If you’re thinking of creating a business, the most important question is “Can I get my business credit card?” The answer is yes, but the process of obtaining a business credit card can be confusing and overwhelming. Here are some things you need to be aware of when applying for an credit card.
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Brex offers a variety of financial services including corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups, is a credit card that can help startups build their credit history. The cardholders don’t have to pay any interest and don’t need to provide an individual guarantee. Instead the applicants are evaluated based on their company’s budget and business model.
The applicants can enjoy up to a 100 percent credit limit. The limit is determined by the amount of cash 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 substantial rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. Additionally, you can earn three points for dining.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spending management tool. The card offers a variety of benefits, including a flat 1.5 percent cashback rate on all purchases. The card doesn’t have annual fees and doesn’t have any other qualifications other than a good credit rating.
For a business that is just beginning, the benefits of using a low-interest business credit card are a great deal. It is also possible to look into a business credit card with additional protection.
A low-interest business credit cards are very convenient because you’re not juggling the hassle of managing multiple 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 offers a range of benefits, like the highest sign-up bonus, purchase protection, as well as travel perks. However, it has several drawbacks.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any initial APR offers and the spending limit may not be appropriate for your business. It’s also not the best points-earning program.
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On the other hand however, the Ink Business Preferred Card offers several other valuable features, including liability coverage in addition to primary car rental insurance and a shopping insurance. As a small business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another great method to earn points. When you spend in specific categories, you can earn three points per dollar you spend. In this case the case of spending $500 on purchases made with your card in the first three months, you’ll be awarded a 100,000 points welcome bonus.
If you’re a start-up business owner looking for an enterprise credit card you might want look into Divvy. This kind of card comes with many advantages and features. It also allows you to monitor your business expenses.
Divvy works with external accounting software that allows users to easily view the financial expenses. You can create budgets, set limits on spending and request money. It also lets you set a spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business financial situation and help you decide what amount of money you should spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to know the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards offer an opportunity to secure the highest interest rates for business loans, and they can also offer useful rewards. For instance, a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Certain cards provide rewards for shopping and travelling, and others can be used to to build credit for your business.
There are a myriad of credit card issuers to choose from, such as Chase. However, you should consider the manner in which you make use of a specific credit card. It is essential to locate the best business credit card that suits your specific requirements.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card a fantastic option. This card provides solid rewards on various purchase categories, and it even covers employees’ cell phone bills.