If you are thinking of creating a business, the most important question to ask is “Can I get my business credit card?” Although the answer is yes but it can be confusing and overwhelming to apply for a business credit card. Here are some things you should know about the process of obtaining the credit card.
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Brex 30
Brex provides a variety of financial services, including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups build their credit history. Applicants don’t pay interest and don’t have to offer personal guarantees. Rather, applicants are evaluated by company business model and spending habits.
Users can get a 100 percent credit limit. This limit is determined by the amount the customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its limit for spending.
With a Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you’ll earn four points on travel booked through Brex Travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management system. The card comes with a variety of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card is free of annual charges and doesn’t need any other requirements other than a good credit rating.
For a business that is just beginning it is possible to reap the benefits of a business credit card with low interest are a great deal. You might also consider a business credit card that offers additional protection.
A low-interest business credit cards are very convenient because you don’t have to worry of managing multiple cards or worrying about the amount of money you’ll have to pay 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 most sought-after business credit cards for new businesses. It comes with a range of benefits, like the highest sign-up bonus, purchase protection, and travel perks. It has some downsides.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any introductory APR promotions available, and the spending limit may be too low for your company. It’s also not the best points-earning strategy.
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On the other side, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance and a shopping protection. These perks are great for small business owners.
The Ink Business Preferred Card is another excellent method to earn points. Spend in certain categories and earn three points per dollar. In this example the case of spending $500 on purchases on your card in the first three months, you’ll receive a 100,000-point welcome bonus.
Divide
If you’re a new business owner in search of a business credit card, you may want to look into Divvy. This kind of card comes with numerous benefits and features. It also lets you keep track of your business expenses.
Divvy is compatible with any external accounting software that allows users to monitor their financial expenses. You can create a budget, set limits, and request money. You can also set the spending limit for your employees.
Divvy also offers a corporate credit card for companies. The cards analyze your company’s financial situation and decide on how much you can spend each month. In contrast to traditional business credit cards, Divvy is not a requirement for personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest rates of interest for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Certain cards provide rewards for shopping and travel, while others can be used to boost your credit score.
There are a myriad of credit card issuers to pick from, including Chase. You must also think about the way you intend to use the credit card. It is important to select the right business credit card that meets your particular needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. The card provides solid rewards for various categories of purchases and even will pay for employees’ mobile phone bills.