For those who are starting an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer but it can be daunting and confusing to apply for a business credit card. Here are a few things you should know about the process of obtaining a credit card.
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Brex provides a broad range of financial services, such as corporate credit cards, spend management, and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish credit histories. The cardholders don’t have to pay any interest and don’t have to provide a personal guarantee. Instead the applicants are evaluated on their budget and business model.
Credit limits up to 100 percent are available to applicants. This limit is determined by the amount of money in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you’ll earn four points on trips booked through Brex Travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as an expense management tool. The card comes with a variety of benefits, including a fixed 1.5 percent cash back rate on all purchases. The card does not have annual fees and doesn’t have any other qualifications other than a good credit rating.
A business credit card with a low-interest rate is a great option for new businesses. You might also consider a business credit card that provides additional security.
One of the most important features of a low-interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about how much you can afford to pay each month. This is particularly true if you’re looking to finance large expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for new businesses. It offers a variety of advantages, including the highest sign-up bonus, purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any introductory APR offers and the spending 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 it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, including liability coverage, primary car rental coverage and a shopping protection. As a small-scale company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another great way to earn points. When you spend in specific categories, you’ll earn three points for every dollar you spend. For instance, if charge $500 on purchases to your card during the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divvy is an excellent choice for startup business owners seeking an business card. This type of card comes with numerous benefits and features. It also lets you monitor your business expenses.
Divvy is compatible alongside any other accounting software that allows users to see their financial expenses. The software lets you create a budget, limit spending and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. The cards analyze your company’s finances and determine the amount you’ll need to spend each month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the best rates of interest on business loans. They can also offer useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Some cards offer rewards for travel and shopping, and others can be used to to build credit for your business.
There are many credit card issuers you could choose from, such as Chase. 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 will meet your specific requirements.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card provides solid rewards on a variety of purchase categories and even covers cell phone bills.