If you are thinking of creating a business, the most important question is “Can I get my business credit card?” Although the answer is yes it can be confusing and overwhelming to apply for an enterprise credit card. Here are some tips to be aware of the process of obtaining an credit card.
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Brex 30
Brex provides a range of financial products, including corporate credit cards along with spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build their credit score. The applicants don’t have to pay interest or provide a personal guarantee. Instead applicants are evaluated on their company’s financial model and spending habits.
Credit limits as high as 100 percent are permitted for applicants. This limit is determined by the amount customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. 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-sized business credit card that can be used as an expense management tool. The card offers a variety of benefits, including a flat 1.5 percent cashback rate on all purchases. The card is free of annual fees and doesn’t require any other conditions other than a good credit rating.
For a business that is just beginning, the benefits of using a low-interest business credit card could be very appealing. You might also look into a credit card for business which offers additional security.
A business credit card with a low-interest rate are extremely convenient since you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you can afford each month. This is especially true when you 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 companies. It comes with a variety of advantages, including a large sign up bonus and purchase protection as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR promotions available, and the spending limit may be too low for your company. Furthermore, it’s not the most generous point-earning system.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, including liability coverage and primary car rental coverage, and a shopping protection. As a small company owner, you’ll certainly benefit from these perks.
Additionally, the Ink Business Preferred Card is a great opportunity to earn points. When you spend in specific categories, you’ll earn three points per dollar you spend. For instance, if you charge $500 on purchases to your card in the first three months, you’ll get the welcome bonus of 100,000 points.
Divvy
Divvy is an excellent choice for business owners in the beginning looking for an enterprise card. This card comes with a wide range of benefits and features. It also allows you to monitor your business expenses.
Divvy works with external accounting software, allowing users to easily view the financial expenses. You can then create budgets, set the limits, and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards review your company finances and allow you to decide how much money you can spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest for business loans and offer valuable rewards. For example the Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash back. Some cards offer rewards for shopping and travel and others can be used to boost your credit score.
There are many credit card issuers you can choose from, including Chase. You should also consider what you intend to do with the credit card. It is essential to locate the right business credit card that will meet your particular needs.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card is a great way to earn rewards on various purchase categories and even covers cell phone bills.