If you’re thinking of starting your own business, the first important question you should ask yourself is “Can I get my business credit card?” The answer is a resounding yes however, the process of getting an official business credit card can be daunting and confusing. Here are some tips to be aware of when applying for 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 offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups, is an account that helps startups build their credit history. The applicants don’t have to pay interest and don’t need to offer a personal guarantee. Instead the applicants are evaluated based on their business model and their spending habits.
Credit limits up to 100 percent are permitted for applicants. This 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 valuable rewards with the Brex Corporate credit card. For instance, you’ll earn four points on travel booked through Brex Travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as 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 doesn’t have annual fees and doesn’t have any other requirements than an excellent credit score.
If you are a new business it is possible to reap the benefits of a business credit card that is low-interest can be extremely appealing. A business credit card with additional security might be a possibility.
One of the key features of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you can afford to pay off every month. This is particularly true if you’re looking to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards designed for start-up companies. It offers many benefits, including a high reward for signing up along with purchase protection, as well as travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any APR introductory promotions to be found, and the spending limit could be too low for your business. This isn’t the most efficient points-earning strategy.
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The Ink Business Preferred Card, on the other hand provides a range of useful features such as liability coverage, primary car rental coverage, shopping protection, and primary coverage for car rentals. These perks are great for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in specific categories, you’ll earn three points for every dollar you spend. For instance, if you charge $500 in purchases to your card during the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
Divvy
Divvy is an excellent choice for business owners in the beginning seeking a business card. This card offers a variety of benefits and features. You can also track your business expenses with this card.
Divvy can be used with any external accounting software that allows users to see their financial expenses. You can then create a budget, set limits, and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards evaluate your business financial situation and help you decide what amount of money you’ll need to spend each month. As opposed to traditional business credit card, Divvy does NOT require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest on business loans and provide valuable rewards. For example the Chase Ultimate Rewards business credit card provides bonus points which could be converted to cash back. Some cards offer rewards for purchases and travel, while others can be used to improve your credit score.
Apart from the top business credit cards from Chase and other credit card issuers that you can turn to. However, you must think about how you will utilize a specific credit card. It is important to find an enterprise credit card that meets your specific requirements.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card provides solid rewards on various purchase categories and even covers employees’ cell phone bills.