For those who are starting an enterprise, one of the most important questions they’ll have 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 an enterprise credit card. Here are some things you should know about the process of getting an credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards, spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups build their credit history. Applicants don’t pay interest or provide personal guarantees. Instead, applicants are evaluated on the basis of their business model and spending habits.
Credit limits as high as 100 percent are available to applicants. This limit is determined based on the amount of money that is in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine the limit of its spending.
You can earn significant rewards when you use a Brex Corporate credit card. Brex Travel offers four points for booking travel. You can also get three points for dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and a spend management system. It offers a wide range of advantages, including a fixed 1.5% cashback rate on all purchases. There are no annual fees and the card does not have other requirements, aside from a good credit score.
A low-interest business credit line is a great option for businesses that are just starting out. A business credit line with additional security might be a good option.
One of the main advantages of a low interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about the amount you can afford to pay off each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards for new companies. It provides many benefits, including a substantial reward for signing up as well as purchase protection as well as travel benefits. However, it does have a few drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There are no introductory APR deals and the spend limit might not be suitable for your company. Moreover, it’s not the most generous points-earning program.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, such as liability insurance as well as primary coverage for car rental, and a shopping protection. These perks are perfect for small-scale business owners.
Additionally to that, the Ink Business Preferred Card is a great way to earn points. When you spend in specific categories, you’ll earn 3 points for every dollar you spend. For example, if you spend $500 on purchases on your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divvy
If you’re a start-up business owner in search of a credit card for business, you may want to consider Divvy. The card comes with a range of benefits and features. It also lets you track your business expenses.
Divvy is compatible alongside any other accounting software that allows users to monitor their financial expenses. The program lets you make a budget, limit spending and even request money. Additionally, Divvy lets you set an amount of money you can spend for your employees.
Divvy also has a corporate card. The cards analyze your company’s finances and decide how much you’ll have to spend every month. Unlike traditional business credit cards, Divvy doesn’t require personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the most favorable interest rates on business loans, and are also able to provide useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Certain cards provide rewards for shopping and traveling as well as others that can be used to boost your credit score.
There are numerous credit card issuers to choose from, such as Chase. You should also think about what you intend to do with the credit card. It is important that you find the right business credit card that meets your requirements.
Small business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card provides solid rewards for various categories of purchases and even covers employees’ mobile phone bills.