If you’re thinking about creating your own business, the first important question to ask is “Can I get my business credit card?” The answer is yes however the process of obtaining an official business credit card can be a bit overwhelming and confusing. Here are some tips to learn about getting an credit card.
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Brex 30
Brex offers a variety of financial products, including corporate credit cards, spend management and 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 entrepreneurs build credit histories. Applicants don’t pay interest or have to provide a personal guarantee. Instead, applicants are rated by the company’s business model and spending habits.
Customers can get up to a 100 percent credit limit. This limit is determined by the amount of money the customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine the limit of its spending.
You can earn rewards with the Brex Corporate credit card. Brex Travel offers four points when you 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 and spending management tool. It comes with a myriad of benefits including a flat 1.5 percent cash-back rate on all purchases. There are no annual charges, and the card doesn’t have other requirements aside from a good credit score.
A low-interest business credit line is a great choice for those who are just starting out. You may also think about a business credit card which offers additional security.
Business credit cards with low interest are very convenient because you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll have to pay each month. This is especially true if are 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 has many benefits, including a substantial reward for signing up and purchase protection and travel perks. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR promotions to be found and the spending cap may be too low for your business. It’s not the most efficient point-earning option.
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The Ink Business Preferred Card, however it offers a number of additional useful features, such as liability coverage, primary coverage for car rentals, shopping protection, and primary car rental coverage. As a small-scale company owner, you’ll certainly enjoy these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and earn three points per dollar. For example for example, if you spend $500 on purchases on your card within the first three months, you’ll get a 100,000 point welcome bonus.
Divide
Divvy is an excellent choice for startup business owners seeking an enterprise card. This type of card comes with numerous benefits and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software that allows users to quickly view financial expenses. The software lets you make a budget, limit spending and even request money. You can also set the spending limit for your employees.
Divvy also offers corporate cards. These cards evaluate your business finances and allow you to decide on how much you’ll need to invest every month. Unlike 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 important to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive interest rates for business loans and provide 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 purchases and travel as well as others that are able to help build your credit score.
In addition to the top business credit cards offered by Chase and other credit card issuers that you can choose from. However, you should think about the manner in which you utilize a specific credit card. It is essential to find the right corporate credit card for your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card offers solid rewards for various categories of purchases, and it even protects employees’ mobile phone bills.