For those that are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer but it can be difficult and confusing to apply for a business credit card. Here are some things to learn about getting the credit card you need.
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Brex provides a range of financial services like corporate credit cards, spend management and expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit history. The applicants don’t have to pay interest and don’t have to provide a personal guarantee. Instead, applicants are evaluated by company business model and spending patterns.
Credit limits of up 100 percent are permitted for applicants. This limit is by the amount of cash in the customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card you can earn substantial rewards on purchases. For instance, you’ll earn four points on trips booked through Brex Travel. You can also get three points when dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spending management tool. The card provides a range of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual fees and the card doesn’t have any other requirements, aside from having a high credit score.
A low-interest business credit line is a great choice for businesses that are just starting out. You may also think about a business credit card that offers additional protection.
Business credit cards with low interest are extremely convenient since you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is especially true if you’re looking to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for new companies. It has many advantages, such as a huge reward for signing up along with purchase protection, as well as travel benefits. However, it does have several drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any promotional APR offers and the spending limit might not be suitable for your business. It’s also not the most effective point-earning option.
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On the other side however, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. If you’re a small business owner, you’ll surely enjoy these benefits.
Moreover to that, the Ink Business Preferred Card is an excellent opportunity to earn points. Spend in certain categories and earn 3 points for every dollar. For example, if you make a purchase of $500 to your card in the first three months, you’ll receive an initial bonus of 100,000 points.
Divvy is a good option for business owners in the beginning looking for business cards. The card comes with a range of advantages and features. It also allows you to keep track of your business expenses.
Divvy can be used with any external accounting software to allow users to see their financial expenses. You can create budget, set maximum limits and request money. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards look at your company’s finances and determine the amount you’ll have to spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to find out the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards can be a way to secure the most favorable interest rates on business loans, and can also offer valuable rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted to cash back. Certain cards provide rewards for shopping and travel, while others are able to help build your credit score.
There are a variety of credit card issuers you could choose from, such as Chase. It is important to consider the way you intend to use the credit card. It is essential to find the right business credit card that meets your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card offers solid rewards for various categories of purchases and also covers employees’ cell phone bills.