If you’re thinking about starting your own business, the first important question to ask is “Can I get my business credit card?” The answer is yes, but the process of obtaining an enterprise credit card can be confusing and overwhelming. Here are some things you need to know about the process of obtaining a credit card.
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Brex offers a variety of financial services , including corporate credit cards, 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 that assists start-ups build their credit score. Applicants don’t pay interest or require an individual guarantee. Instead, applicants are rated by the company’s business model and spending habits.
Customers can get up to 100 percent credit limit. The limit is determined by the amount of cash in a customer’s Brex Cash account. Every day the Brex Card draws from the account to determine the limit of its spending.
You can earn rewards with a Brex Corporate credit card. Brex Travel offers four points for booking travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spend management tool. It comes with a myriad of benefits including a flat 1.5% cash back rate on all purchases. There are no annual fees, and the card doesn’t have other requirements other than having a credit score of at least.
For a startup business one of the advantages of using a low-interest business credit card can be extremely appealing. You might also consider a business credit card which offers additional security.
A business credit card with a low-interest rate are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you’ll have to pay each month. This is particularly important if you’re trying to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards available to start-up businesses. It provides a wide range of benefits, like an impressive sign-up bonus, purchase protection, as well as travel perks. It has some downsides.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions to be found, and the spending limit could be too low for your business. It’s also not the most generous point-earning system.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance as well as primary coverage for car rental and a shopping protection. If you’re a small business owner, you’ll definitely get these benefits.
The Ink Business Preferred Card is another great way to earn points. When you spend money in certain categories, you’ll earn 3 points per dollar you spend. In this instance when you spend $500 on purchases with your card in the first three months, you’ll receive a 100,000 point welcome bonus.
The Divvy is a great option for business owners who are just starting out looking for a business card. The card comes with a range of benefits and features. It also allows you to track your business expenses.
Divvy can be used alongside any other accounting software that allows users to monitor their financial expenses. You can then create budgets, set the limits, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards evaluate your business’s finances and decide how much you should spend every 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 prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive rates of interest for business loans. They also offer rewards. For instance the Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Certain cards provide rewards for shopping and travel, and others can be used to help increase your business’s credit.
Apart from the top business credit cards offered by Chase and other credit card issuers that you can use. It is important to consider how you will use the credit card. It is essential to locate the best business credit card that suits your specific needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card an excellent option. This card provides solid rewards on different categories of purchases and even will pay for employees’ cell phone bills.