For those that are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes but it can be daunting and confusing to apply for a business credit card. Here are a few points you should be aware of about the process of obtaining a credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution for new businesses.
The Brex Card, or Brex for Startups, is a credit card that helps entrepreneurs build credit histories. The cardholders don’t have to pay any interest and don’t have to offer a personal guarantee. Instead applicants are evaluated on their company’s business model and spending habits.
Credit limits as high as 100 percent are permissible for applicants. The limit is determined by the amount of money that is in the 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 substantial rewards on purchases. Brex Travel offers four points for booking travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spending management tool. The card comes with a range of advantages, including a fixed 1.5 percent cashback rate on all purchases. There are no annual fees and the card does not have other requirements except for an excellent credit score.
For a startup business benefiting from a business credit card with low interest can be extremely appealing. You may also consider a business credit card that provides additional security.
Business credit cards with low interest are extremely convenient since you’re not juggling the hassle of managing multiple credit cards or worrying about the amount of 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 for startups. It comes with a range of advantages, including an excellent sign-up bonus purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR offers and the spending limit might not be suitable for your company. In addition, it’s not exactly the most generous points-earning program.
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On the other side it is worth noting that the Ink Business Preferred Card offers many other beneficial features, such as liability insurance and primary car rental coverage, and a shopping protection. If you’re a small business owner, you’ll definitely benefit from these perks.
Additionally, the Ink Business Preferred Card is a great opportunity to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. In this example, if you spend $500 on purchases made with your card within the first three months, you will receive a 100,000-point welcome bonus.
Divide
Divvy is a good option for business owners who are just starting out seeking business cards. This card comes with a wide range of advantages and features. It also allows you to monitor your business expenses.
Divvy integrates with other accounting software that allows users to view their the financial expenses. The program lets you set 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 should spend every month. Contrary to traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the best interest rates on business loans. They can also offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Certain cards provide rewards for travel and shopping as well as other cards that can be used to help increase your business’s credit.
Aside from the best business credit cards offered by Chase and other credit card issuers you can choose from. But, you must consider the manner in which you make use of a particular credit card. It is essential to find the right business credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card is a great way to earn rewards on different categories of purchases, and it even covers cell phone bills.