For those who are just beginning the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes but the process of obtaining an official business credit card can be overwhelming and confusing. Here are some things you need to learn about getting an credit card.
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Brex offers a variety of financial services including corporate credit cards along with spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit history. The cardholders don’t have to pay any interest and don’t need to offer an individual guarantee. Instead, applicants are evaluated based on their company’s budget and business model.
Customers can get up to 100 percent credit limit. 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 the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spending management tool. The card comes with a variety of benefits, including a fixed 1.5% cash back rate on all purchases. The card does not have annual fees and doesn’t require any other requirements other than having a credit score of at least.
A low-interest business credit card is a great choice for businesses that are just starting out. You may also want to think about a business credit card that offers additional protection.
One of the most important advantages of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about the amount you can afford to pay off 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 best business credit cards available to start-up businesses. It offers many advantages, such as a huge initial bonus along with purchase protection, as well as travel perks. However, it has several drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any APR introductory promotions to be found, and the spending cap may be too low for your business. It’s also not the most generous points-earning option.
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The Ink Business Preferred Card, however, offers many other useful features, such as liability coverage as well as primary car rental coverage, shopping protection, and primary coverage for car rentals. As a small-scale business owner, you’ll definitely enjoy these benefits.
The Ink Business Preferred Card is another excellent method to earn points. Spend in certain categories and earn three points per dollar. In this case the case of spending $500 on purchases with your card within the first three months, you’ll receive a 100,000 point welcome bonus.
The Divvy card is a great choice for business owners who are just starting out looking for an enterprise card. This kind of card comes with many benefits and features. It also allows you to keep track of your business expenses.
Divvy is compatible with any external accounting software that allows users to look at their financial expenses. You can create budgets, set the limits on spending and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also has corporate cards. These cards look at your company’s finances and determine how much you’ll have to spend each month. Unlike traditional business credit cards, Divvy does NOT require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. It is essential to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to get the most favorable interest rates for business loans and provide valuable rewards. For instance a Chase Ultimate Rewards business credit card offers bonus points that can translate to cash back. Some cards offer rewards for purchases and travel as well as others that can be used to boost your credit score.
Aside from the best business credit cards offered by Chase and other credit card issuers you can turn to. However, you should consider the manner in which you make use of a particular credit card. It is important to select the right business credit card that will meet your specific needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. The card gives you solid rewards for various categories of purchases as well as protects employees’ mobile phone bills.