For those who are starting the business of their own, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes however, the process of getting the business credit card could be daunting and confusing. Here are a few things you need to know about the process of obtaining an credit card.
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Brex 30
Brex provides a range of financial services like corporate credit cards, spend management and expense management software. It provides an all-in-one financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit history. Applicants don’t pay interest and don’t need to offer personal guarantees. Instead applicants are evaluated based on their company’s business model and spending habits.
Credit limits of up to 100 percent are permissible for applicants. The limit is based on the amount of money that is in a customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
You can earn rewards using the Brex Corporate credit card. For instance, you can earn four points on trips booked through Brex Travel. You can also receive three points for dining.
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Capital on Tap
Capital on Tap is a small business credit card that can be used as an expense management tool. The card offers a slew of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card has no annual charges and doesn’t need any other qualifications other than having a credit score of at least.
A low-interest business credit line is a great option for those who are just starting out. A business credit line with added security may be an option.
One of the most important advantages of a low interest business credit card is that you don’t have to worry about managing multiple cards or worrying about how much you’ll be able to pay each month. This is particularly true if you are planning to finance significant expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred card is one of the top business credit cards designed for start-up businesses. It has many benefits, including a high initial bonus as well as purchase protection as well as travel perks. However, it does have some disadvantages.
The Ink Business Preferred Card isn’t an ideal choice, but. There are no introductory APR promotions available, and the spending cap could be too low for your company. It’s not the most efficient points-earning strategy.
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On the other side it is worth noting that the Ink Business Preferred Card offers numerous other useful features, such as liability insurance and primary car rental coverage and a shopping protection. These perks are great for small-scale business owners.
The Ink Business Preferred Card is another great way to earn points. Spend in specific categories and you’ll earn three points per dollar. In this case when you spend $500 on purchases on your card in the first three months, you’ll get a 100,000 point welcome bonus.
Divide
The Divvy card is a great choice for business owners who are just starting out seeking an business card. This type of card offers numerous benefits and features. It also lets you track your business expenses.
Divvy can be integrated alongside any other accounting software that allows users to monitor their financial expenses. The program lets you make a budget, limit spending and request money. You can also set the spending limit for your employees.
Divvy also has a corporate card. These cards assess your business finances and assist you to decide on how much you can spend every month. As opposed to traditional business credit card, Divvy does NOT require an individual guarantee.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s crucial to understand the company’s rate before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be the opportunity to get the best interest rates on business loans, and they can also offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Certain cards provide rewards for shopping and traveling as well as others that can be used to build your credit score.
Aside from the best business credit cards from Chase and other credit card issuers that you can choose from. But, you must consider the way you intend to utilize a specific credit card. It is important to find the best business credit card that suits your specific needs.
The Ink Business Preferred(r) Credit Card is a great option for a small business owner. This card is a great way to earn rewards on various purchase categories, and it even covers employees’ cell phone bills.