For those who are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is a resounding yes however, the process of getting the business credit card could be a bit overwhelming and confusing. Here are some tips to be aware of the process of applying for the credit card.
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Brex 30
Brex offers a variety of financial products, including corporate credit cards as well as spend management and expense management software. It offers a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. The applicants don’t pay interest or need to provide an individual guarantee. Instead applicants are evaluated based on their business model and spending habits.
Users can get a 100 percent credit limit. This limit is determined by the amount of money customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn significant rewards on purchases. For example, you can earn four points on travel booked through Brex Travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and a spend management system. The card offers a slew of benefits, including a fixed 1.5 percent cash back rate on all purchases. There are no annual fees, and the card doesn’t require other requirements except for having a high credit score.
If you are a new business, the benefits of using a low-interest business credit card could be very appealing. You may also want to look into a credit card for business which offers additional security.
One of the main advantages 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 have to pay every 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 most popular business credit cards for startups. It provides a wide range of benefits, like the highest sign-up bonus, purchase protection, and travel benefits. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any promotional APR offers and the spending limit may not be appropriate for your business. It’s also not the most effective points-earning strategy.
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On the other hand, the Ink Business Preferred Card offers several other valuable features, such as liability insurance, primary car rental coverage and a shopping protection. These benefits are perfect for small-scale business owners.
The Ink Business Preferred Card is another great method to earn points. When you spend money in certain categories, you’ll earn 3 points per dollar you spend. In this instance the case of spending $500 on purchases on your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divide
Divvy is a good option for business owners who are just starting out seeking a business card. This card offers a variety of benefits and features. You can also track your business expenses with this card.
Divvy integrates with other accounting software, and allows users to easily monitor the financial expenses. You can then create a budget, set maximum limits and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards evaluate your business finances and allow you to determine how much you should spend every month. As opposed to traditional business credit card, Divvy is not a requirement for a personal guarantee.
However, Divvy does not disclose any interest rates on its website. It is crucial to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be an opportunity to secure the best rates of interest on business loans. They can also provide valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Some cards offer rewards for travel and shopping while 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 choose from. You should also consider the way you intend to use the credit card. It is essential to choose the appropriate business credit card to meet your needs.
Small-scale business owners will find the Ink Business Preferred(r) Credit Card an excellent choice. The card is a good option for earning rewards for a variety of purchase categories and even covers employees’ mobile phone expenses.