If you’re thinking of creating your own business, the most important question is “Can I get my business credit card?” The answer is a resounding yes however the process of applying for the business credit card could be daunting and confusing. Here are some tips to be aware of the process of applying for a credit card.
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Brex 30
Brex provides a broad range of financial services, including corporate credit cards as well as spend management and expense management software. It offers a complete financial solution for new businesses.
The Brex Card, or Brex for Startups, is an account that helps entrepreneurs build credit histories. The applicants don’t have to pay interest or provide personal guarantees. Instead, applicants are evaluated on their business model and spending habits.
Credit limits of up to 100 percent are permitted for applicants. The limit is 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.
You can earn rewarding rewards with the Brex Corporate credit card. For example, you can earn four points on trips booked through Brex Travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a budget management tool. It offers a wide range of advantages, including a fixed 1.5 percent cashback on all purchases. There are no annual fees, and the card doesn’t require other requirements except for a good credit score.
A business credit card with low interest is a great option for startups. A business credit card that offers additional protection may be a viable 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 off each month. This is particularly 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 for new businesses. It provides many advantages, such as a huge reward for signing up as well as purchase protection and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR offers and the spending limit might not be suitable for your company. It’s not the most efficient point-earning option.
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On the other side the Ink Business Preferred Card offers numerous other useful features, including liability coverage in addition to primary car rental insurance and a shopping protection. As a small business owner, you’ll surely get these benefits.
Moreover to that, the Ink Business Preferred Card is an excellent way to earn points. If you make purchases in certain categories, you can earn 3 points per dollar you spend. In this case, if you spend $500 on purchases with your card in the first three months, you will get a 100,000 point welcome bonus.
Divvy
Divvy is a good option for business owners in the beginning looking for a business card. This kind of card comes with a range of benefits and features. It also lets you track your business expenses.
Divvy integrates with other accounting software, allowing users to view their financial expenses. You can then create budgets, set limits, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. The cards analyze your company’s finances and determine how much you can spend every month. Unlike traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy does not disclose any interest rates on its website. It is important to find out the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the highest rates of interest on business loans, and also provide valuable 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 traveling while others are able to help build your credit score.
In addition to the top business credit cards from Chase, there are other credit card issuers that you can choose from. However, you should consider how you will make use of a particular credit card. It is important to find a business credit card that is suitable for your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent option. The card gives you solid rewards on a variety of purchase categories and even protects employees’ mobile phone bills.