If you are thinking of creating your own business, the first important thing to consider is “Can I get my business credit card?” While the answer is yes but it can be daunting and confusing to apply for a business credit card. Here are a few things you need to know about the process of getting an credit card.
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Brex provides a range of financial products, including corporate credit cards along with spend management and expense management software. Brex provides a complete financial solution to startups.
The Brex Card, or Brex for Startups, is an credit card that assists startups establish credit histories. The applicants don’t have to pay interest and don’t have to provide personal guarantees. Instead, applicants are assessed on the basis of their business model and spending patterns.
Credit limits of up 100 percent are available to applicants. This limit is by the amount of cash in the customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn significant rewards using a Brex Corporate credit card. For instance, you’ll earn four points on trips booked through Brex Travel. Additionally, you can earn three points on dining.
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Capital on Tap
Capital on Tap is a complete small business credit card and spending management tool. It comes with a myriad of benefits including a flat 1.5 percent cash-back rate on all purchases. There are no annual charges, and the card doesn’t have any other requirements aside from an excellent credit score.
For a business that is just beginning one of the advantages of using the low-interest business credit cards could be very appealing. A business credit card with added security may be a possibility.
One of the main advantages of a low-interest business credit card is that you don’t need to worry about managing multiple cards or worrying about the amount you can afford to pay every 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 most popular business credit cards that are designed for startups. It comes with a range of benefits, like an excellent sign-up bonus purchase protection, as well as travel perks. However, it does have some drawbacks.
The Ink Business Preferred Card may not be ideal. There aren’t any APR introductory promotions available, and the spending limit could be too low for your business. It’s not the most efficient points-earning program.
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On the other hand however, the Ink Business Preferred Card offers numerous other useful features, including liability coverage, primary car rental coverage and a shopping protection. These perks are great for small business owners.
The Ink Business Preferred Card is another great method to earn points. Spend in specific categories and you’ll earn three points per dollar. For instance, if you charge $500 in purchases to your card in the first three months, you’ll get the welcome bonus of 100,000 points.
The Divvy card is a great choice for business owners in the beginning seeking business cards. This card has a variety of advantages and features. It also allows you to keep track of your business expenses.
Divvy can be integrated with any accounting software that allows users to view their financial expenses. You can then create budgets, set maximum limits and request money. Additionally, Divvy permits you to set a maximum spending limit for your employees.
Divvy also offers a corporate credit card for companies. These cards evaluate your business’ finances and help you determine how much you’ll need to spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to learn about the rates offered by the company before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the best rates of interest for business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted into cash or cash back. Some cards offer rewards for shopping and travel and some can be used to help to build credit for your business.
In addition to the top business credit cards from Chase and other credit card issuers are available to. However, you should think about the manner in which you use a particular 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 a fantastic option. This card gives you solid rewards for various categories of purchases and even protects employees’ mobile phone expenses.