For those who are just beginning an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes it can be confusing and overwhelming to apply for an enterprise credit card. Here are some tips to know about how to get credit card.
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Brex offers a wide range of financial services, including corporate credit cards as well as spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups build their credit score. The applicants don’t have to pay interest and don’t have to provide an individual guarantee. Instead, applicants are evaluated by the business model of the company and spending patterns.
Credit limits as high as 100 percent are available to applicants. The limit is determined by the amount of money in a 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 significant rewards on purchases. For instance, you could earn four points on trips booked through Brex Travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management tool. It comes with a myriad of benefits including a flat 1.5% cash back rate on all purchases. The card is free of annual fees and does not have any other qualifications other than an excellent credit score.
For a business that is just beginning, the benefits of using a low-interest business credit card can be extremely appealing. A business credit card with additional security could be a viable option.
One of the key advantages of a low interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you can afford to pay off every month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards available to start-up companies. It provides many advantages, such as a huge sign-up bonus and purchase protection as well as travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any introductory APR promotions available, and the spending limit may be too low for your business. This isn’t the most efficient points-earning strategy.
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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 and primary car rental coverage, and a shopping protection. As a small business owner, you’ll definitely get these benefits.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in specific categories, you can earn three points for every dollar you spend. In this case when you spend $500 on purchases made with your card within the first three months, you will be awarded a 100,000 points welcome bonus.
Divvy is an excellent choice for startup business owners looking for an business card. This card offers a variety of advantages and features. It also allows you to keep track of your business expenses.
Divvy can be used with accounting software and enables users to quickly view the financial expenses. The software lets you create a budget, restrict spending and even request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards assess your business’ finances and help you decide how much money you’ll need to invest every month. Contrary to traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards are the opportunity to get the best interest rates on business loans, and can also offer useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Certain cards provide rewards for shopping and travelling as well as other cards that can be used to improve your company’s credit score.
There are numerous credit card issuers to choose from, including Chase. But, you must consider the ways you will make use of a specific credit card. It is important to find a business credit card that suits your particular needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card is a great way to earn rewards for various categories of purchases and even covers cell phone bills.