For those who are just beginning an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes but the process of getting the business credit card could be daunting and confusing. Here are some things you need to be aware of when applying for the credit card you need.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. Applicants don’t pay interest or provide a personal guarantee. Instead, applicants are evaluated on their financial model and spending habits.
Credit limits of up to 100 percent are available to applicants. The limit is determined based on the amount of money in the 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. Brex Travel offers four points for booking travel. Additionally, you can earn three points on dining.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management tool. The card comes with a host of benefits including a standard 1.5 percent cash-back rate on all purchases. The card is free of annual charges and doesn’t need any other requirements other than an excellent credit score.
For a startup business one of the advantages of using the low-interest business credit cards are a great deal. A business credit card with added security may be a good option.
Business credit cards with low interest are very convenient because 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 relevant if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for startup businesses. It comes with a variety of advantages, including a large sign-up bonus, purchase protection, along with travel perks. It has some downsides.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any APR introductory promotions available, and the spending limit may be too low for your company. It’s also not the most effective point-earning option.
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On the other side however, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These benefits are perfect for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in certain categories, you can earn three points for every dollar you spend. In this case, if you spend $500 on purchases made with your card within the first three months, you’ll receive a 100,000 point welcome bonus.
Divide
If you’re a business owner looking for an account for business credit you might want look into Divvy. This card offers a variety of benefits and features. It also lets you keep track of your business expenses.
The Divvy app can be used alongside any other accounting software to allow users to see their financial expenses. You can then create budgets, set limits, and request funds. It also lets you set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for businesses. These cards review your company’ finances and help you decide how much money you’ll need to spend every month. Unlike traditional business credit cards, Divvy doesn’t require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to be aware of the company’s rates prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most favorable rates of interest for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash or cash back. Certain cards provide rewards for travel and shopping as well as others that can be used to improve your credit score.
There are a myriad of credit card issuers that you can choose from, including Chase. You should also consider how you will use the credit card. It is vital to select the correct corporate credit card for your requirements.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. This card offers solid rewards on different categories of purchases and even covers employees’ cell phone bills.
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