For those that are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” While there is a yes answer it can be a bit difficult and confusing to apply for a business credit card. Here are some things you need to know about the process of obtaining a credit card.
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Brex offers a variety of financial services like corporate credit cards spending management, as well as expense management software. Brex offers a comprehensive financial solution for startups.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them build their credit history. The applicants don’t pay interest or need to provide an individual guarantee. Instead the applicants are evaluated based on their company’s budget and business model.
Credit limits of up 100 percent are available to applicants. The limit is determined by the amount of money 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 valuable rewards on purchases. For example, you can earn four points when you travel booked through Brex 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 be used as a spend 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 require any other requirements than having a high credit score.
A business credit card with a low-interest rate is a great choice for those who are just starting out. A business credit card that comes with added security may be an option.
A low-interest business credit card are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about how much money you’ll have to pay each month. This is particularly relevant if you’re trying to finance large expenditures.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most sought-after business credit cards for startups. It offers many benefits, including a high sign up bonus and purchase protection as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card isn’t an ideal choice, but. There aren’t any APR introductory promotions to be found, and the spending limit could be too low for your business. It’s also not the most effective points-earning program.
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On the other side, the Ink Business Preferred Card offers several other valuable features, including liability coverage, primary car rental coverage and a shopping protection. If you’re a small business owner, you’ll definitely benefit from these perks.
The Ink Business Preferred Card is another excellent method to earn points. When you spend in specific categories, you can earn three points per dollar you spend. In this instance, if you spend $500 on purchases made with your card within the first three months, you’ll get a 100,000 point welcome bonus.
If you’re a start-up business owner looking for an account for business credit, you may want to think about Divvy. This kind of card comes with many benefits and features. It also allows you to monitor your business expenses.
Divvy can be integrated alongside any other accounting software that allows users to look at their financial expenses. You can then create budgets, set the limits, and request money. Additionally, Divvy permits you to set a spending limit for your employees.
Divvy also offers a corporate credit card. The cards analyze your company’s finances and decide how much you’ll have to spend every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to be aware of the company’s rates before submitting an application.
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Chase Ultimate Rewards
Business credit cards offer a way to secure the highest interest rates for business loans, and they can also provide valuable rewards. For instance a Chase Ultimate Rewards business credit card offers bonus points that could be converted to cash back. Certain cards provide rewards for travel and shopping as well as other cards that can be used to help build your business’s credit.
In addition to the top business credit cards offered by Chase and other credit card issuers that you can use. However, you must think about the manner in which you use a particular credit card. It is important to find the best business credit card that is suitable for your needs.
Small business owners will find the Ink Business Preferred(r), Credit Card a fantastic option. This card offers solid rewards on various purchase categories, and it even covers employees’ cell phone bills.