If you’re starting an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” Although the answer is yes it can be daunting and confusing to apply for a business credit card. Here are a few tips to be aware of the process of obtaining credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards and spend management as well as expense management software. It offers a complete financial solution to startups.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish credit histories. Applicants don’t pay interest and don’t have to offer personal guarantees. Instead, applicants are rated by company business model and spending habits.
Users can get 100 percent credit. The limit is determined based on 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 rewards on purchases. For instance, you’ll earn four points on travel booked through Brex 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 a spend 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 charges, and the card doesn’t require other requirements, aside from having a high credit score.
A low-interest business credit line is a great choice for startups. A business credit card with additional security could be an option.
Business credit cards with low interest are extremely convenient since you don’t have the worry 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 variety of advantages, such as a huge sign-up bonus along with purchase protection, as well as travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any APR introductory promotions available, and the spending cap may be too low for your business. It’s not the most efficient points-earning program.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features like liability insurance primary coverage for car rentals shopping protection, as well as primary coverage for car rental. As a small business owner, you’ll definitely benefit from these benefits.
The Ink Business Preferred Card is another great method to earn points. When you spend money in certain categories, you’ll earn three points per dollar you spend. In this case when you spend $500 on purchases made with your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divide
The Divvy is a great option for startup business owners looking for business cards. This type of credit card provides many advantages and features. It also lets you monitor your business expenses.
Divvy integrates with other accounting software, and allows users to easily monitor financial expenses. You can then create budgets, set limits, and request money. You can also set an amount of money you can spend for your employees.
Divvy also offers a corporate credit card for businesses. The cards analyze your company’s finances and decide how much you’ll need to spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the most favorable interest rates for business loans and offer valuable rewards. For instance the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash. Certain cards provide rewards for shopping and traveling and some can be used to build your business’s credit.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers you can use. However, you should consider the way you intend to make use of a specific credit card. It is important to select a business credit card that is suitable for your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card gives you solid rewards for a variety of purchase categories and even will pay for employees’ mobile phone bills.