For those who are starting a business, one 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 an enterprise credit card can be overwhelming and confusing. Here are some things to be aware of when applying for the credit card you need.
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Brex 30
Brex provides a broad range of financial services, including corporate credit cards as well as spend management and expense management software. It offers a complete financial solution to startups.
The Brex Card, or Brex for Startups, is a credit card that can help startups build their credit history. The applicants don’t have to pay interest or provide an individual guarantee. Rather, applicants are evaluated on the basis of their business model and spending habits.
Credit limits of up 100 percent are permissible for applicants. This limit is determined by the amount of cash 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 valuable rewards on purchases. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also receive three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a budget management tool. The card comes with a host of benefits, including a flat 1.5% cash back rate on all purchases. The card doesn’t have annual fees and doesn’t require any other requirements other than a good credit rating.
If you are a new business, the benefits of using a business credit card with low interest could be very appealing. A business credit line with additional security might be an option.
One of the most important advantages of a low-interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll have to pay every month. This is especially true if are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for new businesses. It offers a range of benefits, like an impressive sign-up bonus, purchase protection, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR promotions available, and the spending limit could 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 such as liability coverage primary car rental coverage shopping protection, and primary coverage for car rentals. These benefits are ideal for small-scale business owners.
The Ink Business Preferred Card is another great method to earn points. If you make purchases in certain categories, you can earn 3 points per dollar you spend. For instance, if charge $500 in purchases to your credit card within the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divide
If you’re a startup business owner in search of a credit card for business you might want consider Divvy. The card comes with a range of advantages and features. You can also track your business expenses with this card.
Divvy works with external accounting software and enables users to easily monitor financial expenses. You can then create a budget, set maximum limits and request money. You can also set a spending limit for your employees.
Divvy also offers corporate cards. These cards assess your business finances and assist you to determine how much you should spend each month. Unlike traditional business credit cards, Divvy does not require a personal guarantee.
However, Divvy does not disclose any interest rates on its website. It is important to know the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to get the most favorable interest rates for business loans, and also provide valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash back. Certain cards provide rewards for travel and shopping as well as others that can be used to improve your credit score.
There are numerous credit card issuers that you can choose from, such as Chase. However, you should consider the manner in which you utilize a specific credit card. It is essential to locate a business credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card offers solid rewards on different categories of purchases and also covers employees’ cell phone bills.