If you are thinking of creating a business, the most important question is “Can I get my business credit card?” Although the answer is yes it can be difficult and confusing to apply for an enterprise credit card. Here are some tips to be aware of the process of obtaining an credit card.
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Brex offers a variety of financial products, including corporate credit cards, spend management and expense management software. Brex offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups build their credit history. The cardholders don’t have to pay any interest and don’t have to provide a personal guarantee. Instead, applicants are assessed by company business model and spending habits.
Credit limits up to 100 percent are allowed for applicants. The limit is determined based on 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 significant rewards when you use a Brex Corporate credit card. For instance, you’ll earn four points on trips booked through Brex Travel. You can also get three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spend management tool. It comes with a myriad of benefits, including a fixed 1.5% cash back rate on all purchases. The card is free of annual fees and doesn’t require any other conditions other than having a high credit score.
A business credit card with low interest is a great option for new businesses. It is also possible to think about a business credit card which offers additional security.
One of the most important features of a low-interest business credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll be able to pay off every month. This is especially applicable if you’re planning to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for new businesses. It provides a wide range of benefits, like the highest sign-up bonus, purchase protection, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any introductory APR promotions available, and the spending limit could be too low for your company. In addition, it’s not exactly the most generous point-earning system.
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On the other hand, the Ink Business Preferred Card offers several other valuable features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. If you’re a small-sized company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and earn three points per dollar. In this instance when you spend $500 on purchases made with your card within the first three months, you will receive a 100,000-point welcome bonus.
Divvy is a good option for business owners in the beginning looking for an enterprise card. This type of credit card provides many benefits and features. You can also track your business expenses with this card.
The Divvy app can be used with any external accounting software that allows users to view their financial expenses. The program lets you set a budget, limit spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards review your company finances and assist you to decide how much money you can spend every 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 crucial to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the best rates of interest on business loans, and can also offer valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash back. Some cards offer rewards for shopping and travel as well as others that can be used to boost your credit score.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers that you can choose from. However, you should consider how you will make use of a specific credit card. It is crucial to choose a business credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card offers solid rewards for a variety of purchase categories and even protects employees’ mobile phone bills.