If you’re starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” Although there is a yes answer, it can be daunting and confusing to apply for an enterprise credit card. Here are a few points you should be aware of about the process of getting 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. It provides an all-in-one financial solution for startups.
The Brex Card, or Brex for Startups, is a credit card that can help startups establish credit histories. The cardholders don’t have to pay any interest or provide personal guarantees. Instead, applicants are evaluated by the business model of the company and spending habits.
The applicants can enjoy up to 100 percent credit. This limit is determined based on the amount of cash in a customer’s Brex Cash account. Every day, the Brex Card draws from the account to determine the limit of its spending.
You can earn rewards with the Brex Corporate credit card. 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 complete small business credit card and spend management tool. The card comes with a range of advantages, including a fixed 1.5 percent cashback on all purchases. The card does not have annual fees and doesn’t have any other requirements other than an excellent credit score.
A business credit card with low interest is a great choice for those who are just starting out. A business credit card that comes with additional security might be a viable option.
Business credit cards with low interest are extremely convenient since you don’t have the worry of managing multiple credit cards or worrying about how much money you’ll have to pay each month. This is particularly important if you’re trying to finance large purchases.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most well-known business credit cards for new businesses. It comes with a variety of benefits, including a substantial reward for signing up along with purchase protection, along with travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card may not be the best choice for you. There aren’t any introductory APR deals and the spend limit might not be suitable for your company. It’s also not the most effective points-earning strategy.
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The Ink Business Preferred Card, however provides a range of useful features, including liability coverage and primary car rental coverage shopping protection, as well as primary coverage for rental cars. As a small company owner, you’ll certainly benefit from these benefits.
The Ink Business Preferred Card is another great way to earn points. Spend in certain categories and earn 3 points for every dollar. In this instance the case of spending $500 on purchases to your card in the first three months, you will get a 100,000 point welcome bonus.
The Divvy card is a great choice for entrepreneurs who are starting their business and seeking business cards. This type of card offers 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 allows users to easily view financial expenses. You can then create a budget, set limits, and request money. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers corporate cards. These cards assess your company’s finances and determine how much you can spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it’s important to learn about the rates offered by the company prior to applying.
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Chase Ultimate Rewards
Business credit cards offer the chance to secure best interest rates on business loans, and can also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card gives you bonus points that can be converted into cash back. Certain cards provide rewards for travel and shopping, while others can be used to boost your credit score.
Apart from the top business credit cards offered by Chase but there are many other credit card issuers that you can turn to. You should also consider the way you intend to use the credit card. It is important to find a business credit card that will meet your specific needs.
Small-scale 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 also covers employees’ cell phone bills.