For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While there is a yes answer, it can be daunting and confusing to apply for a business credit card. Here are some things to be aware of when applying for an credit card.
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Brex provides a range of financial services , including corporate credit cards as well as spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is an credit card that assists entrepreneurs build credit histories. Applicants don’t pay interest or have to provide an individual guarantee. Instead, applicants are evaluated on the basis of their business model and spending habits.
Customers can get up to a 100 percent credit limit. This limit is determined by the amount of money that a customer has in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
With the Brex Corporate Credit Card You can earn rewards on purchases. Brex Travel offers four points for booking travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as an expense management tool. The card comes with a range of benefits, including a standard 1.5% cashback rate on all purchases. There are no annual fees and the card doesn’t require other requirements except for an excellent credit score.
A business credit card with a low-interest rate is a great choice for businesses that are just starting out. A business credit line with added security may be a possibility.
Business credit cards with low interest are very convenient because you don’t have the worry of managing multiple cards or worrying about the amount of money you’ll be able to afford each month. This is especially important if you’re trying to finance major expenditures.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards for new businesses. It comes with a variety of advantages, including a large sign up bonus as well as purchase protection along with travel perks. However, it also has a few drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any introductory APR offers and the spending limit might not be suitable for your business. It’s not the most efficient points-earning program.
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On the other side it is worth noting that the Ink Business Preferred Card offers numerous other useful features, including liability coverage as well as primary coverage for car rental as well as a shopping security. As a small-scale business owner, you’ll definitely enjoy these benefits.
Additionally that, the Ink Business Preferred Card is a great opportunity to earn points. Spend in certain categories , and you’ll earn three points per dollar. In this case when you spend $500 on purchases with your card in the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy is a good option for entrepreneurs who are starting their business and looking for business cards. This card comes with a wide range of benefits and features. It also allows you to monitor your business expenses.
Divvy integrates with other accounting software and enables users to easily view the financial expenses. The program lets you create a budget, restrict spending and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. The cards analyze your company’s finances and determine how much you’ll have 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’s essential to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards are the chance to secure best rates of interest on business loans, and can also offer useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash back. Certain cards provide rewards for travel and shopping and some can be used to help build your business’s credit.
Apart from the top business credit cards from Chase, there are other credit card issuers that you can turn to. You must also think about the way you intend to use the credit card. It is important to find the best business credit card that is suitable for your specific needs.
Small-sized business owners will find the Ink Business Preferred(r) Credit Card an excellent option. This card gives you solid rewards for a variety of purchase categories and even covers employees’ mobile phone costs.