If you’re starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes but the process of applying for an enterprise credit card can be confusing and overwhelming. Here are a few points you should be aware of about the process of applying for a credit card.
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Brex 30
Brex offers a variety of financial services including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish their credit history. The cardholders don’t have to pay any interest and don’t have to offer personal guarantees. Instead applicants are evaluated based on their company’s budget and business model.
Credit limits as high as 100 percent are permitted for applicants. This limit is determined by the amount of money in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards using the Brex Corporate credit card. For instance, you’ll earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for 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 budget 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 doesn’t have other requirements, aside from a good credit score.
A low-interest business credit line is a great choice for startups. A business credit card that comes with additional protection may be a good option.
A low-interest business credit cards are extremely convenient since you’re not juggling the hassle of managing multiple cards or worrying about how much money you’ll have to pay each month. This is especially relevant if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for startup companies. It offers a range of benefits, such as the highest sign-up bonus, purchase protection, as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any APR introductory promotions available, and the spending limit may be too low for your company. This isn’t the most efficient points-earning strategy.
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The Ink Business Preferred Card, however it offers a number of additional useful features, such as liability coverage as well as primary car rental coverage shopping protection, and primary coverage for car rentals. If you’re a small company owner, you’ll certainly get these benefits.
The Ink Business Preferred Card is another great method to earn points. Spend in certain categories , and you’ll earn three points per dollar. For example, if you charge $500 in purchases to your card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divvy
The Divvy is a great option for business owners who are just starting out seeking an enterprise card. This card has a variety of benefits and features. You can also keep track of your business expenses by using this card.
Divvy integrates with other accounting software, and allows users to easily monitor the financial expenses. The program lets you make a budget, limit spending and even request money. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers corporate cards. The cards analyze your company’s finances and determine the amount you should spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is essential to know the interest rate of the company prior to you make an application.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the best interest rates on business loans, and they can also offer useful rewards. For example a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Some cards offer rewards for shopping and travel while others are able to help build your credit score.
There are numerous credit card issuers that you can pick from, including Chase. However, you should consider the way you intend to make use of a specific credit card. It is important to select a business credit card that will meet your particular needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. The card gives you solid rewards on different categories of purchases as well as protects employees’ mobile phone bills.
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