For those who are just beginning an enterprise, one of 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 tips to be aware of the process of obtaining credit card.
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Brex 30
Brex provides a variety of financial services, such as corporate credit cards spending management, as well as expense management software. It provides an all-in-one 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. Applicants don’t pay interest or need to provide personal guarantees. Rather, applicants are evaluated by company business model and spending patterns.
Credit limits of up to 100 percent are permitted for applicants. The limit is by the amount of money that is in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards when you use the Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management solution. The card offers a slew of benefits, including a flat 1.5% cash back rate on all purchases. There are no annual fees and the card doesn’t require other requirements except for an excellent credit score.
For a business that is just beginning one of the advantages of using the low-interest business credit cards could be very appealing. You may also look into a credit card for business that provides additional security.
One of the most important features of a low-interest business credit card is that you don’t need to fret about juggling several cards or worrying about how much you’ll be able to pay 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 most sought-after business credit cards for startups. It comes with a range of benefits, including an impressive sign-up bonus, purchase protection, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions available, and the spending cap may be too low for your business. It’s not the most efficient points-earning feature.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance and a shopping protection. As a small-scale company owner, you’ll certainly enjoy these benefits.
Moreover that, the Ink Business Preferred Card is an excellent method to earn points. When you spend in certain categories, you’ll earn 3 points per dollar you spend. For instance, if make a purchase of $500 to your card during the first three months, then you’ll be rewarded with a welcome bonus of 100,000 points.
Divvy
If you’re a start-up business owner looking for an enterprise credit card you might want to think about Divvy. The card comes with a range of benefits and features. You can also keep track of your business expenses by using this card.
The Divvy app can be used with any external accounting software that allows users to view their financial expenses. The program lets you make a budget, limit spending and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards analyze your business’ finances and help you determine how much you’ll need to spend each 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’s important to understand the company’s rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the most favorable interest rates for business loans, and also provide valuable rewards. For instance the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Some cards offer rewards for travel and shopping as well as other cards that can be used to help increase your business’s credit.
There are many credit card issuers that you can pick from, including Chase. It is important to consider the method of use for the credit card. It is important to find the right business credit card that will meet your needs.
The Ink Business Preferred(r) Credit Card is a viable option for small-sized business owners. The card gives you solid rewards on different categories of purchases and also protects employees’ mobile phone bills.