For those who are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes but it can be difficult and confusing to apply for a business credit card. Here are a few tips to be aware of the process of applying for a 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, or Brex for Startups, is an credit card that assists startups establish their credit history. The applicants don’t have to pay interest or have to provide an individual guarantee. Rather, applicants are evaluated on the basis of their business model and spending habits.
Applicants can have up to 100 percent credit. The limit is determined by the amount of money a customer has in their Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
You can earn rewards with the Brex Corporate credit card. Brex Travel offers four points when you book travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management solution. It offers a wide range of benefits, including a standard 1.5 percent cashback on all purchases. There are no annual fees and the card doesn’t have any other requirements other than having a high credit score.
For a business that is just beginning benefiting from a low-interest business credit card could be very appealing. A business credit line with additional security could be a possibility.
A business credit card with a low-interest rate are extremely convenient since you don’t have the worry of managing multiple cards or worrying about how much you can manage each month. This is particularly relevant if you’re trying to finance large 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 comes with a variety of benefits, including a substantial initial bonus, purchase protection, along with travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any initial APR promos and the spending limit may not be appropriate for your company. It’s also not the most effective points-earning feature.
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On the other side however, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance as well as primary coverage for car rental and a shopping protection. As a small company owner, you’ll certainly get these benefits.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories , and you’ll earn 3 points for every dollar. For instance, if make a purchase of $500 to your card in the first three months, you’ll receive an initial bonus of 100,000 points.
If you’re a startup business owner in search of a business credit card you might want to think about Divvy. This type of card comes with numerous advantages and features. You can also keep track of your business expenses using this card.
Divvy integrates with other accounting software and enables users to view their financial expenses. The program lets you set a budget, limit spending and request money. Additionally, Divvy permits you to 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’ll have to spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to understand the company’s rate before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the highest interest rates for business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Some cards offer rewards for shopping and travel as well as others that are able to help build your credit score.
In addition to the top business credit cards from Chase There are other credit card issuers that you can turn to. You must also think about how you will use the credit card. It is essential to locate the right business credit card that is suitable for your needs.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card an excellent option. The card is a good option for earning rewards for a variety of purchase categories and even protects employees’ mobile phone bills.