For those that are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes, it can be confusing and overwhelming to apply for a business credit card. Here are some points you should be aware of about the process of applying for the credit card.
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Brex 30
Brex offers a variety of financial services including corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build their credit score. The applicants don’t have to pay interest or need to provide an individual guarantee. Instead, applicants are evaluated by the business model of the company and spending patterns.
Credit limits of up to 100 percent are available to applicants. The limit is determined based on the amount of money that is in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use a Brex Corporate credit card. For instance, you could earn four points on travel booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management tool. The card comes with a variety of benefits including a standard 1.5 percent cash-back rate on all purchases. The card has no annual fees and does not have any other requirements other than an excellent credit score.
A low-interest business credit card is a great option for businesses that are just starting out. A business credit card that comes with additional security might be a possibility.
A low-interest business credit cards are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll have to pay 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 best business credit cards for startup companies. It provides a wide range of benefits, like the highest sign-up bonus, purchase protection, as well as travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any APR introductory promotions available, and the spending cap may be too low for your company. It’s not the most efficient points-earning feature.
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The Ink Business Preferred Card, on the other hand provides a range of useful features like liability insurance and primary car rental coverage, shopping protection, and primary coverage for rental cars. These perks are perfect for small-scale business owners.
Furthermore that, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For example, if you make a purchase of $500 to your card in the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divide
Divvy is a good option for business owners who are just starting out seeking an business card. This card has a variety of benefits and features. You can also keep track of your business expenses using this card.
Divvy works with external accounting software, allowing users to quickly view the financial expenses. You can then create a budget, set maximum limits and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. 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 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 provide the chance to secure highest interest rates for business loans, and are also able to provide useful rewards. For example the Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for shopping and traveling as well as other cards that can be used to help build your business’s credit.
Aside from the best business credit cards offered by Chase but there are many other credit card issuers that you can turn to. It is important to consider what you intend to do with the credit card. It is crucial to choose the appropriate business credit card to meet your needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card a fantastic option. The card provides solid rewards across a variety of categories and even covers mobile phone costs.
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