For those that are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes however, the process of applying for the business credit card could be a bit overwhelming and confusing. Here are some things to learn about getting an credit card.
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Brex provides a range of financial products, including corporate credit cards, spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that can help startups establish their credit history. The applicants don’t pay interest or require an individual guarantee. Instead, applicants are evaluated on the basis of their business model and spending patterns.
Credit limits of up 100 percent are permitted for applicants. This limit is by the amount of money in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards with a Brex Corporate credit card. For instance, you can earn four points when you travel booked through Brex Travel. You can also earn three points for dining.
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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 host of benefits including a standard 1.5 percent cash back rate on all purchases. The card does not have annual fees and does not have any other requirements than a good credit rating.
A business credit card with a low-interest rate is a great choice for those who are just starting out. You may also want to look into a business credit card that offers additional protection.
A low-interest business credit card are extremely convenient since you don’t have to worry of managing multiple cards or worrying about the amount of you can manage each month. This is particularly important if you’re trying to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards for startup companies. It comes with a variety of advantages, including a large reward for signing up, purchase protection, along with travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any APR introductory promotions to be found and the spending limit could be too low for your company. It’s also not the most generous points-earning program.
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On the other side, the Ink Business Preferred Card offers a lot of other useful features, including liability coverage as well as primary coverage for car rental, and a shopping protection. These benefits are perfect for small business owners.
The Ink Business Preferred Card is another great way to earn points. If you make purchases in certain categories, you can earn three points for every dollar you spend. For example, if you add $500 worth of purchases to your card during the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
If you’re a start-up business owner in search of a credit card for business you might want consider Divvy. This card comes with a wide range of advantages and features. It also lets you track your business expenses.
Divvy integrates with other accounting software and enables users to quickly view the financial expenses. You can create budgets, set limits on spending and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards review your company finances and assist you to decide what amount of money you’ll need to spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to know the rate of the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards offer the chance to secure most favorable interest rates on business loans, and can also offer useful rewards. For example a Chase Ultimate Rewards business credit card gives you bonus points that could be converted to cash back. Certain cards provide rewards for purchases and travel while others can be used to build your credit score.
There are a variety of credit card issuers you can choose from, including Chase. However, you should think about the ways you will make use of a specific credit card. It is important to find the right business credit card that is suitable for your particular needs.
The Ink Business Preferred(r) Credit Card is a good option for small-sized business owners. The card is a good option for earning rewards for various categories of purchases and even will pay for employees’ mobile phone expenses.