If you are thinking of creating a business, the most important question is “Can I get my business credit card?” While the answer is yes, it can be daunting and confusing to apply for an enterprise credit card. Here are some tips to know about how to get a credit card.
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Brex 30
Brex offers a wide variety of financial services, including corporate credit cards and spend management as well as expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card that assists start-ups establish their credit histories. It doesn’t charge interest or need to provide personal guarantees. Instead, applicants are evaluated by the company’s business model and spending patterns.
Credit limits of up 100 percent are permissible for applicants. This limit is by the amount of cash in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn substantial rewards on purchases. Brex Travel offers four points when you book travel. Additionally, you can 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 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 any other requirements aside from an excellent credit score.
A business credit card with a low-interest rate is a great option for new businesses. A business credit card with additional security might be an option.
Business credit cards with low interest are very convenient because you don’t have to worry of managing multiple credit cards or worrying about the amount of money you’ll have to pay each month. This is especially true when you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards designed for start-up companies. It comes with a variety of advantages, including a large sign-up bonus as well as purchase protection as well as travel benefits. It does have some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR promotions available, and the spending limit may be too low for your business. It’s also not the best points-earning feature.
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The Ink Business Preferred Card, however, offers many other useful features, such as liability coverage, primary car rental coverage shopping protection, as well as primary coverage for car rentals. These benefits are ideal for small-scale business owners.
Furthermore it is worth noting that the Ink Business Preferred Card is a great opportunity to earn points. When you spend money in certain categories, you’ll earn three points for every dollar you spend. For example, if you charge $500 in purchases to your credit card within the first three months, you’ll get the welcome bonus of 100,000 points.
Divvy
If you’re a startup business owner in search of an account for business credit, you may want to consider Divvy. This type of card comes with many advantages and features. It also allows you to keep track of your business expenses.
Divvy works with external accounting software that allows users to quickly view financial expenses. You can then create budget, set limits, and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business’s finances and determine how much you can spend every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to get the most favorable rates of interest for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and travelling while others can be used to help build your business’s credit.
There are a variety of credit card issuers you could pick from, including Chase. However, you must think about the manner in which you make use of a specific credit card. It is crucial to locate the best business credit card for your requirements.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card gives you solid rewards for various categories of purchases and even covers mobile phone expenses.