If you’re thinking about creating your own business, the first important question to ask is “Can I get my business credit card?” The answer is yes however, the process of applying for a business credit card can be daunting and confusing. Here are some things to learn about getting a credit card.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards, spend management, and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit score. The applicants don’t have to pay interest and don’t have to offer an individual guarantee. Instead, applicants are evaluated on their company’s business model and their spending habits.
Applicants can have up to 100 percent credit. This limit is based on the amount of money in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card You can earn rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also earn three points for dining out.
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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 host of benefits, including a fixed 1.5 percent cash back rate on all purchases. There are no annual fees, and the card does not have other requirements, aside from a good credit score.
A low-interest business credit line is a great option for startups. You might also look into a business credit card that offers additional protection.
One of the most important benefits of a business low-interest credit card is that you don’t need to worry about managing multiple cards or worrying about how much you’ll be able to pay off every month. This is especially applicable if you’re planning to finance large expenses.
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 initial bonus and purchase protection as well as travel benefits. However, it also has some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions and the spending limit may not be appropriate for your company. It’s also not the most effective points-earning strategy.
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On the other side, the Ink Business Preferred Card offers several other valuable features, including liability coverage as well as primary coverage for car rental, and a shopping protection. As a small-scale business owner, you’ll surely benefit from these perks.
Furthermore to that, the Ink Business Preferred Card is an excellent opportunity to earn points. When you spend in specific categories, you can earn 3 points per dollar you spend. For example, if you add $500 worth of purchases to your credit card within the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divide
Divvy is a good option for startup business owners seeking business cards. This type of card comes with many advantages and features. It also lets you track your business expenses.
Divvy integrates with other accounting software, allowing users to easily monitor financial expenses. The program allows you to make a budget, limit spending, and request funds. Additionally, Divvy lets you set the spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business finances and assist you to decide on how much you should spend each month. As opposed to traditional business credit card, Divvy doesn’t require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure most competitive rates of interest on business loans, and also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash back. Certain cards provide rewards for travel and shopping as well as other cards that can be used to improve your company’s credit score.
There are numerous credit card issuers to choose from, including Chase. However, you should think about the ways you will use a particular credit card. It is essential to choose the appropriate business credit card that meets your requirements.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card offers solid rewards on different categories of purchases and also will pay for employees’ cell phone bills.