For those who are starting a business, one of the most important questions they’ll have 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 tips to know about how to get an credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards and spend management as well as expense management software. It offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups establish their credit histories. It doesn’t charge interest or need to provide personal guarantees. Instead the applicants are evaluated on their company’s business model and spending habits.
Credit limits up to 100 percent are available to applicants. This limit is by the amount of cash in the customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its limit for spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and a spend management system. It offers a wide range of benefits, including a standard 1.5 percent cashback rate on all purchases. There are no annual fees, and the card does not have other requirements aside from having a high credit score.
A business credit card with low interest is a great choice for those who are just starting out. A business credit card that comes with additional protection may be a good option.
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 have to pay 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 best business credit cards for new businesses. It comes with a range of advantages, including a high sign-up bonus, purchase security, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be the perfect choice for your business. There are no introductory APR promotions to be found, and the spending cap may be too low for your business. It’s not the most efficient points-earning feature.
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On the other hand the Ink Business Preferred Card offers a lot of other useful features, including liability coverage in addition to primary car rental insurance and a shopping protection. As a small-scale company owner, you’ll certainly get these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in specific categories and you’ll earn three points per dollar. In this instance, if you spend $500 on purchases on your card within the first three months, you’ll receive a 100,000-point welcome bonus.
Divvy
If you’re a new business owner in search of an enterprise credit card you might want to look into Divvy. This type of card offers various advantages and features. You can also track your business expenses with this card.
Divvy can be integrated with any accounting software to allow users to view their financial expenses. You can then create budget, set maximum limits and request money. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards evaluate your business financial situation and help you decide how much money you should spend each month. Unlike traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards are the chance to secure most favorable interest rates on business loans, and can also offer useful rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted into cash back. Some cards offer rewards for shopping and travelling as well as other cards that can be used to help improve your company’s credit score.
In addition to the top business credit cards offered by Chase but there are many other credit card issuers that are available to. However, you must think about how you will use a particular credit card. It is crucial to choose a business credit card that meets your specific needs.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. The card is a good option for earning rewards for various categories of purchases and even will pay for employees’ mobile phone expenses.