If you are thinking of starting your own business, the most important question you should ask yourself is “Can I get my business credit card?” While there is a yes answer but it can be difficult and confusing to apply for a business credit card. Here are some things you need to be aware of when applying for a credit card.
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Brex 30
Brex offers a variety of financial services like corporate credit cards along with spend management and expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups establish credit histories. Applicants don’t pay interest or offer an individual guarantee. Instead, applicants are evaluated based on their budget and business model.
Users can get 100 percent credit. This limit is determined by 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 substantial rewards on purchases. Brex Travel offers four points for booking travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management solution. The card offers a slew of benefits including a standard 1.5 percent cash back rate on all purchases. The card is free of annual fees and doesn’t have any other requirements other than an excellent credit score.
A business credit card with low interest is a great choice for new businesses. A business credit card with additional security could be a possibility.
A business credit card with a low-interest rate are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of you can manage each month. This is particularly true if you are looking 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 provides a wide range of benefits, like an impressive sign-up bonus, purchase protection, and travel perks. However, it has some disadvantages.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any introductory APR promotions to be found, and the spending limit could be too low for your company. It’s also not the most generous point-earning system.
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On the other side the Ink Business Preferred Card offers a lot of other useful features, including liability coverage, primary car rental coverage and a shopping insurance. As a small-scale business owner, you’ll surely benefit from these perks.
The Ink Business Preferred Card is another great way to earn points. Spend in certain categories and you’ll earn three points per dollar. For example for example, if you spend $500 on purchases with your card within the first three months, you will be awarded a 100,000 points welcome bonus.
Divvy
Divvy is a good option for business owners who are just starting out seeking an business card. This card has a variety of benefits and features. It also lets you track your business expenses.
Divvy works with external accounting software, allowing users to quickly view financial expenses. The program lets you make a budget, limit spending and even request money. It also lets you set the spending limit for your employees.
Divvy also has a corporate card. These cards assess your business financial situation and help you determine how much you’ll need to invest every month. Contrary to traditional business credit cards, Divvy is not a requirement for personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards are the opportunity to get the highest interest rates for business loans, and they can also offer useful rewards. For example the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Some cards offer rewards for shopping and travel, while others can be used to improve your credit score.
There are a myriad of credit card issuers to pick from, including Chase. You must also think about what you intend to do with the credit card. It is essential to locate a business credit card that is suitable for your specific requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card offers solid rewards for a variety of purchase categories and even will pay for employees’ mobile phone bills.