For those who are just beginning a business, one 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 getting an enterprise credit card can be confusing and overwhelming. Here are some things to learn about getting the credit card you need.
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Brex provides a range of financial services , including corporate credit cards spending management, as well as expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups build their credit history. It doesn’t charge interest or need to provide a personal guarantee. Instead applicants are evaluated based on their company’s business model and spending habits.
Applicants can have up to 100 percent credit limit. The limit is determined based on the amount of cash 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 valuable rewards on purchases. 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 a all-in-one small business credit card and spend management solution. It comes with a myriad of benefits including a flat 1.5 percent cash back rate on all purchases. The card doesn’t have annual charges and doesn’t need any other qualifications other than a good credit rating.
For businesses that are just starting out, the benefits of using the low-interest business credit cards can be extremely appealing. It is also possible to consider a business credit card with additional protection.
A low-interest business credit card are very convenient because you don’t have the worry of managing multiple credit cards or worrying about the amount of you can manage each month. This is especially true if you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It offers a range of benefits, like an impressive sign-up bonus, purchase protection, and travel benefits. However, it does have some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any promotional APR promotions available, and the spending limit may be too low for your company. It’s not the most efficient points-earning program.
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On the other hand, the Ink Business Preferred Card offers numerous other useful features, including liability coverage and primary car rental coverage and a shopping insurance. These benefits are ideal for small-scale business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in certain categories, you’ll earn three points for every dollar you spend. For example, if you charge $500 in purchases to your card in the first three months, you’ll get an offer of 100,000 points.
The Divvy card is a great choice for startup business owners seeking a business card. This kind of card comes with various advantages and features. You can also keep track of your business expenses by using this card.
Divvy is compatible with external accounting software and enables users to easily view financial expenses. You can create a budget, set maximum limits and 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 financial situation and decide on how much you’ll have to spend every month. Contrary to traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the best rates of interest on business loans. They can also offer valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash or cash back. Some cards offer rewards for travel and shopping as well as others that can be used to build your credit score.
There are a variety of credit card issuers to choose from, including Chase. But, you must consider the ways you will use a particular credit card. It is important to find the best business credit card that suits your specific requirements.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card provides solid rewards on different categories of purchases, and it even will pay for employees’ cell phone bills.