For those that 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?” While there is a yes answer, it can be daunting and confusing to apply for a business credit card. Here are some things to be aware of when applying for the credit card you need.
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Brex offers a wide range of financial services, such as corporate credit cards as well as 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 cardholders don’t have to pay any interest or offer personal guarantees. Instead, applicants are evaluated on their company’s business model and spending habits.
Credit limits of up 100 percent are permitted for applicants. The limit is determined by 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 rewarding rewards when you use a Brex Corporate credit card. Brex Travel offers four points to book travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management solution. The card offers a slew of benefits including a standard 1.5% cash back rate on all purchases. The card is free of annual fees and doesn’t require any other conditions other than a good credit rating.
A business credit card with low interest is a great choice for startups. A business credit card that offers added security may be an option.
One of the primary benefits of a business low-interest credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll be able to pay every month. This is especially true if are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for startup businesses. It comes with a range of benefits, such as the highest sign-up bonus, purchase security, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be perfect. There aren’t any APR introductory promotions available, and the spending cap may be too low for your company. It’s also not the best points-earning program.
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The Ink Business Preferred Card, on the other hand provides a range of useful features such as liability coverage and primary coverage for car rentals, shopping protection, and primary coverage for rental cars. These benefits are perfect for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend money in certain categories, you can earn three points per dollar you spend. In this instance, if you spend $500 on purchases made with your card within the first three months, you’ll get a 100,000 point welcome bonus.
Divvy is an excellent choice for startup business owners looking for a business card. This type of card comes with numerous advantages and features. It also allows you to track your business expenses.
Divvy can be integrated with any accounting software that allows users to view their financial expenses. You can then create budget, set maximum limits and request money. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards review your company’ finances and help you determine how much you can spend every month. Contrary to traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most favorable rates of interest for business loans and offer valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash back. Certain cards provide rewards for shopping and traveling, while others are able to help build your credit score.
There are many credit card issuers that you can choose from, including Chase. You must also think about what you intend to do with the credit card. It is vital to find the right business credit card for your needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. The card is a good option for earning rewards for various purchase categories and even protects employees’ mobile phone bills.