If you are thinking of starting your own business, the first important question to ask is “Can I get my business credit card?” The answer is a resounding yes, but the process of obtaining the business credit card could be confusing and overwhelming. Here are some things you need to know about how to get a credit card.
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Brex 30
Brex provides a broad range of financial services, such as corporate credit cards and spend management as well as expense management software. Brex is a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an account that helps startups establish credit histories. Applicants don’t pay interest or require a personal guarantee. Instead, applicants are assessed by the business model of the company and spending habits.
Credit limits of up to 100 percent are permissible for applicants. The limit is determined by the amount of money a 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 when you use a Brex Corporate credit card. Brex Travel offers four points to book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and a spend management solution. It offers a wide range of benefits, including a flat 1.5 percent cashback on all purchases. The card does not have annual charges and doesn’t need any other conditions other than a good credit rating.
For businesses that are just starting out one of the advantages of using a low-interest business credit card are a great deal. It is also possible to look into a business credit card which offers additional security.
Business credit cards with low interest are very convenient because you don’t have to worry of managing multiple credit cards or worrying about how much money you can afford each month. This is especially applicable if you’re planning to finance large expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It comes with a range of benefits, including a high sign-up bonus, purchase security, and travel perks. However, it does have several drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any initial APR offers and the spending limit may not be appropriate for your business. Furthermore, it’s not the most generous points-earning feature.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, including liability coverage, primary car rental coverage and a shopping insurance. These perks are perfect for small business owners.
The Ink Business Preferred Card is another great way to earn points. Spend in specific categories and you’ll earn three points per dollar. In this instance, if you spend $500 on purchases on your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy
Divvy is a good option for business owners in the beginning seeking business cards. This card has a variety of benefits and features. It also allows you to monitor your business expenses.
Divvy works with external accounting software, allowing users to easily view financial expenses. The program lets you create a budget, limit spending and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business’s finances and determine how much you’ll need to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards offer an opportunity to secure the best interest rates on business loans, and they are also able to provide useful rewards. For example a Chase Ultimate Rewards business credit card offers bonus points that can translate to cash back. Certain cards provide rewards for shopping and travel as well as others that are able to help build your credit score.
There are many credit card issuers you can select from, including Chase. However, you should think about the manner in which you use a particular credit card. It is important to select the right business credit card that will meet your specific needs.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card offers solid rewards on a variety of purchase categories as well as covers employees’ cell phone bills.