For those who are just beginning a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes it can be a bit confusing and overwhelming to apply for a business credit card. Here are some tips to learn about getting the credit card you need.
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Brex offers a wide range of financial services, including corporate credit cards, spend management, and expense management software. Brex offers a comprehensive financial solution to startups.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups build their credit history. The cardholders don’t have to pay any interest or provide an individual guarantee. Rather, applicants are evaluated by company business model and spending habits.
Applicants can have up to a 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 the Brex Corporate Credit Card You can earn rewards on purchases. Brex Travel offers four points when you book travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as an expense management tool. It comes with a myriad of benefits, including a fixed 1.5% cash back rate on all purchases. There are no annual fees and the card doesn’t have any other requirements, aside from having a credit score of at least.
For a business that is just beginning it is possible to reap the benefits of the low-interest business credit cards are a great deal. A business credit line with added security may be an option.
One of the most important benefits of a business low-interest 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 each month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards for startups. It provides many advantages, including a large sign up bonus along with purchase protection, as well as travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions to be found and the spending cap may be too low for your business. It’s also not the best points-earning strategy.
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On the other side the Ink Business Preferred Card offers many other beneficial features, such as liability insurance, primary car rental coverage as well as a shopping security. If you’re a small business owner, you’ll surely get these benefits.
Furthermore, the Ink Business Preferred Card is a great way to earn points. When you spend money in certain categories, you’ll earn three points per dollar you spend. For instance, if you charge $500 on purchases to your credit card during the first three months, you’ll receive an offer of 100,000 points.
If you’re a start-up business owner in search of a business credit card you might want look into Divvy. This kind of card comes with numerous benefits and features. It also allows you to keep track of your business expenses.
The Divvy app can be used alongside any other accounting software that allows users to view their financial expenses. The software lets you set a budget, limit spending and even request money. Additionally, Divvy lets you to set a spending limit for your employees.
Divvy also has a corporate card. These cards evaluate your business’s financial situation and decide on how much you’ll need to spend every month. Divvy doesn’t 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 for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the best rates of interest on business loans, and they can also offer valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash back. Some cards offer rewards for shopping and traveling while others can be used to improve your company’s credit score.
Apart from the top business credit cards offered by Chase There are other credit card issuers that you can turn to. However, you must think about the manner in which you make use of a specific credit card. It is crucial to select the correct business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card provides solid rewards on different categories of purchases and even covers employees’ cell phone bills.