For those that are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” While the answer is yes but it can be difficult and confusing to apply for an enterprise credit card. Here are some things you should know about the process of applying for the credit card.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards spending management, as well as expense management software. It 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 credit histories. It doesn’t charge interest and don’t have to provide a personal guarantee. Instead, applicants are evaluated based on their company’s business model and their spending habits.
Customers can get up to 100 percent credit. This limit is determined by the amount that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn valuable rewards using the Brex Corporate credit card. Brex Travel offers four points when you book travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spending management solution. The card offers a slew of benefits including a standard 1.5% cash back rate on all purchases. There are no annual fees and the card doesn’t have other requirements, aside from an excellent credit score.
A low-interest business credit line is a great choice for those who are just starting out. A business credit card that offers additional security might be a good option.
One of the main features of a low-interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you’ll be able to pay off 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 well-known business credit cards for startups. It provides many advantages, such as a huge initial bonus as well as purchase protection as well as travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any APR introductory promotions available, and the spending cap may be too low for your business. It’s not the most efficient point-earning option.
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On the other side, the Ink Business Preferred Card offers several other valuable features, including liability coverage and primary car rental coverage and a shopping protection. If you’re a small-sized company owner, you’ll certainly benefit from these perks.
The Ink Business Preferred Card is another excellent way to earn points. Spend in certain categories and you’ll earn 3 points for every dollar. For example, if you make a purchase of $500 to your credit card during the first three months, you’ll get an initial 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 consider Divvy. This kind of card comes with a range of advantages and features. It also allows you to monitor your business expenses.
Divvy can be used alongside any other accounting software to allow users to look at their financial expenses. The software allows you to create a budget, restrict spending, and request funds. Additionally, Divvy lets you set an amount of money you can spend for your employees.
Divvy also has a corporate card. These cards evaluate your business financial situation and help you decide on how much you should spend every month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is essential to know the interest rate of the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most competitive rates of interest on business loans. They also offer rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash or cash back. Some cards offer rewards for travel and shopping and others can be used to build your credit score.
In addition to the top business credit cards offered by Chase, there are other credit card issuers you can use. However, you must think about the ways you will utilize a specific credit card. It is important to select a business credit card that is suitable for your specific requirements.
The Ink Business Preferred(r) Credit Card is a good option for a small business owner. This card is a great way to earn rewards on a variety of purchase categories and even covers employees’ cell phone bills.
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