If you’re thinking of starting your own business, the most important question to ask is “Can I get my business credit card?” The answer is a resounding yes, but the process of obtaining a business credit card can be daunting and confusing. Here are some tips to be aware of when applying for the credit card you need.
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Brex provides a variety of financial services, such as corporate credit cards and spend management as well as expense management software. Brex offers a complete financial solution for startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups build their credit history. It doesn’t charge interest or require a personal guarantee. Instead, applicants are assessed on the basis of their business model and spending patterns.
The applicants can enjoy up to a 100 percent credit limit. This limit is by the amount of money in the customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its limit for spending.
With a Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you can get four points on travel booked through Brex Travel. Additionally, you can earn three points for dining out.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as a spending management tool. The card offers a slew of benefits, including a flat 1.5% cash back rate on all purchases. The card is free of annual charges and doesn’t need any other conditions other than having a high credit score.
A low-interest business credit line is a great option for startups. A business credit card with additional protection may be an option.
A business credit card with a low-interest rate are very convenient because you’re not juggling the hassle of managing multiple cards or worrying about how much you can manage each month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for new companies. It provides many benefits, including a high sign up bonus along with purchase protection, along with travel perks. It does have some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR promotions and the spending limit might not be suitable for your company. This isn’t the most efficient points-earning strategy.
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On the other hand however, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance, primary car rental coverage and a shopping insurance. These perks are great for small-scale business owners.
Additionally it is worth noting that the Ink Business Preferred Card is an excellent way to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if make a purchase of $500 to your card during the first three months, you’ll get an initial bonus of 100,000 points.
Divvy is an excellent choice for entrepreneurs who are starting their business and seeking an business card. This type of card offers various benefits and features. You can also keep track of your business expenses by using this card.
Divvy is compatible with external accounting software, and allows users to quickly view the financial expenses. The program allows you to create a budget, restrict spending and request money. In addition, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate card. These cards review your company’ finances and help you decide on how much you’ll need to spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is crucial 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 highest rates of interest for business loans. They also offer rewards. For example, a Chase Ultimate Rewards business credit card offers bonus points that could be converted to cash back. Certain cards provide rewards for purchases and travel and others can be used to boost your credit score.
There are a variety of credit card issuers you could select from, including Chase. But, you must consider the way you intend to make use of a specific credit card. It is crucial to choose an enterprise credit card that meets your particular needs.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card provides solid rewards on a variety of purchase categories, and it even covers cell phone bills.