For those who are just beginning 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 there is a yes answer, it can be confusing and overwhelming to apply for an enterprise credit card. Here are some things you need to know about the process of obtaining credit card.
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Brex 30
Brex offers a variety of financial services , including corporate credit cards as well as spend management and expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish credit histories. The applicants don’t have to pay interest or require personal guarantees. Instead applicants are evaluated based on their company’s budget and business model.
Credit limits as high as 100 percent are permitted for applicants. The limit is determined by the amount of money a customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
You can earn significant rewards with the Brex Corporate credit card. For instance, you could earn four points when you travel booked through Brex Travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a spend management tool. The card provides a range of benefits, including a flat 1.5 percent cashback rate on all purchases. There are no annual fees and the card does not have other requirements other than an excellent credit score.
For businesses that are just starting out, the benefits of using a business credit card that is low-interest could be very appealing. A business credit card with additional security could be an option.
One of the most important features of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about the amount you can afford to pay off each month. This is particularly applicable if you’re planning to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards for startup businesses. It provides many benefits, including a substantial sign up bonus along with purchase protection, along with travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions available, and the spending cap may be too low for your company. Furthermore, it’s not the most generous points-earning option.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, including liability coverage as well as primary coverage for car rentals, shopping protection, and primary car rental coverage. If you’re a small-sized business owner, you’ll surely get these benefits.
Additionally, the Ink Business Preferred Card is an excellent method to earn points. Spend in certain categories , and you’ll earn three points per dollar. In this case for example, if you spend $500 on purchases on your card in the first three months, you will be awarded a 100,000 points welcome bonus.
Divvy
The Divvy is a great 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 lets you keep track of your business expenses.
Divvy can be used alongside any other accounting software to allow users to view their financial expenses. The program lets you make a budget, limit spending, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. These cards assess your business finances and assist you to decide what amount of money you’ll need to spend every 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 essential to understand the company’s rate prior to applying.
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Chase Ultimate Rewards
Business credit cards are the chance to secure best rates of interest on business loans, and they can also offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Certain cards provide rewards for shopping and travelling as well as other cards that can be used to help to build credit for your business.
There are numerous credit card issuers you can choose from, such as Chase. It is important to consider what you intend to do with the credit card. It is crucial to choose a business credit card that meets your specific requirements.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent option. The card provides solid rewards for a variety of purchase categories and even will pay for employees’ mobile phone bills.