For those that are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” Although the answer is yes it can be a bit confusing and overwhelming to apply for an enterprise credit card. Here are some things you need to learn about getting credit card.
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Brex 30
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 to startups.
The Brex Card, also known as Brex for Startups is a credit card that assists start-ups build credit histories. Applicants don’t pay interest or provide a personal guarantee. Instead the applicants are evaluated based on their financial model and spending habits.
Applicants can have up to 100 percent credit. The limit is determined based on the amount of cash in the 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 significant rewards on purchases. For instance, you could earn four points on trips booked through Brex Travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card as well as a spending management solution. The card provides a range of benefits, including a standard 1.5 percent cashback on all purchases. The card is free of annual fees and doesn’t have any other requirements than a good credit rating.
For a startup business it is possible to reap the benefits of a business credit card with low interest could be very appealing. A business credit card that offers added security may be a viable option.
A business credit card with a low-interest rate are very convenient because you’re not burdened with the stress of managing multiple cards or worrying about the amount of 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 popular business credit cards designed for entrepreneurs. It comes with a range of benefits, such as a high sign-up bonus, purchase protection, as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any introductory APR promotions to be found and the spending limit may be too low for your business. It’s also not the best points-earning program.
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The Ink Business Preferred Card, however, offers many other useful features like liability insurance as well as primary car rental coverage, shopping protection, and primary car rental coverage. These benefits are perfect for small-scale business owners.
The Ink Business Preferred Card is another great way to earn points. When you spend money in certain categories, you can earn three points for every dollar you spend. In this instance the case of spending $500 on purchases on your card within the first three months, you’ll receive a 100,000 point welcome bonus.
Divide
If you’re a start-up business owner in search of a credit card for business, you may want to look into Divvy. This card has a variety of advantages and features. You can also keep track of your business expenses using this card.
Divvy integrates with other accounting software, allowing users to quickly view financial expenses. You can then create budgets, set maximum limits and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also has a corporate card. These cards evaluate your business financial situation and help you decide how much money you can spend each month. As opposed to traditional business credit card, Divvy doesn’t require personal guarantees.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s crucial to understand the company’s rate before submitting an application.
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Chase Ultimate Rewards
Business credit cards provide the opportunity to get the highest interest rates for business loans, and are also able to provide useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Some cards offer rewards for shopping and traveling, and others can be used to build your business’s credit.
There are a myriad of credit card issuers you can choose from, including Chase. You should also consider the way you intend to use the credit card. It is important that you choose the appropriate business credit card that meets your needs.
Small-scale business owners will find the Ink Business Preferred(r), Credit Card a great option. This card offers solid rewards on a variety of purchase categories and also protects employees’ mobile phone bills.