For those who are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While there is a yes answer but it can be difficult and confusing to apply for a business credit card. Here are some tips to learn about getting the credit card you need.
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Brex 30
Brex provides a range of financial services , including corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish credit histories. Applicants don’t pay interest or have to provide a personal guarantee. Instead, applicants are assessed by the company’s business model and spending patterns.
Applicants can have up to 100 percent credit limit. The limit is determined by the amount that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards with the 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 a small-sized business credit card that can be used as a spend management tool. The card comes with a range of benefits, including a standard 1.5 percent cashback rate on all purchases. There are no annual fees and the card does not have other requirements except for a good credit score.
A business credit card with a low-interest rate is a great choice for startups. A business credit card that comes with additional protection may be a viable option.
One of the key features of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about how much you’ll have to pay every month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards available to start-up businesses. It provides a wide range of benefits, including the highest sign-up bonus, purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions available, and the spending cap may be too low for your business. It’s also not the best points-earning program.
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On the other side it is worth noting that the Ink Business Preferred Card offers several other valuable features, such as liability insurance, primary car rental coverage as well as a shopping security. These perks are great for small-scale business owners.
Moreover that, the Ink Business Preferred Card is an excellent method to earn points. When you spend in certain categories, you’ll earn three points for every dollar you spend. For instance, if charge $500 in purchases to your credit card within the first three months, you’ll receive an initial bonus of 100,000 points.
Divide
If you’re a new business owner in search of a business credit card you might want think about Divvy. The card comes with a range of advantages and features. It also allows you to keep track of your business expenses.
Divvy works with external accounting software, and allows users to view their financial expenses. The program allows you to make a budget, limit spending and even request money. Divvy also allows you to set an amount of money you can spend for your employees.
Divvy also offers corporate cards. These cards analyze your business finances and assist you to decide on how much you’ll need to spend every month. Contrary to traditional business credit cards, Divvy does not require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards are a way to secure the best interest rates on business loans, and can also offer useful rewards. For example the Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash back. Certain cards provide rewards for shopping and traveling as well as others that can be used to build your credit score.
There are numerous credit card issuers that you can select from, including Chase. However, you must think about how you will utilize a specific credit card. It is crucial to choose an enterprise credit card that suits your specific requirements.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card gives you solid rewards across a variety of categories and even protects employees’ mobile phone expenses.
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