For those who are just beginning a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer it can be confusing and overwhelming to apply for a business credit card. Here are some things you need to know about the process of obtaining 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 entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build credit histories. The applicants don’t pay interest or provide an individual guarantee. Instead, applicants are assessed by the company’s business model and spending patterns.
Credit limits up to 100 percent are allowed for applicants. The limit is determined by the amount of money that is in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its limit for spending.
You can earn rewards by using the Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as an expense management tool. The card provides a range of benefits, including a simple 1.5% cashback rate on all purchases. The card doesn’t have annual fees and does not have any other qualifications other than a good credit rating.
A low-interest business credit line is a great option for startups. You may also want to think about a business credit card that offers additional protection.
One of the main advantages of a low interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll be able to pay every month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards that are designed for startups. It provides a wide range of benefits, such as a high sign-up bonus, purchase security, and travel perks. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any introductory APR deals and the spend limit might not be suitable for your business. It’s also not the most generous points-earning program.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These perks are perfect for small business owners.
The Ink Business Preferred Card is another excellent method to earn points. Spend in specific categories and you’ll earn three points per dollar. 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.
Divvy
If you’re a start-up business owner looking for a credit card for business You might want to think about Divvy. This card has a variety of advantages and features. It also allows you to track your business expenses.
Divvy can be used alongside any other accounting software to allow users to monitor their financial expenses. You can then create budget, set limits on spending and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards assess your business finances and assist you to decide how much money you’ll need to invest every month. Contrary to traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the most favorable interest rates on business loans. They are also able to provide useful rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash or cash back. Certain cards provide rewards for purchases and travel while others are able to help build your credit score.
There are many credit card issuers that you can pick from, including Chase. You should also consider the way you intend to use the credit card. It is vital to find the right corporate credit card for your requirements.
Small business owners will find the Ink Business Preferred(r), Credit Card a great option. The card gives you solid rewards for various categories of purchases, and it even protects employees’ mobile phone bills.