For those that are starting 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 a resounding yes, but the process of getting an official business credit card can be confusing and overwhelming. Here are some things you need to learn about getting the credit card you need.
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Brex 30
Brex provides a range of financial services like corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build credit histories. Applicants don’t pay interest or require personal guarantees. Instead, applicants are evaluated by the company’s business model and spending patterns.
Applicants can have up to 100 percent credit. The limit is determined by the amount a customer has in their Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. Brex Travel offers four points for booking travel. You can also get three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a budget management tool. The card offers a variety of benefits, including a flat 1.5% cashback rate on all purchases. There are no annual charges, and the card doesn’t have any other requirements other than having a credit score of at least.
A business credit card with a low-interest rate is a great option for those who are just starting out. A business credit line with additional security could be an option.
One of the main features 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 each month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up companies. It offers a range of benefits, such as an impressive sign-up bonus, purchase protection, and travel benefits. However, it also has a few drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR promotions to be found and the spending cap could be too low for your company. It’s not the most efficient point-earning option.
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The Ink Business Preferred Card, however provides a range of useful features, such as liability coverage and primary car rental coverage shopping protection, as well as primary coverage for car rentals. These benefits are perfect for small-scale business owners.
The Ink Business Preferred Card is another excellent method to earn points. Spend in certain categories and earn 3 points for every dollar. In this instance for example, if you spend $500 on purchases with your card in the first three months, you will receive a 100,000 point welcome bonus.
Divvy
If you’re a startup business owner looking for an account for business credit you might want look into Divvy. This kind of card comes with many advantages and features. It also lets you monitor your business expenses.
Divvy can be integrated with any external accounting software to allow users to monitor their financial expenses. The program lets you create a budget, restrict spending, and request funds. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards assess your business finances and assist you to decide on how much you’ll need to invest every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is essential to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be the opportunity to get the best rates of interest on business loans. They can also offer valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card gives you bonus points that could be converted to cash back. Certain cards provide rewards for shopping and travel while others can be used to to build credit for your business.
Aside from the best business credit cards from Chase, there are other credit card issuers you can choose from. However, you should think about how you will make use of a particular credit card. It is important to select an enterprise credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card offers solid rewards on different categories of purchases and even protects employees’ mobile phone bills.
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