For those that are starting an enterprise, one of the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes it can be difficult and confusing to apply for a business credit card. Here are a few things you should know about the process of getting a credit card.
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Brex offers a variety of financial services including corporate credit cards along with spend management and expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, or Brex for Startups, is an account that helps startups establish credit histories. The applicants don’t pay interest or have to provide a personal guarantee. Instead the applicants are evaluated on their budget and business model.
Customers can get up to a 100 percent credit limit. The limit is determined based on the amount of money that is in the 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 for booking 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 an expense management tool. The card comes with a host of benefits, including a fixed 1.5% cash back rate on all purchases. There are no annual charges, and the card doesn’t have any other requirements aside from having a high credit score.
A business credit card with low interest is a great option for startups. A business credit line with additional security could be an option.
A business credit card with a low-interest rate are extremely convenient since you don’t have to worry of managing multiple cards or worrying about how much money you can afford each month. This is particularly true if you’re looking to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards that are designed for startups. It comes with a variety of advantages, such as a huge sign-up bonus along with purchase protection, and travel perks. 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 might not be suitable for your business. Moreover, it’s not the most generous points-earning option.
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On the other hand it is worth noting that the Ink Business Preferred Card offers numerous other useful features, including liability coverage in addition to primary car rental insurance as well as a shopping security. If you’re a small-sized business owner, you’ll surely benefit from these benefits.
The Ink Business Preferred Card is another great way to earn points. Spend in specific categories and you’ll earn 3 points for every dollar. For example, if you add $500 worth of purchases to your credit card within the first three months, you’ll get an initial bonus of 100,000 points.
The Divvy is a great option for business owners in the beginning looking for a business card. This type of card comes with a range of advantages and features. You can also keep track of your business expenses using this card.
The Divvy app can be used with any external accounting software that allows users to see their financial expenses. The program lets you set a budget, limit spending and even request money. It also lets you set a spending limit for your employees.
Divvy also has corporate cards. These cards evaluate your business finances and allow you to determine how much you should spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is essential to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to secure most competitive interest rates for business loans. They also offer rewards. For example a Chase Ultimate Rewards business credit card can earn bonus points that could be converted to cash back. Certain cards provide rewards for shopping and traveling and some can be used to help to build credit for your business.
Apart from the top business credit cards from Chase but there are many other credit card issuers that you can choose from. It is important to consider the way you intend to use the credit card. It is essential to locate an enterprise credit card that suits your specific requirements.
Small business owners will find the Ink Business Preferred(r) Credit Card an excellent option. This card provides solid rewards on different categories of purchases and even covers employees’ cell phone bills.