For those that are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes, but the process of applying for an official business credit card can be a bit overwhelming and confusing. Here are a few things you should know about the process of obtaining a credit card.
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Brex provides a variety of financial services, including corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups establish credit histories. Applicants don’t pay interest and don’t have to provide a personal guarantee. Instead applicants are evaluated on their budget and business model.
The applicants can enjoy up to 100 percent credit. The limit is determined by the amount of cash in a customer’s Brex Cash account. Every day the Brex Card draws from the account to determine the limit of its spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points when you book travel. You can also earn three points on dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spending management tool. The card comes with a variety of benefits, including a fixed 1.5% cash back rate on all purchases. The card doesn’t have annual fees and doesn’t have any other requirements than a good credit rating.
If you are a new business one of the advantages of using a low-interest business credit card could be very appealing. You may also look into a business credit card with additional protection.
A low-interest business credit cards are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about how much money you’ll be able to afford each month. This is particularly important if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It offers a variety of benefits, such as a high sign-up bonus, purchase protection, and travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR offers and the spending limit might not be suitable for your company. It’s also not the most generous points-earning feature.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features, including liability coverage, primary car rental coverage shopping protection, as well as primary coverage for rental cars. As a small company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another great way to earn points. When you spend money in certain categories, you’ll earn three points for every dollar you spend. For example, if you add $500 worth of purchases to your card during the first three months, you’ll receive the welcome bonus of 100,000 points.
If you’re a new business owner looking for a business credit card you might want to look into Divvy. This type of credit card provides various benefits and features. You can also keep track of your business expenses by using this card.
Divvy can be integrated with any accounting software to allow users to look at their financial expenses. You can create budgets, set the maximum limits and request money. It also lets you set the spending limit for your employees.
Divvy also has corporate cards. These cards analyze your business finances and allow you to decide what amount of money you’ll need to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the best rates of interest on business loans, and can also offer valuable rewards. For example, a Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash. Some cards offer rewards for shopping and travel and some can be used to build your business’s credit.
In addition to the top business credit cards from Chase, there are other credit card issuers you can turn to. You should also think about what you intend to do with the credit card. It is important to select the best business credit card that meets your specific needs.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card gives you solid rewards on various purchase categories and even will pay for employees’ cell phone bills.