For those who are starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes, it can be confusing and overwhelming to apply for an enterprise credit card. Here are some things you need to be aware of when applying for the credit card you need.
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Brex 30
Brex provides a range of financial products, including corporate credit cards, spend management and expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that can help entrepreneurs build credit histories. It doesn’t charge interest or need to provide a personal guarantee. Instead, applicants are evaluated based on their company’s business model and their spending habits.
Credit limits up to 100 percent are permitted for applicants. The limit is determined by the amount of money the customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
You can earn valuable rewards when you use a Brex Corporate credit card. For instance, you’ll earn four points when you travel booked through Brex Travel. You can also get three points for dining.
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Capital on Tap
Capital on Tap is a complete small business credit card as well as a spending management solution. The card offers a variety of benefits, including a simple 1.5 percent cashback on all purchases. The card does not have annual fees and does not have any other requirements than an excellent credit score.
A low-interest business credit line is a great option for startups. You may also want to look into a business credit card with additional protection.
A business credit card with a low-interest rate are extremely convenient since you don’t have the worry of managing multiple credit cards or worrying about how much you can manage each month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards that are designed for startups. It offers many benefits, including a substantial initial bonus, purchase protection, and travel perks. However, it has a few drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any promotional APR promotions and the spending limit might not be suitable for your business. Moreover, it’s not the most generous points-earning program.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. If you’re a small-sized business owner, you’ll definitely benefit from these perks.
Moreover it is worth noting that the Ink Business Preferred Card is an excellent way to earn points. Spend in certain categories , and you’ll earn three points per dollar. For instance, if you make a purchase of $500 to your credit card within the first three months, you’ll be eligible for an initial bonus of 100,000 points.
Divide
The Divvy is a great option for business owners in the beginning looking for a business card. This kind of card comes with numerous advantages and features. You can also track your business expenses with this card.
The Divvy app can be used with any accounting software to allow users to monitor their financial expenses. You can create budgets, set the maximum limits and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card. These cards assess your company’s finances and decide how much you’ll need to spend every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest interest rates for business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Some cards offer rewards for shopping and travelling while others can be used to to build credit for your business.
There are many credit card issuers you can choose from, including Chase. You must also think about the method of use for the credit card. It is essential to choose the appropriate corporate credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card provides solid rewards for various categories of purchases and even covers employees’ cell phone bills.