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 yes however the process of applying for a business credit card can be a bit overwhelming and confusing. Here are a few points you should be aware of about the process of getting an credit card.
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Brex provides a variety of financial services, such as corporate credit cards, spend management, and expense management software. Brex is a complete financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that helps startups establish credit histories. Applicants don’t pay interest or need to provide a personal guarantee. Instead applicants are evaluated on their business model and spending habits.
Customers can get up to 100 percent credit limit. 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.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For example, you can earn four points when you travel booked through Brex Travel. You can also 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 spending management tool. The card offers a slew of benefits including a standard 1.5 percent cash back rate on all purchases. There are no annual charges, and the card does not have other requirements other than a good credit score.
For businesses that are just starting out, the benefits of using a low-interest business credit card can be extremely appealing. It is also possible to look into a credit card for business that offers additional protection.
A low-interest business credit cards are extremely convenient since you don’t have the worry of managing multiple cards or worrying about how much money you can afford each month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards designed for start-up businesses. It provides many benefits, including a high sign up bonus along with purchase protection, as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any APR introductory promotions to be found, and the spending limit could be too low for your company. It’s also not the best point-earning option.
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On the other side it is worth noting that the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance and primary car rental coverage and a shopping insurance. If you’re a small company owner, you’ll certainly benefit from these benefits.
Additionally that, the Ink Business Preferred Card is a great way to earn points. When you spend in specific categories, you can earn 3 points per dollar you spend. In this example the case of spending $500 on purchases with your card in the first three months, you will receive a 100,000-point welcome bonus.
The Divvy card is a great choice for business owners in the beginning looking for a business card. This kind of card comes with many benefits and features. You can also track your business expenses with this card.
Divvy integrates with other accounting software and enables users to easily view financial expenses. You can create a budget, set limits, and request money. You can also set a spending limit for your employees.
Divvy also offers a corporate credit card. These cards look at your company’s finances and determine how much you can spend each month. In contrast to traditional business credit cards, Divvy doesn’t require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to find out the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards provide the chance to secure best interest rates on business loans, and they can also offer valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Some cards offer rewards for purchases and travel and others can be used to boost your credit score.
There are numerous credit card issuers you can pick from, including Chase. It is important to consider the method of use for the credit card. It is vital to find the right business credit card for your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card offers solid rewards on different categories of purchases and even covers employees’ cell phone bills.