For those who are starting a business, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes, it can be daunting 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 variety of financial products, including corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution for new businesses.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups build credit histories. It doesn’t charge interest or provide a personal guarantee. Rather, applicants are evaluated by the company’s business model and spending patterns.
Credit limits of up 100 percent are permissible for applicants. The limit is determined by 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 a Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points for booking travel. You can also earn three points for dining out.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can be used as a budget management tool. The card comes with a range of benefits, including a standard 1.5% cashback rate on all purchases. There are no annual charges, and the card does not have other requirements except for having a high credit score.
A low-interest business credit card is a great choice for businesses that are just starting out. A business credit card that offers additional security might be a viable option.
One of the most important features of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about the amount you can afford to pay off each month. This is especially true when you 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 that are designed for startups. It offers a range of advantages, including a high sign-up bonus, purchase protection, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR promotions and the spending limit may not be appropriate for your business. It’s also not the best points-earning program.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features like liability insurance as well as primary coverage for car rentals shopping protection, and primary coverage for rental cars. As a small-scale business owner, you’ll surely benefit from these benefits.
Additionally to that, the Ink Business Preferred Card is a great opportunity to earn points. When you spend in certain categories, you’ll earn 3 points for every dollar you spend. For instance, if you charge $500 in purchases to your credit card within the first three months, you’ll get a welcome bonus of 100,000 points.
Divide
Divvy is a good option for entrepreneurs who are starting their business and seeking an enterprise card. This type of card offers numerous benefits and features. You can also track your business expenses with this card.
Divvy works with external accounting software that allows users to easily view financial expenses. You can create budget, set limits on spending and request money. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards look at your company’s finances and determine how much you should spend each month. In contrast to traditional business credit cards, Divvy does not require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the best interest rates for business loans and offer valuable rewards. For example a Chase Ultimate Rewards business credit card gives you bonus points that could be converted to cash back. Some cards offer rewards for shopping and travel and others are able to help build your credit score.
Aside from the best business credit cards from Chase, there are other credit card issuers you can use. You should also consider the way you intend to use the credit card. It is vital to choose the appropriate business credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a viable option for small-sized business owners. The card gives you solid rewards for various categories of purchases as well as covers employees’ cell phone bills.