If you’re thinking of starting a business, the most important question is “Can I get my business credit card?” The answer is yes however, the process of obtaining an official business credit card can be daunting and confusing. Here are some things you need to know about the process of applying for a credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish credit histories. The cardholders don’t have to pay any interest or offer personal guarantees. Instead, applicants are rated by the business model of the company and spending habits.
Credit limits of up to 100 percent are allowed for applicants. The limit is determined based on the amount of money in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards using a Brex Corporate credit card. Brex Travel offers four points to book travel. You can also receive three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spend management system. The card comes with a variety of benefits including a standard 1.5% cash back rate on all purchases. There are no annual charges, and the card doesn’t have other requirements aside from a good credit score.
A business credit card with low interest is a great choice for those who are just starting out. It is also possible to consider a business credit card which offers additional security.
One of the key advantages of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about the amount you can afford to pay every 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 best business credit cards designed for start-up businesses. It comes with a range of benefits, like an impressive sign-up bonus, purchase protection, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions to be found, and the spending cap could be too low for your business. It’s also not the best points-earning strategy.
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On the other hand, the Ink Business Preferred Card offers numerous other useful features, including liability coverage, primary car rental coverage, and a shopping protection. If you’re a small-sized company owner, you’ll certainly get these benefits.
The Ink Business Preferred Card is another excellent method to earn points. Spend in specific categories and you’ll earn three points per dollar. In this case, if you spend $500 on purchases with your card in the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divide
If you’re a start-up business owner looking for a credit card for business you might want to think about Divvy. The card comes with a range of benefits and features. It also allows you to track your business expenses.
Divvy is compatible with any external accounting software to allow users to monitor their financial expenses. The program allows you to create a budget, restrict spending and even request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards assess your company’s financial situation and decide on how much you’ll need to spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards provide the chance to secure most favorable interest rates on business loans. They can also provide valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash back. Some cards offer rewards for shopping and traveling, and others can be used to help increase your business’s credit.
There are many credit card issuers that you can choose from, including Chase. However, you should think about the manner in which you make use of a specific credit card. It is important that you choose the appropriate business credit card that meets your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card offers solid rewards on various purchase categories and also covers employees’ cell phone bills.