If you are thinking of starting your own business, the most important thing to consider is “Can I get my business credit card?” While the answer is yes it can be a bit confusing and overwhelming to apply for a business credit card. Here are a few things you should know about the process of applying for credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards and spend management as well as expense management software. It offers a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups build their credit history. The applicants don’t have to pay interest or need to provide an individual guarantee. Instead, applicants are assessed by the business model of the company and spending habits.
Credit limits of up 100 percent are permitted for applicants. This limit is determined by the amount customers have 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 when you book travel. You can also receive three points for dining.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card as well as a spending management system. It offers a wide range of benefits, including a standard 1.5 percent cashback rate on all purchases. The card does not have annual charges and doesn’t need any other qualifications other than an excellent credit score.
A low-interest business credit line is a great option for businesses that are just starting out. A business credit card that offers added security may be a possibility.
One of the main advantages of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll have to pay off 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 well-known business credit cards for startups. It offers many benefits, including a substantial reward for signing up as well as purchase protection as well as travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any initial APR promotions and the spending limit may not be appropriate for your business. It’s also not the most effective points-earning program.
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The Ink Business Preferred Card, however, offers many other useful features, such as liability coverage primary coverage for car rentals shopping protection, and primary car rental coverage. As a small-scale business owner, you’ll definitely benefit from these perks.
Moreover it is worth noting that the Ink Business Preferred Card is an excellent method to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if you make a purchase of $500 to your card during the first three months, then you’ll be rewarded with the welcome bonus of 100,000 points.
Divide
If you’re a start-up business owner looking for a business credit card, you may want to think about Divvy. This kind of card comes with a range of advantages and features. You can also monitor your business expenses with this card.
Divvy is compatible with any external accounting software that allows users to view their financial expenses. You can then create a budget, set maximum limits and request money. It also lets you set an expense limit for your employees.
Divvy also offers a corporate credit card for companies. These cards assess your company’s financial situation and decide on how much you should spend every month. Contrary to traditional business credit cards, Divvy doesn’t require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards are the chance to secure best interest rates on business loans, and can also offer useful rewards. For example, a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Certain cards provide rewards for shopping and traveling and others 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 you can use. However, you must think about how you will utilize a specific credit card. It is crucial to choose an enterprise credit card that suits your specific needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. The card provides solid rewards for various categories of purchases and even covers mobile phone bills.