If you’re thinking of starting your own business, the first important question you should ask yourself is “Can I get my business credit card?” The answer is yes however, the process of obtaining an official business credit card can be confusing and overwhelming. Here are some things 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 as well as spend management and expense management software. It offers a complete financial solution to startups.
The Brex Card, also known as Brex for Startups, is an account that helps startups build their credit history. The applicants don’t pay interest or provide an individual guarantee. Rather, applicants are evaluated by company business model and spending habits.
Users can get 100 percent credit limit. The limit is based on the amount of money that is in a customer’s 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 substantial rewards on purchases. For instance, you’ll earn four points on travel booked through Brex Travel. You can also get three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a spend management tool. The card comes with a variety of benefits, including a fixed 1.5 percent cash-back rate on all purchases. There are no annual charges, and the card does not have other requirements other than having a credit score of at least.
A business credit card with low interest is a great choice for businesses that are just starting out. A business credit card that offers added security may be an option.
Business credit cards with low interest are very convenient because you’re not juggling the hassle of managing multiple credit cards or worrying about how much money you can afford each month. This is particularly true if you are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards designed for entrepreneurs. It has many benefits, including a substantial sign up bonus, purchase protection, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any initial APR offers and the spending limit may not be appropriate for your business. In addition, it’s not exactly the most generous point-earning system.
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The Ink Business Preferred Card, on the other hand provides a range of useful features such as liability coverage as well as primary car rental coverage, shopping protection, and primary coverage for car rentals. These perks are perfect for small-scale business owners.
The Ink Business Preferred Card is another excellent way to earn points. When you spend money in certain categories, you can earn 3 points for every dollar you spend. For example, if you charge $500 in purchases to your card during the first three months, you’ll receive a welcome bonus of 100,000 points.
Divvy
The Divvy card is a great choice for entrepreneurs who are starting their business and looking for an business card. This type of card offers numerous advantages and features. You can also track your business expenses with this card.
Divvy is compatible with any accounting software that allows users to monitor their financial expenses. The software lets you create a budget, limit spending and even request money. Divvy also allows you to set the spending limit for your employees.
Divvy also offers a corporate card. These cards analyze your business finances and allow you to decide what amount of money you can 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 essential to know the interest rate for the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the highest interest rates for business loans, and they are also able to provide useful rewards. For example, a Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash. Some cards offer rewards for purchases and travel and others can be used to improve your credit score.
Aside from the best business credit cards from Chase but there are many other credit card issuers you can choose from. You should also consider how you will use the credit card. It is essential to select the correct business credit card for your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card offers solid rewards for a variety of purchase categories and even covers employees’ mobile phone costs.