For those that are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes but the process of applying for a business credit card can be confusing and overwhelming. Here are a few tips to be aware of the process of applying for credit card.
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Brex 30
Brex offers a wide variety of financial services, such as corporate credit cards and spend management as well as expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, or 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 on their company’s business model and spending habits.
Credit limits of up to 100 percent are allowed for applicants. This limit is determined by the amount 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 significant rewards when you use a Brex Corporate credit card. For instance, you could earn four points on trips booked through Brex Travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as an expense management tool. It offers a wide range of benefits, including a simple 1.5% cashback rate on all purchases. There are no annual fees, and the card doesn’t have other requirements aside from having a high credit score.
For businesses that are just starting out one of the advantages of using the low-interest business credit cards are a great deal. A business credit card that comes with additional security could be an option.
A low-interest business credit card are very convenient because you’re not juggling the hassle of managing multiple credit cards or worrying about how much you can manage each month. This is particularly true if you’re looking to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for startups. It provides a wide range of benefits, such as the highest sign-up bonus, purchase protection, and travel benefits. However, it also has some disadvantages.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any introductory APR promotions to be found, and the spending limit could be too low for your business. It’s not the most efficient points-earning strategy.
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The Ink Business Preferred Card, on the other hand, offers many other useful features, such as liability coverage and primary coverage for car rentals shopping protection, as well as primary coverage for rental cars. These perks are great for small-scale business owners.
Moreover to that, the Ink Business Preferred Card is a great way to earn points. If you make purchases in certain categories, you can earn 3 points for every dollar you spend. In this example, if you spend $500 on purchases made with your card within the first three months, you will receive a 100,000-point welcome bonus.
Divide
If you’re a business owner looking for an enterprise credit card you might want consider Divvy. This type of credit card provides various advantages and features. It also lets you keep track of your business expenses.
Divvy integrates with other accounting software, and allows users to quickly view the financial expenses. You can create budgets, set limits, and request money. It also lets you set an expense limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards evaluate your business’ finances and help you decide how much money you’ll need to spend every month. As opposed to traditional business credit card, Divvy does not require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest interest rates for business loans, and also provide valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash back. Some cards offer rewards for shopping and travel, while others can be used to improve your credit score.
There are a myriad of credit card issuers you can pick from, including Chase. But, you must consider how you will utilize a specific credit card. It is essential to find the right business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. This card offers solid rewards across a variety of categories and even covers mobile phone costs.