If you are thinking of starting your own business, the first important question to ask is “Can I get my business credit card?” The answer is a resounding yes but the process of getting the business credit card could be confusing and overwhelming. Here are a few things you should know about the process of applying for a credit card.
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Brex provides a broad range of financial services, such as corporate credit cards, spend management, and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. The cardholders don’t have to pay any interest or offer personal guarantees. Instead applicants are evaluated based on their company’s financial model and spending habits.
The applicants can enjoy up to 100 percent credit. The limit is determined based on the amount of cash in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards using a Brex Corporate credit card. For instance, you could get four points on travel booked through Brex Travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spend management tool. It offers a wide range of benefits, including a standard 1.5 percent cashback rate on all purchases. The card has no annual charges and doesn’t need any other conditions other than having a high credit score.
If you are a new business benefiting from a business credit card that is low-interest are a great deal. A business credit card that comes with additional protection may be an option.
One of the primary benefits of a business low-interest credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll be able to pay off each month. This is particularly true if you’re looking to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards that are designed for startups. It offers a range of benefits, such as an excellent sign-up bonus purchase protection, and travel perks. It has some downsides.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR promotions to be found, and the spending cap could be too low for your business. Furthermore, it’s not the most generous points-earning feature.
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On the other side however, the Ink Business Preferred Card offers a lot of other useful features, including liability coverage, primary car rental coverage and a shopping protection. As a small company owner, you’ll certainly get these benefits.
Moreover to that, the Ink Business Preferred Card is a great way to earn points. Spend in certain categories , and you’ll earn three points per dollar. For instance, if you charge $500 in purchases to your credit card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
If you’re a start-up business owner looking for an account for business credit you might want consider Divvy. The card comes with a range of advantages and features. You can also monitor your business expenses with this card.
Divvy is compatible alongside any other accounting software to allow users to look at their 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. These cards review your company finances and assist you to decide on how much you can spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive interest rates for business loans. They also offer rewards. For instance, a Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Certain cards provide rewards for shopping and traveling while others can be used to to build credit for your business.
Aside from the best business credit cards from Chase and other credit card issuers that you can turn to. However, you must think about the manner in which you utilize a specific credit card. It is important that you choose the appropriate business credit card that meets your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. This card provides solid rewards on various purchase categories and even covers employees’ cell phone bills.