For those who are just beginning a business, one of the most important questions they’ll have 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 a business credit card. Here are some tips to be aware of before obtaining credit card.
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Brex provides a variety of financial services, such as corporate credit cards, 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 a credit card that assists start-ups establish their credit histories. It doesn’t charge interest or provide personal guarantees. Instead applicants are evaluated on their company’s business model and spending habits.
Users can get a 100 percent credit limit. This limit is determined by the amount of money customers have in their Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn valuable rewards by using a Brex Corporate credit card. Brex Travel offers four points to book travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card as well as a spending management solution. The card comes with a range of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual fees and the card does not have other requirements except for having a credit score of at least.
A business credit card with a low-interest rate is a great option for startups. A business credit card that comes with additional security could be an option.
One of the primary benefits of a business low-interest credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll have to pay off every month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for new businesses. It provides a wide range of benefits, including an excellent sign-up bonus purchase protection, and travel perks. However, it has a few drawbacks.
The Ink Business Preferred Card isn’t ideal, however. 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 points-earning program.
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The Ink Business Preferred Card, on the other hand it offers a number of additional useful features, including liability coverage primary car rental coverage shopping protection, as well as primary coverage for rental cars. These perks are perfect for small-scale business owners.
The Ink Business Preferred Card is another great method to earn points. Spend in certain categories and you’ll earn three points per dollar. In this case for example, if you spend $500 on purchases made with your card within the first three months, you will receive a 100,000-point welcome bonus.
The Divvy card is a great choice for startup business owners seeking business cards. This kind of card comes with various benefits and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software, and allows users to easily view the financial expenses. The software lets you set a budget, limit spending, and request funds. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business finances and assist you to decide how much money you’ll need to spend every month. Unlike traditional business credit cards, Divvy is not a requirement for an individual guarantee.
However, Divvy doesn’t disclose 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 secure the highest interest rates for business loans, and also provide valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Certain cards provide rewards for shopping and traveling as well as others that can be used to boost your credit score.
Aside from the best business credit cards offered by Chase and other credit card issuers you can turn to. You should also consider what you intend to do with the credit card. It is important to find the best business credit card that suits your specific needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card provides solid rewards for a variety of purchase categories and even covers mobile phone expenses.