For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes, but the process of getting the business credit card could be overwhelming and confusing. Here are a few things to be aware of before obtaining the credit card you need.
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Brex 30
Brex provides a range of financial products, including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups establish their credit histories. The applicants don’t have to pay interest and don’t need to provide personal guarantees. Instead applicants are evaluated based on their business model and spending habits.
Applicants can have up to 100 percent credit. The limit is determined by the amount of money that a customer has in their Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
You can earn rewards when you use a Brex Corporate credit card. For instance, you’ll get four points on travel booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spending management tool. The card offers a variety of benefits, including a standard 1.5 percent 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 business credit card with low interest is a great option for startups. A business credit card that offers additional protection may be a good option.
One of the most important advantages of a low-interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll have to pay off every month. This is especially true if are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for startups. It offers a variety of benefits, like an excellent sign-up bonus purchase security, and travel perks. However, it does have some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR offers and the spending limit may not be appropriate for your company. This isn’t the most efficient point-earning option.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, including liability coverage as well as primary coverage for car rentals shopping protection, and primary coverage for rental cars. As a small-scale business owner, you’ll definitely benefit from these benefits.
Moreover, the Ink Business Preferred Card is an excellent way to earn points. Spend in certain categories and earn 3 points for every dollar. In this instance, if you spend $500 on purchases made with your card within the first three months, you’ll receive a 100,000 point welcome bonus.
Divide
If you’re a business owner in search of a business credit card you might want to look into Divvy. This type of credit card provides numerous advantages and features. You can also keep track of your business expenses using this card.
Divvy can be used with accounting software, and allows users to easily view the financial expenses. The software allows you to create a budget, restrict spending and request money. Divvy also allows you to set the spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards look at your company’s finances and determine the amount you can spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards are an opportunity to secure the highest interest rates for business loans. They are also able to provide useful rewards. For example a Chase Ultimate Rewards business credit card offers bonus points that can be converted into cash. Some cards offer rewards for shopping and traveling and others can be used to improve your credit score.
Apart from the top business credit cards from Chase but there are many other credit card issuers you can choose from. But, you must consider the manner in which you make use of a specific credit card. It is important that you find the right corporate credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card offers solid rewards on a variety of purchase categories as well as covers cell phone bills.