If you are thinking of creating your own business, the most important question you should ask yourself is “Can I get my business credit card?” The answer is a resounding yes but the process of getting an enterprise credit card can be daunting and confusing. Here are some things you should know about the process of getting a credit card.
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Brex offers a wide variety of financial services, such as corporate credit cards spending management, as well as expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups establish credit histories. Applicants don’t pay interest or provide personal guarantees. Instead, applicants are evaluated based on their company’s budget and business model.
Credit limits as high as 100 percent are permitted for applicants. This limit is determined by the amount that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards when you use the Brex Corporate credit card. Brex Travel offers four points to book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management system. It comes with a myriad of benefits including a flat 1.5 percent cash back rate on all purchases. The card does not have annual fees and doesn’t require any other requirements other than having a high credit score.
For businesses that are just starting out, the benefits of using a business credit card that is low-interest are a great deal. A business credit card with added security may be a good option.
A low-interest business credit cards are very convenient because you’re not burdened with the stress of managing multiple credit cards or worrying about how much money you’ll have to pay 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 sought-after business credit cards for startups. It provides many benefits, including a high reward for signing up, purchase protection, along with travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There are no introductory APR deals and the spend limit may not be appropriate for your business. It’s also not the most generous points-earning feature.
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On the other hand it is worth noting that the Ink Business Preferred Card offers several other valuable features, such as liability insurance and primary car rental coverage and a shopping insurance. As a small-scale company owner, you’ll certainly benefit from these perks.
Furthermore to that, the Ink Business Preferred Card is an excellent opportunity to earn points. When you spend in specific categories, you can earn three points per dollar you spend. For example, if you charge $500 on purchases to your card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
If you’re a startup business owner in search of an enterprise credit card you might want think about Divvy. This type of card comes with various benefits and features. You can also track your business expenses with this card.
Divvy integrates with other accounting software and enables users to view their the financial expenses. You can then 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 financial situation and decide on how much you’ll have to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure most competitive interest rates for business loans. They also offer rewards. For instance one card, the Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash back. Certain cards provide rewards for shopping and travel while others can be used to help improve your company’s credit score.
There are many credit card issuers that you can select from, including Chase. However, you should consider the manner in which you use a particular credit card. It is vital to find the right business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. The card gives you solid rewards on various purchase categories as well as protects employees’ mobile phone bills.