For those that 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?” The answer is yes but the process of getting an enterprise credit card can be daunting and confusing. Here are a few points you should be aware of about the process of getting credit card.
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Brex 30
Brex offers a variety of financial services like corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that helps startups build their credit history. The cardholders don’t have to pay any interest and don’t have to provide an individual guarantee. Instead, applicants are assessed by company business model and spending patterns.
Credit limits up to 100 percent are permissible for applicants. This limit is determined by the amount customers have in their Brex Cash account. Each day, the Brex Card draws from the account to determine its limit for spending.
With a Brex Corporate Credit Card, you can earn valuable rewards on purchases. Brex Travel offers four points when you book travel. You can also get three points for dining.
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Capital on Tap
Capital on Tap is a small-sized business credit card that can also be used as a budget management tool. The card comes with a range of benefits, including a simple 1.5 percent cashback rate on all purchases. There are no annual fees, and the card doesn’t have any other requirements other than having a high credit score.
A low-interest business credit line is a great choice for those who are just starting out. A business credit card that offers 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 have to pay each month. This is particularly true if you’re looking to finance large expenditures.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the top business credit cards designed for start-up companies. It comes with a range of advantages, including an impressive sign-up bonus, purchase protection, as well as travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card may not be the perfect choice for your business. There are no introductory APR promotions to be found and the spending limit could be too low for your company. It’s not the most efficient points-earning strategy.
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On the other side, the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance and a shopping insurance. These benefits are ideal for small-scale business owners.
Additionally 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 example, if you charge $500 on purchases to your credit card within the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
Divvy
The Divvy card is a great choice for entrepreneurs who are starting their business and looking for business cards. This card offers a variety of benefits and features. It also lets you keep track of your business expenses.
Divvy works with external accounting software, and allows users to easily view financial expenses. You can create a budget, set maximum limits and request money. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards analyze your business finances and allow you to decide what amount of money you’ll need to invest every month. Unlike traditional business credit cards, Divvy does NOT require personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to know the rate of the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest on business loans, and also provide valuable rewards. For instance one card, the Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash back. Certain cards provide rewards for travel and shopping, and others can be used to build your business’s credit.
There are many credit card issuers you could select from, including Chase. You must also think about how you will use the credit card. It is important that you select the correct corporate credit card for your requirements.
Small-sized businesses will find the Ink Business Preferred(r), Credit Card a great option. The card provides solid rewards for various purchase categories and even protects employees’ mobile phone bills.