If you are thinking of creating 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 it can be daunting and confusing to apply for an enterprise credit card. Here are some points you should be aware of about the process of applying for an credit card.
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Brex provides a range of financial services like corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution to startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build their credit score. It doesn’t charge interest or require an individual guarantee. Rather, applicants are evaluated on the basis of their business model and spending habits.
Credit limits of up 100 percent are permissible for applicants. The limit is determined by the amount the customer has in their 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 significant rewards on purchases. Brex Travel offers four points for booking travel. You can also 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 be used as a spending management tool. It comes with a myriad of benefits, including a flat 1.5% cash back rate on all purchases. The card does not have annual fees and doesn’t have any other requirements than having a high credit score.
A business credit card with low interest is a great choice for businesses that are just starting out. A business credit card that offers added security may be a viable option.
A low-interest business credit card are very convenient because you’re not juggling the hassle of managing multiple cards or worrying about how much you can manage each month. This is particularly true if you’re looking to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It offers a range of advantages, including an impressive sign-up bonus, purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any introductory APR promotions available, and the spending cap could be too low for your business. Furthermore, it’s not the most generous points-earning feature.
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On the other side it is worth noting that the Ink Business Preferred Card offers many other beneficial 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 method to earn points. When you spend in certain categories, you’ll earn three points per dollar you spend. In this case the case of spending $500 on purchases on your card within the first three months, you will get a 100,000 point welcome bonus.
Divvy is a good option for startup business owners seeking an enterprise card. This type of card offers a range of advantages and features. It also allows you to track your business expenses.
Divvy works with external accounting software that allows users to quickly view financial expenses. You can create a budget, set limits, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also has a corporate card. The cards analyze your company’s finances and decide how much you should spend every month. Contrary to traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most competitive rates of interest on business loans, and also provide valuable rewards. For example the Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash back. Some cards offer rewards for shopping and travel while others are able to help build your credit score.
In addition to the top business credit cards from Chase but there are many other credit card issuers that you can use. However, you should think about the ways you will utilize a specific credit card. It is crucial to choose a business credit card that suits your specific needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent option. This card is a great way to earn rewards for various categories of purchases and also covers employees’ cell phone bills.