If you’re thinking about starting your own business, the first important question is “Can I get my business credit card?” The answer is a resounding yes, but the process of getting a business credit card can be confusing and overwhelming. Here are some things you need to learn about getting the credit card you need.
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Brex 30
Brex offers a variety of financial services like corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card designed to help start-ups build their credit history. The applicants don’t have to pay interest and don’t have to offer personal guarantees. Instead, applicants are assessed on the basis of their business model and spending habits.
Credit limits up to 100 percent are available to applicants. The limit is determined by the amount of money the customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewards when you use a Brex Corporate credit card. Brex Travel offers four points when you book travel. Additionally, you can earn 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 spend management tool. It offers a wide range of advantages, including a fixed 1.5 percent cashback on all purchases. There are no annual fees, and the card does not have other requirements except for having a credit score of at least.
For a startup business, the benefits of using the low-interest business credit cards could be very appealing. You might also look into a credit card for business that offers additional protection.
One of the most important advantages of a low interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you can afford to pay every month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the best business credit cards available to start-up companies. It provides a wide range of advantages, including an impressive sign-up bonus, purchase protection, and travel perks. It has some downsides.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR promos and the spending limit might not be suitable for your company. It’s also not the most effective point-earning option.
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The Ink Business Preferred Card, on the other hand provides a range of useful features like liability insurance primary car rental coverage, shopping protection, and primary coverage for rental cars. These benefits are perfect for small-scale business owners.
Moreover to that, the Ink Business Preferred Card is an excellent opportunity to earn points. When you spend in specific categories, you’ll earn three points per dollar you spend. For example the case of spending $500 on purchases with your card in the first three months, you’ll receive a 100,000-point welcome bonus.
Divide
If you’re a new business owner looking for an enterprise credit card, you may want to look into Divvy. The card comes with a range of benefits and features. It also allows you to track your business expenses.
Divvy is compatible with any external accounting software that allows users to see their financial expenses. The program lets you create a budget, restrict spending, and request funds. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards analyze your business financial situation and help you determine how much you’ll need to invest every month. Contrary to traditional business credit cards, Divvy is not a requirement for a personal guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s important to learn about the rates offered by the company before you apply.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure most favorable interest rates on business loans, and can also offer useful rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash or cash back. Certain cards provide rewards for shopping and traveling while others can be used to improve your company’s credit score.
In addition to the top business credit cards offered by Chase, there are other credit card issuers you can use. You should also consider how you will use the credit card. It is vital to locate the best business credit card that meets your requirements.
Small-sized businesses 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 covers mobile phone bills.