For those who are just beginning a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of applying for an official business credit card can be a bit overwhelming and confusing. Here are some tips to be aware of when applying for credit card.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit score. The cardholders don’t have to pay any interest and don’t need to offer an individual guarantee. Instead the applicants are evaluated on their budget and business model.
The applicants can enjoy up to a 100 percent credit limit. The limit is based on the amount of money in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you could earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a spend management tool. The card offers a variety of benefits, including a simple 1.5 percent cashback on all purchases. The card has no annual fees and doesn’t have any other requirements than a good credit rating.
A low-interest business credit card is a great choice for startups. A business credit card that offers added security may be a good option.
One of the key advantages of a low interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you can afford to pay off every month. This is especially applicable if you’re planning to finance large expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards for startups. It provides a wide range of benefits, like an excellent sign-up bonus purchase security, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR promotions to be found and the spending cap may be too low for your company. Furthermore, it’s not the most generous points-earning feature.
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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 protection. As a small business owner, you’ll surely benefit from these perks.
Furthermore, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in specific categories and you’ll earn three points per dollar. For example, if you add $500 worth of purchases to your credit card within the first three months, then you’ll be rewarded with a welcome bonus of 100,000 points.
Divvy
The Divvy card is a great choice for business owners in the beginning looking for an business card. This card has a variety of advantages and features. It also lets you keep track of your business expenses.
Divvy can be used alongside any other accounting software that allows users to see their financial expenses. You can create budgets, set limits on spending and request money. Additionally, Divvy lets you set an expense limit for your employees.
Divvy also offers a corporate credit card for companies. These cards evaluate your business’s finances and decide how much you’ll have to spend every month. Contrary to traditional business credit cards, Divvy doesn’t require personal guarantees.
However, Divvy does not disclose any interest rates on its website. It is crucial to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards offer the opportunity to get the highest interest rates for business loans, and are also able to provide useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Some cards offer rewards for purchases and travel, while others can be used to improve your credit score.
In addition to the top business credit cards offered by Chase, there are other credit card issuers that are available to. It is important to consider the method of use for the credit card. It is important to select the right business credit card that suits your particular needs.
The Ink Business Preferred(r) Credit Card is a viable option for small-sized business owners. The card gives you solid rewards on different categories of purchases and also covers cell phone bills.