For those who are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes however the process of getting an enterprise credit card can be confusing and overwhelming. Here are some tips to be aware of when applying for a credit card.
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Brex offers a variety of financial services like corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for new businesses.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups build their credit history. Applicants don’t pay interest and don’t have to offer an individual guarantee. Instead, applicants are evaluated based on their budget and business model.
Credit limits as high as 100 percent are allowed for applicants. This limit is determined based on the amount of money that is in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards by using the Brex Corporate credit card. Brex Travel offers four points to book travel. You can also get three points when 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 percent cash back rate on all purchases. The card is free of annual fees and doesn’t have any other conditions other than a good credit rating.
A low-interest business credit line is a great option for startups. A business credit card that comes with added security may be an option.
A business credit card with a low-interest rate 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 especially true if are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards designed for entrepreneurs. It provides a wide range of benefits, including the highest sign-up bonus, purchase protection, and travel perks. However, it does have a few drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any initial APR promos and the spending limit might not be suitable for your business. Furthermore, it’s not the most generous points-earning program.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features, including liability coverage, primary car rental coverage shopping protection, as well as primary coverage for car rentals. These benefits are perfect for small-scale business owners.
Moreover it is worth noting that the Ink Business Preferred Card is an excellent method to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For instance, if charge $500 on purchases to your card in the first three months, then you’ll be rewarded with a welcome bonus of 100,000 points.
The Divvy card is a great choice for business owners who are just starting out looking for a business card. This type of card comes with various benefits and features. You can also track your business expenses with this card.
Divvy is compatible with any accounting software to allow users to see their financial expenses. You can create budget, set maximum limits and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards look at your company’s finances and determine how much you’ll have to spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most favorable rates of interest for business loans. They also offer rewards. For instance the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Certain cards provide rewards for shopping and travel, while others can be used to build your credit score.
In addition to the top business credit cards offered by Chase, there are other credit card issuers that you can use. However, you should consider the way you intend to utilize a specific credit card. It is vital to find the right business credit card for your needs.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card offers solid rewards for various purchase categories and even protects employees’ mobile phone costs.