If you’re thinking of starting your own business, the most important question is “Can I get my business credit card?” Although the answer is yes it can be challenging and overwhelming to apply for an enterprise credit card. Here are some tips to know about how to get credit card.
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Brex offers a variety of financial services like corporate credit cards, spend management and expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups establish their credit histories. The applicants don’t have to pay interest and don’t need to offer a personal guarantee. Instead, applicants are rated by the business model of the company and spending habits.
Credit limits of up to 100 percent are allowed for applicants. This limit is determined by the amount of money the customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding rewards using the Brex Corporate credit card. For instance, you could earn four points on travel booked through Brex Travel. You can also get three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card as well as a spending management solution. It comes with a myriad of benefits including a standard 1.5% cash back rate on all purchases. The card has no annual charges and doesn’t need any other requirements than having a high credit score.
A low-interest business credit card is a great option for startups. A business credit card that comes with added security may be an option.
One of the most important features of a low-interest business credit card is that you don’t have to worry about juggling multiple cards or worrying about how much you can afford to pay every month. This is especially true if you are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It provides a wide range of benefits, including a high sign-up bonus, purchase protection, and travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any promotional APR promotions to be found and the spending limit may be too low for your business. In addition, it’s not exactly the most generous points-earning program.
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On the other hand it is worth noting that the Ink Business Preferred Card offers many other beneficial features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. These perks are great for small-scale business owners.
The Ink Business Preferred Card is another great method to earn points. When you spend in specific categories, you’ll earn 3 points per dollar you spend. In this example when you spend $500 on purchases with your card within the first three months, you’ll get a 100,000 point welcome bonus.
Divvy is a good option for startup business owners seeking business cards. This type of card comes with a range of benefits and features. You can also keep track of your business expenses by using this card.
Divvy can be used with accounting software and enables users to view their the financial expenses. You can create budgets, set the limits, and request funds. Additionally, Divvy lets you set an expense limit for your employees.
Divvy also offers a corporate credit card. These cards review your company’ finances and help you decide on how much you should spend every month. In contrast to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure best rates of interest for business loans. They also offer rewards. For instance one card, the Chase Ultimate Rewards business credit card provides bonus points which can be converted into cash. Certain cards provide rewards for travel and shopping and some can be used to help build your business’s credit.
There are a myriad of credit card issuers that you can select from, including Chase. However, you must think about the way you intend to utilize a specific credit card. It is important to find a business credit card that will meet your specific needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. The card provides solid rewards for various purchase categories and even covers employees’ mobile phone costs.