If you’re thinking about starting your own business, the first important question you should ask yourself is “Can I get my business credit card?” The answer is a resounding yes but the process of applying for a business credit card can be a bit overwhelming and confusing. Here are a few tips to be aware of the process of applying for the credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards as well as spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups establish their credit history. The applicants don’t have to pay interest or need to provide a personal guarantee. Rather, applicants are evaluated by the company’s business model and spending patterns.
Credit limits up to 100 percent are allowed for applicants. This limit is by the amount of cash in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points for booking travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management system. The card comes with a variety of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and doesn’t have any other conditions other than a good credit rating.
A low-interest business credit card is a great option for businesses that are just starting out. A business credit card that comes with added security may be a viable option.
A business credit card with a low-interest rate are extremely convenient since you don’t have the worry of managing multiple credit cards or worrying about the amount of money you’ll be able to afford 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 new businesses. It offers many advantages, such as a huge initial bonus and purchase protection as well as travel benefits. It does have some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions and the spending limit may not be appropriate for your business. This isn’t the most efficient points-earning strategy.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage and primary car rental coverage and a shopping protection. If you’re a small-sized business owner, you’ll surely benefit from these benefits.
Additionally it is worth noting that the Ink Business Preferred Card is an excellent opportunity to earn points. If you make purchases in certain categories, you’ll earn three points per dollar you spend. For example, if you charge $500 on purchases to your card during the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divide
If you’re a new business owner in search of an enterprise credit card you might want to think about Divvy. This card offers a variety of benefits and features. You can also keep track of your business expenses by using this card.
The Divvy app can be used with any accounting software to allow users to view their financial expenses. The software lets you create a budget, restrict spending and even request money. You can also set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards look at your company’s financial situation and decide on how much you can spend each month. Unlike traditional business credit cards, Divvy does not require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to find out the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards offer the chance to secure best interest rates on business loans, and are also able to provide 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 travel and shopping as well as other cards that can be used to improve your company’s credit score.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers that you can use. You should also think about what you intend to do with the credit card. It is important to find an enterprise credit card that is suitable for your specific requirements.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card a great option. This card is a great way to earn rewards on a variety of purchase categories as well as covers cell phone bills.
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