For those that are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” Although the answer is yes but it can be challenging and overwhelming to apply for an enterprise credit card. Here are some things you should know about the process of getting credit card.
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Brex provides a range of financial services including corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution to startups.
The Brex Card, also known as Brex for Startups, is an credit card that assists startups establish credit histories. It doesn’t charge interest or need to provide a personal guarantee. Instead, applicants are evaluated on their company’s business model and their spending habits.
Applicants can have up to 100 percent credit limit. The limit is determined by the amount a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. Brex Travel offers four points when you book 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 variety of benefits, including a fixed 1.5 percent cash back rate on all purchases. There are no annual fees and the card doesn’t require other requirements aside from having a credit score of at least.
A business credit card with low interest is a great choice for those who are just starting out. You might also look into a credit card for business with additional protection.
One of the key advantages of a low interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll have to pay every month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It offers a variety of benefits, including a high sign-up bonus, purchase security, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promotions to be found, and the spending cap may be too low for your business. It’s not the most efficient points-earning program.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage as well as primary coverage for car rental and a shopping insurance. These perks are perfect for small business owners.
Furthermore, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if you add $500 worth of purchases to your credit card during the first three months, you’ll get an offer of 100,000 points.
Divvy is an excellent choice for business owners who are just starting out seeking an business card. This type of credit card provides a range of benefits and features. It also lets you track your business expenses.
Divvy integrates with other accounting software that allows users to view their financial expenses. The program lets you set a budget, limit spending and even request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also has a corporate card. These cards evaluate your business’s finances and determine how much you’ll have to spend every month. In contrast to traditional business credit cards, Divvy doesn’t require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to understand the company’s rate before applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most competitive interest rates for business loans, and also provide valuable rewards. For example the Chase Ultimate Rewards business credit card offers bonus points that could be converted to cash back. Certain cards provide rewards for shopping and travelling as well as other cards that can be used to help build your business’s credit.
There are a variety of credit card issuers you can choose from, including Chase. However, you must think about the way you intend to use a particular credit card. It is essential to locate the right business credit card that is suitable for your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. This card is a great way to earn rewards for various categories of purchases and even covers employees’ cell phone bills.