For those who are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” Although the answer is yes, it can be confusing and overwhelming to apply for an enterprise credit card. Here are a few tips to be aware of the process of obtaining credit card.
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Brex 30
Brex provides a broad range of financial services, including corporate credit cards as well as spend management and expense management software. Brex offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups, is an account that helps startups establish their credit history. The cardholders don’t have to pay any interest and don’t need to offer a personal guarantee. Instead, applicants are rated by company business model and spending patterns.
Credit limits as high as 100 percent are allowed for applicants. The limit is by the amount of cash in a customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its spending limit.
You can earn rewards using a Brex Corporate credit card. For instance, you can earn four points when you travel booked through Brex Travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card as well as a spending management tool. The card comes with a range of benefits, including a standard 1.5 percent cashback on all purchases. There are no annual fees and the card does not have other requirements other than having a credit score of at least.
For businesses that are just starting out, the benefits of using a business credit card that is low-interest are a great deal. You may also want to look into a credit card for business with additional protection.
One of the key features of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about how much you’ll be able to pay every 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 comes with a range of benefits, like an excellent sign-up bonus purchase protection, as well as travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any introductory APR promotions to be found and the spending limit may be too low for your company. It’s not the most efficient points-earning program.
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The Ink Business Preferred Card, however, offers many other useful features, including liability coverage, primary car rental coverage shopping protection, as well as primary coverage for car rental. If you’re a small-sized company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another great method to earn points. When you spend in specific categories, you can earn three points per dollar you spend. For instance, if charge $500 in purchases to your card in the first three months, you’ll get an offer of 100,000 points.
Divvy
The Divvy card is a great choice for business owners who are just starting out seeking an enterprise card. This type of card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy integrates with other accounting software, and allows users to view their financial expenses. You can then create budgets, set the limits, and request funds. You can also set the spending limit for your employees.
Divvy also offers corporate cards. These cards review your company finances and assist you to decide how much money you’ll need to spend each month. Contrary to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s essential to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the highest interest rates for business loans, and they can also offer valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card offers bonus points that could be converted to cash back. Some cards offer rewards for shopping and traveling while others can be used to help to build credit for your business.
There are many credit card issuers you can select from, including Chase. You should also think about what you intend to do with the credit card. It is vital to find the right corporate credit card for your needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card offers solid rewards on various purchase categories and even protects employees’ mobile phone bills.