If you’re 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 a business credit card can be daunting and confusing. Here are a few things you need to know about the process of obtaining the credit card.
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Brex offers a wide variety of financial services, including corporate credit cards as well as spend management and expense management software. It provides an all-in-one financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card that helps start-ups establish their credit histories. The cardholders don’t have to pay any interest or provide personal guarantees. Instead the applicants are evaluated on their financial model and spending habits.
Credit limits as high as 100 percent are available to applicants. The limit is determined by the amount that a customer has in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With a Brex Corporate Credit Card you can earn substantial rewards on purchases. Brex Travel offers four points to book travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can also be used as a budget management tool. It comes with a myriad of benefits, including a flat 1.5% cash back rate on all purchases. The card doesn’t have annual fees and doesn’t have any other conditions other than a good credit rating.
If you are a new business, the benefits of using a business credit card that is low-interest could be very appealing. A business credit card with additional protection may be a viable option.
A low-interest business credit cards are very convenient because you don’t have the worry of managing multiple cards or worrying about the amount of you can manage each month. This is especially true if are planning to finance significant expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards for startups. It has many benefits, including a substantial initial bonus and purchase protection and travel perks. However, it also has some disadvantages.
The Ink Business Preferred Card isn’t ideal, however. There aren’t any introductory APR promotions to be found and the spending limit may be too low for your company. It’s also not the best points-earning feature.
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On the other hand the Ink Business Preferred Card offers numerous other useful features, such as liability insurance as well as primary coverage for car rental as well as a shopping security. These perks are perfect for small-scale business owners.
Furthermore that, the Ink Business Preferred Card is an excellent way to earn points. If you make purchases in certain categories, you’ll earn three points for every dollar you spend. For instance, if you charge $500 on purchases to your card in the first three months, you’ll get a welcome bonus of 100,000 points.
The Divvy is a great option for business owners in the beginning looking for an enterprise card. This card has a variety of benefits and features. It also lets you track your business expenses.
Divvy can be used with any accounting software to allow users to look at their financial expenses. You can then create budgets, set the 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. The cards analyze your company’s finances and decide how much you should spend each month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is important to find out the company’s interest rate before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to get the highest rates of interest for business loans and provide valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash or cash back. Some cards offer rewards for travel and shopping, while others can be used to build your credit score.
There are a variety of credit card issuers you could choose from, such as Chase. However, you must think about the way you intend to use a particular credit card. It is vital to find the right business credit card that meets your needs.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. The card gives you solid rewards on a variety of purchase categories as well as protects employees’ mobile phone bills.