If you’re thinking of creating your own business, the most important question you should ask yourself is “Can I get my business credit card?” The answer is a resounding yes however the process of getting the business credit card could be a bit overwhelming and confusing. Here are some things to be aware of before obtaining credit card.
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Brex provides a range of financial products, including corporate credit cards, spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build credit histories. Applicants don’t pay interest or have to provide personal guarantees. Instead applicants are evaluated on their budget and business model.
Credit limits of up to 100 percent are permissible for applicants. The limit is by the amount of money in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards using 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 small-sized business credit card that can also be used as a spend management tool. The card provides a range of advantages, including a fixed 1.5 percent cashback rate on all purchases. There are no annual charges, and the card does not have other requirements aside from an excellent credit score.
A business credit card with a low-interest rate is a great choice for those who are just starting out. You may also look into a business credit card that provides additional security.
A low-interest business credit cards are very convenient because you don’t have the worry of managing multiple credit cards or worrying about how much money you can afford each month. This is especially relevant if you’re trying to finance major expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards for startups. It offers a variety of advantages, including a high sign-up bonus, purchase protection, as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any initial APR promotions and the spending limit may not be appropriate for your business. This isn’t the most efficient points-earning strategy.
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On the other hand, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance, primary car rental coverage as well as a shopping security. These perks are perfect for small business owners.
The Ink Business Preferred Card is another excellent way to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For example, if you charge $500 in purchases to your credit card within the first three months, you’ll receive an offer of 100,000 points.
Divvy is a good option for business owners in the beginning looking for business cards. This card comes with a wide range of advantages and features. You can also monitor your business expenses with this card.
Divvy can be integrated with any external accounting software that allows users to view their financial expenses. The program allows you to set a budget, limit spending and request money. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards review your company finances and allow you to decide on how much you’ll need to invest every month. Unlike traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy does not disclose any interest rates on its website. It is crucial to know the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest interest rates for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Certain cards provide rewards for shopping and travel while others can be used to boost your credit score.
Aside from the best business credit cards from Chase, there are other credit card issuers you can turn to. You should also consider what you intend to do with the credit card. It is essential to select the correct corporate credit card for your needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. The card provides solid rewards for a variety of purchase categories and even covers mobile phone expenses.