For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes, it can be difficult and confusing to apply for a business credit card. Here are some things you need to learn about getting credit card.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards spending management, as well as expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that helps entrepreneurs build credit histories. It doesn’t charge interest and don’t have to provide personal guarantees. Instead the applicants are evaluated based on their business model and their spending habits.
The applicants can enjoy up to 100 percent credit limit. This limit is determined by the amount of money customers have in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card You can earn rewards on purchases. For instance, you’ll earn four points on trips booked through Brex Travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a budget management tool. The card comes with a variety of benefits including a standard 1.5 percent cash back rate on all purchases. There are no annual charges, and the card doesn’t have any other requirements, aside from having a high credit score.
For a startup business one of the advantages of using the low-interest business credit cards could be very appealing. A business credit card that offers added security may be a possibility.
A low-interest business credit card are very convenient because you don’t have to worry of managing multiple cards or worrying about the amount of money you’ll have to pay each month. This is particularly relevant if you’re trying 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 offers many benefits, including a substantial sign up bonus as well as purchase protection along with travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promos and the spending limit might not be suitable for your business. It’s also not the most effective point-earning option.
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On the other hand the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance as well as a shopping security. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another great method to earn points. When you spend in certain categories, you’ll earn 3 points for every dollar you spend. For instance, if you make a purchase of $500 to your card in the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
Divvy
If you’re a start-up business owner looking for an account for business credit you might want think about Divvy. This type of credit card provides numerous benefits and features. You can also keep track of your business expenses by using this card.
Divvy can be used with any accounting software to allow users to look at their financial expenses. You can create budgets, set maximum limits and request money. It also lets you set an amount of money you can spend for your employees.
Divvy also offers a corporate card. These cards assess your business financial situation and help you decide how much money you can spend each month. As opposed to traditional business credit card, Divvy is not a requirement for personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to understand the company’s rate before submitting an application.
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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 offers bonus points that can translate to cash back. Some cards offer rewards for shopping and travel, while others are able to help build your credit score.
There are many credit card issuers to select from, including Chase. However, you must think about the ways you will use a particular credit card. It is important that you choose the appropriate business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card offers solid rewards across a variety of categories and even protects employees’ mobile phone expenses.