If you’re thinking about starting your own business, the first important question is “Can I get my 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 tips to be aware of the process of applying for credit card.
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Brex 30
Brex offers a variety of financial services like corporate credit cards, spend management and expense management software. It offers a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups build credit histories. Applicants don’t pay interest or need to provide personal guarantees. Instead, applicants are evaluated based on their company’s budget and business model.
Credit limits up to 100 percent are permissible for applicants. This limit is determined by the amount of money that a customer has in their Brex Cash account. Every day, the Brex Card draws from the account to determine its limit for spending.
You can earn rewarding rewards using a Brex Corporate credit card. For example, you can earn four points on trips booked through Brex Travel. You can also receive three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spend management tool. It comes with a myriad of benefits, including a flat 1.5 percent cash-back rate on all purchases. The card has no annual charges and doesn’t need any other requirements other than an excellent credit score.
A low-interest business credit line is a great choice for startups. A business credit card that offers additional security could be a viable option.
A low-interest business credit cards are very convenient because you’re not burdened with the stress of managing multiple credit cards or worrying about how much money you’ll be able to afford each month. This is particularly relevant if you’re trying to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards for startups. It offers many benefits, including a substantial reward for signing up along with purchase protection, as well as travel benefits. However, it does have some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any APR introductory promotions available, and the spending cap could be too low for your business. This isn’t 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 in addition to primary car rental insurance and a shopping insurance. As a small business owner, you’ll surely enjoy these benefits.
The Ink Business Preferred Card is another great method to earn points. Spend in certain categories and earn 3 points for every dollar. For instance, if charge $500 in purchases to your card during the first three months, then you’ll be rewarded with the welcome bonus of 100,000 points.
Divvy
If you’re a business owner looking for an enterprise credit card you might want to consider Divvy. This card has a variety of benefits and features. You can also monitor your business expenses with this card.
Divvy can be used alongside any other accounting software to allow users to view their financial expenses. The software lets you create a budget, limit spending and even request money. It also lets you set an expense limit for your employees.
Divvy also has a corporate card. The cards analyze your company’s finances and determine the amount you’ll need to spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest for business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash back. Some cards offer rewards for shopping and traveling, and others can be used to help to build credit for your business.
Apart from the top business credit cards offered by Chase and other credit card issuers that you can turn to. But, you must consider the ways you will use a particular credit card. It is vital to find the right 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 as well as covers employees’ cell phone bills.
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