If you’re thinking of creating an enterprise, the most important thing to consider is “Can I get my business credit card?” The answer is a resounding yes however the process of applying for a business credit card can be overwhelming and confusing. Here are a few things to be aware of when applying for a credit card.
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Brex 30
Brex provides a variety of financial services, such as corporate credit cards, spend management, and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card that helps start-ups build their credit history. The applicants don’t have to pay interest or need to provide an individual guarantee. Rather, applicants are evaluated by the company’s business model and spending patterns.
Credit limits of up to 100 percent are allowed for applicants. The limit is determined by the amount of money a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards with the Brex Corporate credit card. Brex Travel offers four points for booking travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card and a spend management solution. The card comes with a range of benefits, including a flat 1.5% cashback rate on all purchases. There are no annual fees and the card does not have other requirements aside from a good credit score.
For businesses that are just starting out benefiting from a business credit card that is low-interest could be very appealing. You may also want to look into a business credit card that provides additional security.
Business credit cards with low interest are extremely convenient since you’re not burdened with the stress of managing multiple cards or worrying about the amount of money you can afford each 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 top business credit cards available to start-up companies. It has many benefits, including a high initial bonus and purchase protection along with travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be the perfect choice for your business. There are no introductory APR promotions to be found and the spending cap may be too low for your company. It’s not the most efficient points-earning program.
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On the other side, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These benefits are ideal for small business owners.
The Ink Business Preferred Card is another great way to earn points. When you spend in specific categories, you’ll earn 3 points for every dollar you spend. In this example for example, if you spend $500 on purchases with your card within the first three months, you will be awarded a 100,000 points welcome bonus.
Divide
Divvy is an excellent choice for startup business owners looking for business cards. This type of card comes with many benefits and features. You can also monitor your business expenses with this card.
Divvy can be used alongside any other accounting software to allow users to look at their financial expenses. You can create budgets, set the limits, and request funds. Additionally, Divvy lets you set the spending limit for your employees.
Divvy also has a corporate card. These cards analyze your business finances and allow you to decide what amount of money you’ll need to spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important 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 obtain the highest rates of interest on business loans and provide valuable rewards. For instance a Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash. Certain cards provide rewards for travel and shopping and others can be used to build your credit score.
Aside from the best business credit cards from Chase but there are many other credit card issuers you can turn to. But, you must consider how you will make use of a particular credit card. It is crucial to select the correct business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card provides solid rewards on a variety of purchase categories as well as protects employees’ mobile phone bills.