For those who are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While there is a yes answer, it can be daunting and confusing to apply for an enterprise credit card. Here are some things to know about how to get a credit card.
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Brex provides a broad range of financial services, including corporate credit cards spending management, as well as expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish credit histories. Applicants don’t pay interest or require an individual guarantee. Instead, applicants are rated by company business model and spending habits.
Credit limits up to 100 percent are permitted for applicants. The limit is determined based on the amount of money in a customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn significant rewards with the Brex Corporate credit card. Brex Travel offers four points to book travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spend management tool. It offers a wide range of benefits, including a flat 1.5% cashback rate on all purchases. The card is free of annual charges and doesn’t need any other requirements other than a good credit rating.
A low-interest business credit line is a great choice for those who are just starting out. A business credit card that comes with additional protection may be a good option.
Business credit cards with low interest are extremely convenient since you don’t have to worry of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is particularly true if you’re looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards designed for start-up businesses. It comes with a range of benefits, like a high sign-up bonus, purchase protection, as well as travel perks. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions to be found, and the spending cap could be too low for your company. It’s not the most efficient point-earning option.
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The Ink Business Preferred Card, on the other hand, offers many other useful features like liability insurance, primary car rental coverage, shopping protection, and primary coverage for rental cars. These benefits are ideal for small-scale business owners.
Moreover, the Ink Business Preferred Card is a great method to earn points. If you make purchases in certain categories, you’ll earn three points for every dollar you spend. For example, if you make a purchase of $500 to your card in the first three months, then you’ll be rewarded with a welcome bonus of 100,000 points.
If you’re a start-up business owner in search of a credit card for business you might want consider Divvy. This type of card comes with numerous benefits and features. You can also keep track of your business expenses using this card.
Divvy is compatible alongside any other accounting software that allows users to see their financial expenses. You can then create budget, set maximum limits and request money. It also lets you set an expense limit for your employees.
Divvy also offers a corporate credit card for companies. These cards evaluate your business’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 doesn’t disclose interest rates on its website. It is important 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 used to secure best rates of interest for business loans and offer valuable rewards. For example, a Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash. Certain cards provide rewards for shopping and travel as well as others that can be used to improve your credit score.
Apart from the top business credit cards from Chase but there are many other credit card issuers you can use. But, you must consider the manner in which you utilize a specific credit card. It is essential to select the correct corporate credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. The card provides solid rewards for a variety of purchase categories and even covers employees’ mobile phone bills.
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