For those who are starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes however the process of applying for a business credit card can be confusing and overwhelming. Here are some things you should know about the process of obtaining credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit history. Applicants don’t pay interest and don’t need to offer personal guarantees. Instead the applicants are evaluated based on their business model and spending habits.
Applicants can have up to 100 percent credit limit. This limit is determined by the amount of money customers have in their Brex Cash account. Every day the Brex Card draws from the account to determine the limit of its spending.
You can earn valuable rewards with a Brex Corporate credit card. Brex Travel offers four points for booking travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management tool. It offers a wide range of benefits, including a simple 1.5 percent cashback on all purchases. There are no annual fees, and the card doesn’t have any other requirements except for a good credit score.
A low-interest business credit line is a great choice for businesses that are just starting out. You might also consider a business credit card with additional protection.
A business credit card with a low-interest rate are extremely convenient since you’re not juggling the hassle of managing multiple credit cards or worrying about the amount of money you can afford each month. This is particularly true if you’re looking to finance large purchases.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards for new businesses. It offers a variety of benefits, like an excellent sign-up bonus purchase security, and travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t the perfect card, but it isn’t insignificant. There aren’t any APR introductory promotions to be found, and the spending cap could be too low for your business. Moreover, it’s not the most generous points-earning feature.
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The Ink Business Preferred Card, on the other hand it comes with a variety of other beneficial features like liability insurance and primary coverage for car rentals, shopping protection, and primary coverage for car rental. As a small-scale business owner, you’ll definitely get these benefits.
The Ink Business Preferred Card is another great method to earn points. When you spend in certain categories, you’ll earn 3 points per dollar you spend. For instance, if you charge $500 on purchases to your credit card within the first three months, you’ll receive a welcome bonus of 100,000 points.
Divvy
If you’re a startup business owner in search of an enterprise credit card you might want look into Divvy. This type of credit card provides many benefits and features. You can also keep track of your business expenses using this card.
Divvy can be integrated with any external accounting software to allow users to view their financial expenses. The software lets you create a budget, limit spending, and request funds. It also lets you set a spending limit for your employees.
Divvy also offers a corporate credit card for corporate customers. These cards evaluate your business’ finances and help you determine how much 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. It is essential to know the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards can be the opportunity to get the most favorable interest rates on business loans. They can also offer valuable rewards. For instance a Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash back. Certain cards provide rewards for shopping and traveling, and others can be used to help to build credit for your business.
Aside from the best business credit cards from Chase but there are many other credit card issuers you can choose from. However, you should think about the manner in which you utilize a specific credit card. It is important to find the best business credit card that meets your specific requirements.
Small business owners will find the Ink Business Preferred(r) Credit Card an excellent option. This card gives you solid rewards for various categories of purchases and even will pay for employees’ mobile phone bills.