If you’re thinking about creating an enterprise, the most important thing to consider is “Can I get my business credit card?” The answer is a resounding yes, but the process of obtaining an enterprise credit card can be confusing and overwhelming. Here are a few things you should know about the process of getting the credit card.
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Brex offers a variety of financial services , including corporate credit cards along with spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit history. It doesn’t charge interest and don’t need to offer personal guarantees. Instead the applicants are evaluated based on their budget and business model.
Applicants can have up to 100 percent credit. The limit is determined by the amount that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use a Brex Corporate credit card. For example, you can earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management tool. The card provides a range of benefits, including a simple 1.5 percent cashback rate on all purchases. There are no annual fees and the card doesn’t require other requirements other than a good credit score.
A low-interest business credit line is a great choice for businesses that are just starting out. A business credit line with additional protection may be an option.
Business credit cards with low interest are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you’ll have to pay each month. This is particularly applicable if you’re planning to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards that are designed for startups. It comes with a range of benefits, like an excellent sign-up bonus purchase protection, and travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR promos and the spending limit might not be suitable for your business. It’s also not the most effective points-earning program.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, including liability coverage and primary car rental coverage, shopping protection, and primary coverage for rental cars. These perks are great for small-scale business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend money in certain categories, you’ll earn three points per dollar you spend. In this case for example, if you spend $500 on purchases with your card in the first three months, you will receive a 100,000 point welcome bonus.
Divvy is an excellent choice for business owners in the beginning seeking business cards. The card comes with a range of benefits and features. You can also keep track of your business expenses by using this card.
Divvy is compatible alongside any other accounting software to allow users to view their financial expenses. You can then create budget, set limits, and request funds. Divvy also allows you to set the spending limit for your employees.
Divvy also offers corporate cards. These cards review your company finances and allow you to decide how much money you should spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential 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 secure the highest rates of interest for business loans, and also provide valuable rewards. For example the Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash back. Certain cards provide rewards for shopping and travelling, and others can be used to build your business’s credit.
Apart from the top business credit cards offered by Chase and other credit card issuers you can turn to. You should also consider the method of use for the credit card. It is essential to locate the right business credit card that is suitable for your needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card gives you solid rewards on a variety of purchase categories, and it even covers cell phone bills.