If you’re thinking about starting a business, the most important question to ask is “Can I get my business credit card?” The answer is yes, but the process of obtaining the business credit card could be a bit overwhelming and confusing. Here are some things to be aware of before obtaining credit card.
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Brex 30
Brex offers a wide range of financial services, such as corporate credit cards, spend management, and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, or Brex for Startups, is an account that helps startups build their credit history. Applicants don’t pay interest or provide personal guarantees. Instead, applicants are evaluated by the business model of the company and spending habits.
Credit limits as high as 100 percent are permitted for applicants. The limit is determined by the amount customers have in their Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn rewarding rewards by using the Brex Corporate credit card. For instance, you can 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 be used as a spend management tool. The card offers a slew of benefits, including a flat 1.5 percent cash back rate on all purchases. There are no annual fees and the card doesn’t require other requirements, aside from having a credit score of at least.
A low-interest business credit card is a great option for businesses that are just starting out. You might also consider a business credit card with additional protection.
A low-interest business credit card are extremely convenient since you’re not juggling the hassle of managing multiple credit cards or worrying about how much money you’ll be able to afford 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 top business credit cards for new businesses. It comes with a variety of benefits, including a high sign-up bonus along with purchase protection, as well as travel benefits. However, it has several drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any initial APR promotions and the spending limit might not be suitable for your company. Moreover, it’s not the most generous points-earning option.
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The Ink Business Preferred Card, however, offers many other useful features like liability insurance and primary coverage for car rentals shopping protection, and primary coverage for rental cars. These benefits are perfect for small business owners.
Additionally, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if you charge $500 in purchases to your card during the first three months, then you’ll be rewarded with an initial bonus of 100,000 points.
Divide
The Divvy card is a great choice for business owners who are just starting out seeking a business card. This card comes with a wide range of advantages and features. You can also keep track of your business expenses using this card.
Divvy can be integrated with any external accounting software that allows users to view their financial expenses. You can then create budget, set limits on spending and request money. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also offers corporate cards. These cards assess your business finances and assist you to decide what amount of money you can spend every month. As opposed to traditional business credit card, Divvy does not require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the highest interest rates for business loans, and can also offer useful rewards. For instance a Chase Ultimate Rewards business credit card gives you bonus points that could be converted to cash back. Certain cards provide rewards for shopping and travel while others can be used to to build credit for your business.
Aside from the best business credit cards from Chase but there are many other credit card issuers you can choose from. However, you should think about the way you intend to make use of a specific credit card. It is important to find the right business credit card that suits your needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent option. The card is a good option for earning rewards for various categories of purchases and even will pay for employees’ mobile phone bills.