If you are thinking of starting your own business, the first important question is “Can I get my business credit card?” The answer is a resounding yes however the process of obtaining an enterprise credit card can be confusing and overwhelming. Here are some tips to know about how to get an credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, or Brex for Startups, is a credit card that can help startups establish credit histories. Applicants don’t pay interest or offer personal guarantees. Instead, applicants are evaluated on their company’s financial model and spending habits.
Credit limits of up 100 percent are available to applicants. The limit is by the amount of money in a 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 rewards on purchases. Brex Travel offers four points when you book travel. Additionally, you can earn three points on dining.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and a spend management tool. The card offers a variety 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 an excellent credit score.
A business credit card with a low-interest rate is a great option for startups. It is also possible to look into a credit card for business that provides additional security.
One of the most important advantages of a low-interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll have to pay off each month. This is particularly true if you’re looking to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards for startup businesses. It offers many benefits, including a substantial sign-up bonus, purchase protection, as well as travel benefits. It has some downsides.
The Ink Business Preferred Card may not be the perfect choice for your business. There aren’t any initial APR promotions and the spending limit may not be appropriate for your company. In addition, it’s not exactly the most generous point-earning system.
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On the other hand however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage, primary car rental coverage, and a shopping protection. These benefits are ideal for small business owners.
Moreover that, the Ink Business Preferred Card is a great opportunity to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For instance, if charge $500 in purchases to your card during the first three months, you’ll get the welcome bonus of 100,000 points.
Divide
The Divvy card is a great choice for business owners in the beginning seeking a business card. This type of credit card provides a range of benefits and features. It also lets you track your business expenses.
Divvy is compatible alongside any other accounting software that allows users to monitor their financial expenses. The software lets you create a budget, limit spending and request money. Additionally, Divvy lets you set a spending limit for your employees.
Divvy also offers corporate cards. These cards evaluate your business financial situation and help you decide how much 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 understand the company’s rate before submitting an application.
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Chase Ultimate Rewards
Business credit cards are the chance to secure best interest rates on business loans, and can also offer useful rewards. For example, a Chase Ultimate Rewards business credit card provides bonus points which can translate to cash back. Certain cards provide rewards for travel and shopping, and others can be used to improve your company’s credit score.
There are many credit card issuers to choose from, including Chase. But, you must consider the ways you will utilize a specific credit card. It is vital to choose the appropriate business credit card to meet your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card provides solid rewards for various categories of purchases as well as will pay for employees’ cell phone bills.