If you’re starting the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” While there is a yes answer but it can be daunting and confusing to apply for a business credit card. Here are a few tips to be aware of the process of applying for the credit card.
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Brex 30
Brex provides a range of financial services like corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution to startups.
The Brex Card, also known as Brex for Startups, is an account that helps startups establish their credit history. The cardholders don’t have to pay any interest or offer an individual guarantee. Instead the applicants are evaluated on their company’s business model and their spending habits.
Credit limits up to 100 percent are allowed for applicants. The limit is determined based on the amount of cash in the customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine its spending limit.
You can earn rewarding rewards when you use a Brex Corporate credit card. Brex Travel offers four points to book travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spending 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 a good credit score.
For businesses that are just starting out one of the advantages of using a business credit card with low interest can be extremely appealing. You might also think about a business credit card which offers additional security.
One of the key features of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll be able to pay every month. This is especially true if you’re looking to finance large expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards available to start-up businesses. It comes with a variety of advantages, including a large sign up bonus and purchase protection along with travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There are no introductory APR promotions and the spending limit might not be suitable for your company. This isn’t the most efficient points-earning strategy.
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The Ink Business Preferred Card, on the other hand, offers many other useful features like liability insurance as well as primary coverage for car rentals, shopping protection, and primary coverage for car rentals. These benefits are perfect for small-scale business owners.
The Ink Business Preferred Card is another great way to earn points. Spend in certain categories , and you’ll earn 3 points for every dollar. For example, if you charge $500 in purchases to your card during the first three months, then you’ll be rewarded with a welcome bonus of 100,000 points.
Divide
If you’re a business owner looking for an enterprise credit card you might want look into Divvy. This type of card offers various advantages and features. You can also track your business expenses with this card.
Divvy can be integrated alongside any other accounting software that allows users to see their financial expenses. The program allows you to set a budget, limit spending, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. These cards assess your business finances and allow you to determine how much you’ll need to invest every month. Unlike traditional business credit cards, Divvy does not require a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company prior to you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure the best rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash back. Certain cards provide rewards for shopping and travel while others can be used to build your credit score.
There are numerous credit card issuers that you can choose from, such as Chase. It is important to consider the way you intend to use the credit card. It is essential to locate a business credit card that suits your needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card offers solid rewards on various purchase categories, and it even covers employees’ cell phone bills.