For those who 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 however, the process of applying for the business credit card could be daunting and confusing. Here are a few things you should know about the process of obtaining the credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards and spend management as well as expense management software. Brex provides a complete financial solution for startups.
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 require personal guarantees. Instead, applicants are assessed by the business model of the company and spending habits.
Customers can get up to 100 percent credit limit. The limit is based on the amount of cash in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine the limit of its spending.
With a Brex Corporate Credit Card You can earn rewards on purchases. For instance, you could get four points on travel booked through Brex Travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as an expense management tool. The card offers a variety of benefits, including a flat 1.5% cashback rate on all purchases. The card has no annual fees and doesn’t require any other qualifications other than a good credit rating.
For a startup business benefiting from a business credit card with low interest can be extremely appealing. A business credit card that offers additional security might be an option.
A low-interest business credit cards are extremely convenient since you’re not juggling the hassle of managing multiple credit cards or worrying about how much money you can 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 well-known business credit cards that are designed for startups. It has many advantages, including a large sign up bonus along with purchase protection, along with travel perks. However, it also has several drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any introductory APR promotions to be found, and the spending limit may be too low for your business. In addition, it’s not exactly the most generous point-earning system.
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On the other hand however, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance, primary car rental coverage, and a shopping protection. As a small company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another excellent method to earn points. Spend in certain categories and you’ll earn three points per dollar. In this instance the case of spending $500 on purchases on your card within the first three months, you will get a 100,000 point welcome bonus.
Divvy
The Divvy card is a great choice for business owners who are just starting out seeking an business card. The card comes with a range of advantages and features. It also allows you to track your business expenses.
Divvy can be used with any external accounting software that allows users to monitor their financial expenses. The software allows you to create a budget, restrict spending and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards evaluate your business’s financial situation and decide on how much you’ll have to spend every month. Contrary to traditional business credit cards, Divvy is not a requirement for personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the highest interest rates for business loans and offer valuable rewards. For example the Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for shopping and travelling, and others can be used to help to build credit for your business.
There are many credit card issuers you could pick from, including Chase. It is important to consider the way you intend to use the credit card. It is essential to locate the best business credit card that will meet your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. The card provides solid rewards for various categories of purchases and even protects employees’ mobile phone costs.