If you’re thinking of starting your own business, the most important question is “Can I get my business credit card?” While the answer is yes it can be challenging and overwhelming to apply for an enterprise credit card. Here are some things you need to know about the process of getting credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups establish their credit history. It doesn’t charge interest or have to provide personal guarantees. Instead, applicants are rated by the business model of the company and spending patterns.
Credit limits as high as 100 percent are permissible for applicants. This limit is determined by the amount of money the 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 valuable rewards on purchases. Brex Travel offers four points for booking travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management solution. It comes with a myriad of benefits including a standard 1.5% cash back rate on all purchases. The card does not have annual fees and doesn’t require any other conditions other than a good credit rating.
A low-interest business credit line is a great choice for businesses that are just starting out. You may also consider a business credit card that offers additional protection.
One of the main advantages of a low interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll be able to pay off every month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards that are designed for startups. It has many benefits, including a substantial reward for signing up, purchase protection, as well as travel perks. However, it does have some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR promotions to be found and the spending limit could be too low for your company. Furthermore, it’s not the most generous points-earning option.
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The Ink Business Preferred Card, however it offers a number of additional useful features such as liability coverage and primary coverage for car rentals shopping protection, and primary coverage for rental cars. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another great way to earn points. Spend in certain categories and earn 3 points for every dollar. In this example, if you spend $500 on purchases to your card in the first three months, you’ll receive a 100,000 point welcome bonus.
Divvy
The Divvy is a great option for business owners in the beginning looking for a business card. This card comes with a wide range of benefits and features. It also allows you to keep track of your business expenses.
Divvy can be used with any external accounting software to allow users to see their financial expenses. You can then create a budget, set limits on spending and request money. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers a corporate credit card. These cards assess your company’s financial situation and decide on how much you can spend 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 crucial to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure most favorable interest rates on business loans, and they can also provide valuable rewards. For example, a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash. Some cards offer rewards for purchases and travel while others can be used to build your credit score.
Aside from the best business credit cards offered by Chase and other credit card issuers you can turn to. However, you must think about the manner in which you make use of a particular credit card. It is essential to locate an enterprise credit card that meets your specific needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. The card provides solid rewards for various categories of purchases and even covers mobile phone bills.