If you are thinking of starting your own business, the most important question you should ask yourself is “Can I get my business credit card?” The answer is yes however, the process of obtaining an enterprise credit card can be daunting and confusing. Here are some tips to be aware of the process of obtaining credit card.
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Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. It offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups establish their credit histories. The applicants don’t have to pay interest or have to provide an individual guarantee. Instead the applicants are evaluated on their company’s financial model and spending habits.
Credit limits up to 100 percent are permitted for applicants. The 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.
You can earn significant rewards using the Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also receive three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as an expense management tool. The card offers a slew of benefits including a flat 1.5 percent cash back rate on all purchases. The card does not have annual fees and does not have any other qualifications other than having a high credit score.
A business credit card with a low-interest rate is a great choice for new businesses. A business credit card with additional security might be a good option.
A low-interest business credit cards are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of you can manage each month. This is particularly true if you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards that are designed for startups. It offers a variety of benefits, including a high sign-up bonus, purchase protection, as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR promotions available, and the spending cap could be too low for your business. It’s also not the best point-earning option.
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On the other hand it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. If you’re a small company owner, you’ll certainly enjoy these benefits.
Moreover to that, the Ink Business Preferred Card is a great method to earn points. When you spend in specific categories, you can earn 3 points per dollar you spend. For instance, if make a purchase of $500 to your credit card within the first three months, you’ll receive a welcome bonus of 100,000 points.
The Divvy is a great option for entrepreneurs who are starting their business and seeking business cards. The card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy works with external accounting software that allows users to easily monitor the financial expenses. The program allows you to make a budget, limit spending and request money. Divvy also allows you to set the spending limit for your employees.
Divvy also offers corporate cards. These cards review your company finances and assist you to determine how much you can spend each month. In contrast to traditional business credit cards, Divvy is not a requirement for a personal 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 apply.
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Chase Ultimate Rewards
Business credit cards provide a way to secure the best rates of interest on business loans, and they can also offer valuable rewards. For example a Chase Ultimate Rewards business credit card offers bonus points that could be converted to cash back. Certain cards provide rewards for shopping and travel and 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 turn to. You should also think about the way you intend to use the credit card. It is vital to select the correct business credit card that meets your requirements.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card offers solid rewards on various purchase categories and also covers cell phone bills.