If you’re thinking of starting 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 confusing and overwhelming. Here are some tips to know about how to get an credit card.
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Brex 30
Brex offers a variety of financial services including corporate credit cards along with spend management and expense management software. It offers a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups build their credit history. Applicants don’t pay interest and don’t have to offer a personal guarantee. Rather, applicants are evaluated by the business model of the company and spending habits.
Users can get 100 percent credit limit. This limit is determined by the amount 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 rewards on purchases. For instance, you can earn four points on trips 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 business credit card that can also be used as an expense management tool. The card comes with a variety of benefits including a standard 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and doesn’t require any other requirements other than a good credit rating.
A low-interest business credit line is a great option for those who are just starting out. A business credit card that offers additional protection may be an option.
One of the primary advantages of a low-interest business credit card is that you don’t need to fret about juggling several cards or worrying about the amount you can afford to pay every month. This is especially true if are looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most sought-after business credit cards for new businesses. It provides a wide range of benefits, including an impressive sign-up bonus, purchase protection, and travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promotions to be found, and the spending cap may be too low for your business. It’s also not the most effective points-earning feature.
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On the other side the Ink Business Preferred Card offers numerous other useful features, including liability coverage, primary car rental coverage and a shopping insurance. These benefits are perfect for small business owners.
Additionally to that, the Ink Business Preferred Card is a great opportunity 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 during the first three months, you’ll receive the welcome bonus of 100,000 points.
Divide
If you’re a startup business owner in search of an account for business credit, you may want to look into Divvy. This card comes with a wide range of benefits and features. It also lets you keep track of your business expenses.
Divvy can be used alongside any other accounting software that allows users to view their financial expenses. The software allows you to set a budget, limit spending, and request funds. In addition, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards assess your company’s finances and determine the amount you should 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. It is important to find out the interest rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure highest rates of interest for business loans. They also offer rewards. For instance one card, the Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for travel and shopping while others can be used to improve your company’s credit score.
In addition to the top business credit cards from Chase but there are many other credit card issuers that you can choose from. However, you must think about the ways you will utilize a specific credit card. It is essential to select the correct business credit card that meets your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for a small business owner. The card provides solid rewards across a variety of categories and even covers mobile phone bills.
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