For those who are just beginning an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” While there is a yes answer it can be a bit difficult and confusing to apply for a business credit card. Here are some things you should know about the process of applying for a credit card.
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Brex provides a range of financial services , including corporate credit cards along with spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups build their credit history. Applicants don’t pay interest or provide personal guarantees. Rather, applicants are evaluated by company business model and spending patterns.
Credit limits as high as 100 percent are allowed for applicants. This limit is determined by the amount that a customer has in their Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn rewarding rewards when you use the Brex Corporate credit card. Brex Travel offers four points to book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card and a spend management system. The card offers a variety of benefits, including a flat 1.5 percent cashback rate on all purchases. There are no annual fees and the card doesn’t have other requirements except for having a high credit score.
A low-interest business credit line is a great choice for businesses that are just starting out. You may also look into a business credit card that offers additional protection.
Business credit cards with low interest are very convenient because you don’t have to worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is especially important if you’re trying to finance large expenses.
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 comes with a range of advantages, including a high sign-up bonus, purchase security, and travel perks. It has some downsides.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR promotions to be found and the spending cap could be too low for your company. Moreover, 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 as well as primary coverage for car rental as well as a shopping security. As a small business owner, you’ll surely get these benefits.
Moreover that, 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 example, if you add $500 worth of purchases to your credit card during the first three months, then you’ll be rewarded with an initial bonus of 100,000 points.
If you’re a business owner in search of a business credit card you might want to consider Divvy. This type of card offers various advantages and features. It also lets you monitor your business expenses.
Divvy works with external accounting software and enables users to easily view the financial expenses. The software lets you create a budget, restrict spending and request money. It also lets you set an expense limit for your employees.
Divvy also offers a corporate credit card. The cards analyze your company’s finances and determine the amount you’ll need to spend each month. Contrary to traditional business credit cards, Divvy doesn’t require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards are the opportunity to get the best interest rates on business loans, and they are also able to provide useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Some cards offer rewards for shopping and travel, while others can be used to build your credit score.
Apart from the top business credit cards from Chase, there are other credit card issuers you can turn to. You should also consider what you intend to do with the credit card. It is essential to choose the appropriate corporate credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card gives you solid rewards for various purchase categories and even covers mobile phone expenses.
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