For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes however the process of obtaining an enterprise credit card can be overwhelming and confusing. Here are a few things you should know about the process of obtaining credit card.
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Brex offers a variety of financial services like corporate credit cards, spend management and expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit score. It doesn’t charge interest and don’t have to provide a personal guarantee. Instead the applicants are evaluated based on their budget and business model.
Credit limits as high as 100 percent are allowed for applicants. The limit is determined by the amount of money a customer has in their Brex Cash account. Each day the Brex Card draws from the account to determine the limit of its spending.
You can earn rewarding 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 small-sized business credit card that can be used as a budget management tool. The card offers a variety of benefits, including a flat 1.5 percent cashback on all purchases. There are no annual fees, and the card doesn’t have other requirements except for having a high credit score.
A low-interest business credit card is a great choice for new businesses. You may also consider a business credit card that provides additional security.
One of the main advantages of a low interest business credit card is that you don’t need to worry about managing multiple cards or worrying about the amount you can afford to pay each month. This is particularly relevant if you’re trying to finance major expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It comes with a variety of advantages, including a large sign up bonus and purchase protection and travel perks. It has some downsides.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions available, and the spending limit could be too low for your company. It’s also not the best points-earning strategy.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, including liability coverage in addition to primary car rental insurance and a shopping protection. These benefits are ideal for small business owners.
Additionally to that, the Ink Business Preferred Card is an excellent way to earn points. Spend in certain categories and you’ll earn three points per dollar. For instance, if you charge $500 on purchases to your card in the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
If you’re a business owner in search of a business credit card You might want to think about Divvy. The card comes with a range of advantages and features. It also allows you to track your business expenses.
Divvy can be integrated alongside any other accounting software that allows users to see their financial expenses. You can create budgets, set maximum limits and request money. Divvy also allows you to set a spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business’s finances and determine the amount you’ll need to spend every month. Divvy doesn’t 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 prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to secure most favorable rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted into cash back. Some cards offer rewards for shopping and travel and others can be used to improve your credit score.
Apart from the top business credit cards offered by Chase and other credit card issuers that you can turn to. You must also think about how you will use the credit card. It is vital to select the correct business credit card that meets your needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. The card provides solid rewards for a variety of purchase categories and even protects employees’ mobile phone bills.