If you’re starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of applying for an official business credit card can be daunting and confusing. Here are some things to be aware of before obtaining an credit card.
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Brex provides a range of financial services , including corporate credit cards, 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 designed to help start-ups build their credit history. Applicants don’t pay interest and don’t have to provide personal guarantees. Instead applicants are evaluated on their company’s business model and their spending habits.
Customers can get up to a 100 percent credit limit. The limit is by the amount of cash in the 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. Brex Travel offers four points for booking travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a budget management tool. The card comes with a range of benefits, including a flat 1.5 percent cashback rate on all purchases. The card has no annual fees and doesn’t have any other requirements other than a good credit rating.
For businesses that are just starting out, the benefits of using a business credit card with low interest are a great deal. A business credit card that comes with additional security could be an option.
Business credit cards with low interest are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is especially important if you’re trying to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards designed for start-up companies. It has many benefits, including a high reward for signing up, purchase protection, and travel perks. However, it also has a few drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR promotions and the spending limit might not be suitable for your company. Moreover, it’s not the most generous points-earning program.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features, such as liability coverage, primary coverage for car rentals shopping protection, as well as primary coverage for rental cars. If you’re a small-sized company owner, you’ll certainly enjoy these benefits.
Moreover, the Ink Business Preferred Card is a great opportunity to earn points. Spend in certain categories and earn 3 points for every dollar. For instance, if you charge $500 on purchases to your card in the first three months, you’ll get an offer of 100,000 points.
Divvy is a good option for business owners in the beginning seeking an business card. This card offers a variety of benefits and features. You can also keep track of your business expenses using this card.
Divvy can be used alongside any other accounting software to allow users to look at their financial expenses. The software lets you set a budget, limit spending and request money. Divvy also allows you to set a spending limit for your employees.
Divvy also has corporate cards. These cards review your company’ finances and help you decide on how much you’ll need to invest every month. As opposed to traditional business credit card, Divvy is not a requirement for personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to know the rate of the company prior to applying.
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Chase Ultimate Rewards
Business credit cards provide the chance to secure highest interest rates for business loans. They can also offer useful rewards. For example, a Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash. Certain cards provide rewards for shopping and travel, while others can be used to improve your credit score.
Aside from the best business credit cards from Chase but there are many other credit card issuers are available to. However, you should consider how you will make use of a specific credit card. It is essential to locate the right business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. The card is a good option for earning rewards across a variety of categories and even covers mobile phone bills.