If you are thinking of creating your own business, the most important question to ask is “Can I get my business credit card?” The answer is yes however the process of applying for an official business credit card can be daunting and confusing. Here are some tips to be aware of the process of obtaining credit card.
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Brex 30
Brex provides a range of financial services , including corporate credit cards, 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 assists start-ups build their credit history. The cardholders don’t have to pay any interest and don’t have to offer an individual guarantee. Instead, applicants are evaluated by the business model of the company and spending habits.
Applicants can have up to 100 percent credit limit. The limit is based on the amount of money in the customer’s Brex Cash account. Every day the Brex Card draws from the account to determine its limit for spending.
You can earn valuable rewards with the Brex Corporate credit card. For example, you can earn four points on trips booked through Brex Travel. You can also 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 a spend management solution. The card comes with a range of benefits, including a simple 1.5% cashback rate on all purchases. There are no annual charges, and the card doesn’t have other requirements except for a good credit score.
For a business that is just beginning benefiting from a low-interest business credit card can be extremely appealing. A business credit card with additional security could be a possibility.
One of the primary advantages of a low-interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll be able to pay off each month. This is especially true if you are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards for startups. It offers a variety of advantages, including an excellent sign-up bonus purchase protection, and travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR promotions to be found, and the spending cap could be too low for your company. Furthermore, it’s not the most generous points-earning option.
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On the other side, the Ink Business Preferred Card offers numerous other useful features, such as liability insurance and primary car rental coverage, and a shopping protection. These perks are great for small business owners.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in specific categories, you’ll earn three points per dollar you spend. For instance, if you make a purchase of $500 to your card in the first three months, then you’ll be rewarded with the welcome bonus of 100,000 points.
Divide
Divvy is a good option for business owners who are just starting out looking for an enterprise card. This card comes with a wide range of benefits and features. You can also keep track of your business expenses using this card.
Divvy integrates with other accounting software, allowing users to view their financial expenses. The software allows you to create a budget, restrict spending and even request money. Additionally, Divvy lets you to set a 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 how much money you can spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to know the rate of the company before applying.
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Chase Ultimate Rewards
Business credit cards can be used to get the best rates of interest on business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash back. Some cards offer rewards for shopping and travelling as well as other cards that can be used to build your business’s credit.
There are numerous credit card issuers you could choose from, including Chase. You should also consider the way you intend to use the credit card. It is essential to find the right business credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. This card provides solid rewards on different categories of purchases as well as will pay for employees’ cell phone bills.