If you’re thinking about creating your own business, the most important thing to consider is “Can I get my business credit card?” The answer is yes, but the process of applying for an enterprise credit card can be confusing and overwhelming. Here are some points you should be aware of about the process of getting an credit card.
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Brex 30
Brex offers a variety of financial products, including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups build credit histories. It doesn’t charge interest or provide personal guarantees. Instead applicants are evaluated on their company’s business model and their spending habits.
Credit limits of up 100 percent are allowed for applicants. This limit is based on the amount of cash in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn substantial rewards on purchases. Brex Travel offers four points when you book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spend management tool. The card comes with a variety of benefits, including a fixed 1.5 percent cash back rate on all purchases. There are no annual fees and the card does not have other requirements aside from having a high credit score.
A business credit card with low interest is a great option for those who are just starting out. It is also possible to look into a business credit card that offers additional protection.
One of the key features of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about the amount you can afford to pay off each month. This is especially true if you are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It provides many advantages, including a large sign up bonus, purchase protection, as well as travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promotions available, and the spending cap could be too low for your business. It’s not the most efficient point-earning option.
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On the other side, the Ink Business Preferred Card offers many other beneficial features, including liability coverage as well as primary coverage for car rental, and a shopping protection. As a small-scale business owner, you’ll surely get these benefits.
Additionally that, the Ink Business Preferred Card is an excellent method to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if you add $500 worth of purchases to your credit card during the first three months, you’ll receive an initial bonus of 100,000 points.
Divide
The Divvy is a great option for business owners in the beginning looking for an business card. This type of credit card provides various advantages and features. It also allows you to monitor your business expenses.
Divvy can be integrated with any external accounting software to allow users to see their financial expenses. The software allows you to make a budget, limit spending and even request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards review your company finances and allow you to decide on how much you can spend every month. In contrast to traditional business credit cards, Divvy does NOT require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. It is crucial to know the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the best interest rates for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash or cash back. Certain cards provide rewards for purchases and travel and others can be used to improve your credit score.
There are a variety of credit card issuers you can pick from, including Chase. However, you must think about how you will utilize a specific credit card. It is important to find an enterprise credit card that suits your specific requirements.
The Ink Business Preferred(r) Credit Card is a viable option for a small business owner. This card offers solid rewards on various purchase categories, and it even covers cell phone bills.