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 however the process of getting an official business credit card can be overwhelming and confusing. Here are some things you need to be aware of before obtaining the credit card you need.
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Brex offers a wide range of financial services, such as corporate credit cards and spend management as well as expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit score. The applicants don’t have to pay interest or need to provide an individual guarantee. Instead, applicants are rated by company business model and spending habits.
Credit limits of up to 100 percent are permitted for applicants. 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. Brex Travel offers four points for booking travel. You can also receive three points for dining out.
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Capital on Tap
Capital on Tap is a one-stop small business credit card and spending management tool. The card provides a range of benefits, including a simple 1.5% cashback rate on all purchases. The card does not have annual charges and doesn’t need any other conditions other than a good credit rating.
For a business that is just beginning benefiting from the low-interest business credit cards can be extremely appealing. You may also think about a business credit card that provides additional security.
One of the key features of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll be able to pay off each month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up businesses. It provides many advantages, including a large sign up bonus and purchase protection and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any promotional APR promos and the spending limit may not be appropriate for your company. It’s also not the most effective points-earning feature.
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On the other hand, 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 perks are great for small-scale business owners.
The Ink Business Preferred Card is another great method to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if you charge $500 in purchases to your credit card during the first three months, you’ll receive a welcome bonus of 100,000 points.
The Divvy is a great option for business owners in the beginning seeking business cards. This card offers a variety of benefits and features. You can also keep track of your business expenses by using this card.
The Divvy app can be used with any external accounting software that allows users to look at their financial expenses. You can create budgets, set the limits, and request funds. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business finances and allow you to decide what amount of money you’ll need to invest every month. Contrary to traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to know the rate of the company before 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. For example the Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Some cards offer rewards for shopping and travelling and some can be used to help to build credit for your business.
There are a variety of credit card issuers that you can choose from, including Chase. However, you should think about the ways you will utilize a specific credit card. It is essential to locate the right business credit card that will meet your specific requirements.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card provides solid rewards on different categories of purchases and also will pay for employees’ cell phone bills.