For those who are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of obtaining a business credit card can be confusing and overwhelming. Here are some tips to be aware of when applying for the credit card you need.
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Brex 30
Brex offers a variety of financial products, including corporate credit cards as well as spend management and expense management software. Brex offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups establish credit histories. The applicants don’t have to pay interest or provide an individual guarantee. Instead the applicants are evaluated based on their company’s financial model and spending habits.
Credit limits of up 100 percent are permissible for applicants. The limit is determined by the amount a customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its limit for spending.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. For example, you can earn four points on trips booked through Brex Travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and a spend management tool. The card comes with a range of benefits, including a flat 1.5% cashback rate on all purchases. The card does not have annual charges and doesn’t need any other requirements than an excellent credit score.
For a business that is just beginning it is possible to reap the benefits of a business credit card that is low-interest can be extremely appealing. You may also consider a business credit card with additional protection.
Business credit cards with low interest are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is particularly relevant 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 new businesses. It provides many advantages, including a large reward for signing up and purchase protection along with travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be the best choice for you. There are no introductory APR promotions available, and the spending cap could be too low for your business. In addition, it’s not exactly the most generous points-earning feature.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features like liability insurance, primary car rental coverage shopping protection, as well as primary car rental coverage. As a small-scale business owner, you’ll definitely get these benefits.
Furthermore it is worth noting that the Ink Business Preferred Card is a great way to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For example, if you make a purchase of $500 to your card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
Divide
If you’re a startup business owner looking for a credit card for business, you may want to think about Divvy. This card offers a variety of advantages and features. You can also track your business expenses with this card.
Divvy integrates with other accounting software, and allows users to easily view the financial expenses. You can create budgets, set the limits, and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards analyze your business’ finances and help you determine how much you can spend each month. In contrast to traditional business credit cards, Divvy is not a requirement for an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards offer the chance to secure best interest rates on business loans, and can also offer valuable rewards. For instance the Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash. Certain cards provide rewards for shopping and traveling while others can be used to boost your credit score.
There are a variety of credit card issuers you can choose from, such as Chase. However, you must think about the way you intend to utilize a specific credit card. It is important to select an enterprise credit card that suits your specific requirements.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card is a great way to earn rewards on different categories of purchases and even will pay for employees’ cell phone bills.