If you’re starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” While the answer is yes but it can be confusing and overwhelming to apply for a business credit card. Here are some things you need to learn about getting an credit card.
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Brex offers a wide range of financial services, including corporate credit cards as well as spend management and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups build their credit history. The applicants don’t have to pay interest and don’t have to provide personal guarantees. Instead the applicants are evaluated on their business model and their spending habits.
Credit limits of up to 100 percent are permitted for applicants. The limit is determined by the amount of money customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards using the Brex Corporate credit card. For example, you can earn four points when you travel booked through Brex Travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as an expense management tool. The card comes with a range of advantages, including a fixed 1.5 percent cashback on all purchases. The card has no annual charges and doesn’t need any other requirements other than an excellent credit score.
A business credit card with a low-interest rate is a great choice for new businesses. A business credit card with added security may be a good option.
A low-interest business credit cards are very convenient because you’re not juggling the hassle of managing multiple credit cards or worrying about the amount of money you can afford each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards for new businesses. It offers a variety of benefits, such as an excellent sign-up bonus purchase protection, as well as travel perks. However, it does have several drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR deals and the spend limit may not be appropriate for your company. In addition, it’s not exactly the most generous points-earning feature.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features like liability insurance as well as primary coverage for car rentals, shopping protection, and primary coverage for car rental. These perks are great for small-scale business owners.
The Ink Business Preferred Card is another excellent method to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. In this case, if you spend $500 on purchases to your card within the first three months, you’ll receive a 100,000-point welcome bonus.
If you’re a startup business owner looking for an enterprise credit card you might want to look into Divvy. The card comes with a range of benefits and features. You can also monitor your business expenses with this card.
Divvy is compatible with external accounting software, allowing users to easily view financial expenses. You can create budgets, set the limits, and request money. Divvy also allows you to set an amount of money you can spend for your employees.
Divvy also offers a corporate card. The cards analyze your company’s finances and decide how much you should spend every month. In contrast to traditional business credit cards, Divvy does not require an individual guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s essential to understand the company’s rate prior to applying.
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Chase Ultimate Rewards
Business credit cards provide an opportunity to secure the most favorable interest rates on business loans, and they can also provide valuable rewards. For example the Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash. Certain cards provide rewards for shopping and travel while others can be used to build your credit score.
There are a myriad of credit card issuers you can choose from, including Chase. However, you should think about the way you intend to utilize a specific credit card. It is important that you locate the best business credit card that meets your needs.
Small business owners will find the Ink Business Preferred(r), Credit Card a great option. This card provides solid rewards on different categories of purchases and also protects employees’ mobile phone bills.