For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although there is a yes answer, it can be daunting and confusing to apply for an enterprise credit card. Here are a few points you should be aware of about the process of applying for a credit card.
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Brex 30
Brex offers a wide range 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 a credit card that helps startups establish their credit history. The cardholders don’t have to pay any interest and don’t need to offer an individual guarantee. Instead, applicants are evaluated by the business model of the company and spending patterns.
Credit limits up to 100 percent are allowed for applicants. 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.
You can earn valuable rewards using a Brex Corporate credit card. Brex Travel offers four points to book travel. You can also receive three points for dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management system. The card offers a variety of benefits, including a standard 1.5 percent cashback on all purchases. The card does not have annual fees and doesn’t have any other qualifications other than a good credit rating.
If you are a new business, the benefits of using a business credit card that is low-interest could be very appealing. A business credit card with additional security could be an option.
A low-interest business credit cards are extremely convenient since you don’t have to worry of managing multiple credit cards or worrying about how much money you’ll be able to afford each month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards available to start-up businesses. It comes with a range of advantages, including an excellent sign-up bonus purchase protection, as well as travel perks. However, it has a few drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any introductory APR offers and the spending limit may not be appropriate for your company. Moreover, it’s not the most generous points-earning feature.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, including liability coverage and primary car rental coverage and a shopping protection. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another excellent method to earn points. If you make purchases in certain categories, you can earn 3 points per dollar you spend. In this example the case of spending $500 on purchases with your card in the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy
Divvy is an excellent choice for entrepreneurs who are starting their business and seeking business cards. This card comes with a wide range of benefits and features. It also allows you to keep track of your business expenses.
Divvy works with external accounting software and enables users to view their the financial expenses. You can then create a budget, set maximum limits and request money. Additionally, Divvy lets you to set a spending limit for your employees.
Divvy also has a corporate card. These cards assess your business finances and assist you to decide what amount of money you’ll need to invest every month. Unlike traditional business credit cards, Divvy is not a requirement for an individual guarantee.
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 chance to secure best interest rates on business loans. They can also offer useful 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 increase your business’s credit.
Apart from the top business credit cards offered by Chase, there are other credit card issuers that you can use. You must also think about how you will use the credit card. It is essential to locate the best business credit card that is suitable for your specific requirements.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card a great option. This card provides solid rewards on various purchase categories and even will pay for employees’ cell phone bills.