For those who are just beginning a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is a resounding yes but the process of applying for an enterprise credit card can be daunting and confusing. Here are a few things you should know about the process of obtaining the credit card.
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Brex 30
Brex offers a wide range of financial services, including corporate credit cards as well as spend management and expense management software. Brex is a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build credit histories. The applicants don’t have to pay interest or need to provide a personal guarantee. Instead, applicants are evaluated on the basis of their business model and spending habits.
The applicants can enjoy up to 100 percent credit limit. The limit is determined by the amount of money the customer has 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 the 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 a small-sized business credit card that can also be used as a spend management tool. The card comes with a variety of benefits including a flat 1.5 percent cash back rate on all purchases. The card has no annual fees and doesn’t have any other requirements other than a good credit rating.
For a business that is just beginning it is possible to reap the benefits of the low-interest business credit cards could be very appealing. A business credit card with additional security might be a viable option.
One of the primary benefits of a business low-interest credit card is that you don’t have to worry about juggling multiple cards or worrying about how much you’ll be able to pay every month. This is especially true if are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred card is one of the best business credit cards designed for start-up businesses. It offers many benefits, including a high reward for signing up along with purchase protection, as well as travel perks. However, it does have a few drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any promotional APR promotions available, and the spending limit may be too low for your business. It’s also not the best points-earning strategy.
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On the other side it is worth noting that the Ink Business Preferred Card offers several other valuable features, such as liability insurance, primary car rental coverage as well as a shopping security. These benefits are ideal for small-scale business owners.
Furthermore it is worth noting that the Ink Business Preferred Card is an excellent way to earn points. When you spend in specific categories, you can earn three points per dollar you spend. In this example the case of spending $500 on purchases made with your card within the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy
Divvy is a good option for entrepreneurs who are starting their business and seeking an enterprise card. The card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy works with external accounting software and enables users to view their financial expenses. You can create budgets, set limits, and request funds. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate card. These cards assess your company’s finances and determine the amount you’ll have to spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s essential to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards are the chance to secure best rates of interest on business loans, and they can also offer useful rewards. Chase Ultimate Rewards business credit cards provide bonus points that can be converted into cash or cash back. Certain cards provide rewards for shopping and traveling, while others can be used to build your credit score.
Aside from the best business credit cards offered by Chase There are other credit card issuers you can choose from. However, you should think about the ways you will make use of a specific credit card. It is essential to find the right business credit card for your needs.
Small-sized business owners will find the Ink Business Preferred(r), Credit Card an excellent choice. This card provides solid rewards on a variety of purchase categories and even will pay for employees’ cell phone bills.