If you’re thinking of creating your own business, the first important question to ask is “Can I get my business credit card?” The answer is yes however, the process of applying for a business credit card can be daunting and confusing. Here are some tips to be aware of the process of getting credit card.
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Brex 30
Brex offers a variety of financial services including corporate credit cards as well as spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is an account that helps startups establish credit histories. Applicants don’t pay interest or provide personal guarantees. Instead the applicants are evaluated on their company’s business model and their spending habits.
Credit limits of up to 100 percent are available to applicants. The limit is determined by the amount of cash in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use the Brex Corporate credit card. Brex Travel offers four points for booking travel. You can also receive three points on dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as an expense management tool. The card comes with a range of advantages, including a fixed 1.5 percent cashback rate on all purchases. The card doesn’t have annual charges and doesn’t need any other conditions other than having a credit score of at least.
A business credit card with low interest is a great choice for new businesses. A business credit line with additional security could be a good option.
One of the main benefits of a business low-interest credit card is that you don’t have to worry about managing multiple cards or worrying about how much you can afford to pay off every month. This is particularly 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 comes with a range of benefits, including an excellent sign-up bonus purchase security, and travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card may not be perfect. There are no introductory APR promotions available, and the spending cap could be too low for your business. It’s not the most efficient points-earning feature.
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The Ink Business Preferred Card, on the other hand provides a range of useful features like liability insurance as well as primary car rental coverage, shopping protection, and primary car rental coverage. If you’re a small-sized business owner, you’ll definitely enjoy these benefits.
The Ink Business Preferred Card is another great way to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if add $500 worth of purchases to your card in the first three months, you’ll receive an offer of 100,000 points.
Divvy
The Divvy card is a great choice for startup business owners seeking business cards. This card comes with a wide range of benefits and features. You can also monitor your business expenses with this card.
Divvy is compatible with any external accounting software to allow users to see their financial expenses. You can create budgets, set the limits, and request funds. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also has a corporate card. These cards assess your business’ finances and help you decide what amount of money you can spend each month. Contrary to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure best rates of interest for business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash back. Certain cards provide rewards for shopping and traveling as well as others that can be used to improve your credit score.
Aside from the best business credit cards from Chase, there are other credit card issuers that you can turn to. You must also think about how you will use the credit card. It is essential to locate a business credit card that will meet your specific requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. This card offers solid rewards for various purchase categories and even covers employees’ mobile phone bills.
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