. Applicants don’t pay interest or provide personal guarantees. Rather, applicants are evaluated by company business model and spending habits.
Credit limits of up to 100 percent are permissible for applicants. The limit is determined by the amount of money that a customer has in their Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
You can earn significant rewards when you use a Brex Corporate credit card. Brex Travel offers four points when you book travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management tool. It comes with a myriad of benefits, including a flat 1.5 percent cash-back rate on all purchases. The card does not have annual fees and doesn’t have any other qualifications other than a good credit rating.
For a startup business benefiting from the low-interest business credit cards can be extremely appealing. You may also want to look into a credit card for business with additional protection.
Business credit cards with low interest are very convenient because you don’t have to worry of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is especially relevant if you’re trying to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for startup businesses. It comes with a range of advantages, including an excellent sign-up bonus purchase protection, and travel perks. It has some downsides.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any initial APR promos and the spending limit might not be suitable for your business. It’s also not the most effective points-earning program.
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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 and primary car rental coverage and a shopping protection. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another great way to earn points. If you make purchases in certain categories, you’ll earn three points for every dollar you spend. In this instance when you spend $500 on purchases made with your card within the first three months, you will get a 100,000 point welcome bonus.
The Divvy card is a great choice for startup business owners seeking a business card. This type of card comes with numerous advantages and features. It also lets you track your business expenses.
Divvy can be integrated with any accounting software that allows users to look at their financial expenses. You can create budgets, set the maximum limits and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. These cards assess your business financial situation and help you determine how much you should 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 is important to learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards are a way to secure the best rates of interest on business loans, and they can also offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Certain cards provide rewards for shopping and travel as well as others that are able to help build your credit score.
There are numerous credit card issuers to choose from, including Chase. But, you must consider the manner in which you use a particular credit card. It is important that you select the correct corporate credit card for your needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card an excellent option. This card gives you solid rewards for various purchase categories and even covers mobile phone expenses.