For those that are starting an enterprise, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes but the process of applying for the business credit card could be confusing and overwhelming. Here are some points you should be aware of about the process of applying for credit card.
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Brex offers a variety of financial products, including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups establish credit histories. Applicants don’t pay interest and don’t need to provide a personal guarantee. Instead the applicants are evaluated based on their company’s business model and their spending habits.
Applicants can have up to 100 percent credit limit. 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.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. For instance, you’ll get four points on travel booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spending management system. The card offers a slew of benefits, including a fixed 1.5 percent cash back rate on all purchases. The card does not have annual fees and doesn’t require any other requirements other than having a high credit score.
If you are a new business it is possible to reap the benefits of a business credit card that is low-interest could be very appealing. You may also consider a business credit card which offers additional security.
A low-interest business credit cards are very convenient because you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you can afford each month. This is particularly applicable if you’re planning to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards for startup companies. It comes with a range of benefits, like an impressive sign-up bonus, purchase protection, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any initial APR deals and the spend limit might not be suitable for your business. In addition, it’s not exactly the most generous points-earning feature.
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On the other hand however, the Ink Business Preferred Card offers numerous other useful features, such as liability insurance, primary car rental coverage and a shopping insurance. As a small business owner, you’ll definitely benefit from these benefits.
The Ink Business Preferred Card is another great way to earn points. When you spend in specific categories, you can earn 3 points for every dollar you spend. In this example when you spend $500 on purchases on your card within the first three months, you’ll get a 100,000 point welcome bonus.
Divvy is a good option for startup business owners looking for a business card. This card comes with a wide range of benefits and features. You can also track your business expenses with this card.
Divvy is compatible with any external accounting software to allow users to view their financial expenses. You can then create budgets, set maximum limits and request money. Divvy also allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card. These cards evaluate your business’s finances and decide how much you’ll need to spend every month. In contrast to traditional business credit cards, Divvy doesn’t require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be the opportunity to get the best rates of interest on business loans, and can also provide valuable rewards. For instance the Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Some cards offer rewards for purchases and travel, while others can be used to build your credit score.
There are numerous credit card issuers you can pick from, including Chase. You must also think about what you intend to do with the credit card. It is crucial to choose the best business credit card that will meet your specific needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card a fantastic option. The card provides solid rewards for a variety of purchase categories and even will pay for employees’ mobile phone costs.