If you’re starting the business of their own, 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 applying for an enterprise credit card can be overwhelming and confusing. Here are a few things you should know about the process of obtaining a credit card.
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Brex 30
Brex provides a variety of financial services, including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups build their credit history. Applicants don’t pay interest or require a personal guarantee. Instead applicants are evaluated on their company’s business model and their spending habits.
Users can get a 100 percent credit limit. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards using the Brex Corporate credit card. For example, you can get 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 an all-in-one small business credit card and spend management solution. The card comes with a variety of benefits including a standard 1.5% cash back rate on all purchases. There are no annual fees and the card doesn’t have any other requirements other than having a high credit score.
For a business that is just beginning one of the advantages of using a business credit card that is low-interest are a great deal. A business credit line with additional protection may be a possibility.
One of the most important advantages of a low-interest business credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll be able to pay off each month. This is particularly relevant if you’re trying to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It comes with a range of benefits, such as an excellent sign-up bonus purchase protection, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR promotions to be found and the spending limit could be too low for your business. It’s not the most efficient points-earning program.
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On the other hand the Ink Business Preferred Card offers numerous other useful features, including liability coverage, primary car rental coverage as well as a shopping security. As a small-scale business owner, you’ll surely get these benefits.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in certain categories, you can earn 3 points per dollar you spend. For example, if you charge $500 in purchases to your card in the first three months, then you’ll be rewarded with the welcome bonus of 100,000 points.
Divide
The Divvy card is a great choice for business owners in the beginning seeking an business card. This type of card offers a range of benefits and features. You can also keep track of your business expenses using this card.
Divvy works with external accounting software that allows users to easily monitor financial expenses. The software allows you to make a budget, limit spending, and request funds. Additionally, Divvy lets you to set a spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards look at your company’s finances and determine how much you can spend each month. Contrary to traditional business credit cards, Divvy is not a requirement for personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is essential 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 obtain the highest rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash back. Some cards offer rewards for purchases and travel and others are able to help build your credit score.
In addition to the top business credit cards from Chase but there are many other credit card issuers are available to. But, you must consider how you will make use of a particular credit card. It is essential to locate an enterprise credit card that meets your specific requirements.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. The card is a good option for earning rewards across a variety of categories and even covers employees’ mobile phone bills.