For those who are just beginning the business of their own, 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 confusing and overwhelming to apply for an enterprise credit card. Here are a few things to know about how to get an credit card.
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Brex 30
Brex provides a range of financial services including corporate credit cards along with spend management and expense management software. Brex offers a comprehensive 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 and don’t need to offer personal guarantees. Rather, applicants are evaluated by the business model of the company and spending habits.
Credit limits of up 100 percent are permitted for applicants. This limit is determined based on the amount of cash in a customer’s Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
With the Brex Corporate Credit Card you can earn significant rewards on purchases. Brex Travel offers four points when you book travel. You can also earn three points for dining.
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Capital on Tap
Capital on Tap is an all-in-one small business credit card and spending management tool. The card offers a slew of benefits including a flat 1.5 percent cash back rate on all purchases. The card does not have annual fees and doesn’t require any other qualifications other than having a credit score of at least.
A low-interest business credit card is a great option for businesses that are just starting out. A business credit line with additional security might be a good option.
One of the primary benefits of a business low-interest credit card is that you don’t have to fret about juggling several cards or worrying about how much you can afford to pay 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 best business credit cards available to start-up companies. It has many advantages, including a large sign up bonus and purchase protection along with travel perks. It has some downsides.
The Ink Business Preferred Card may not be perfect. There aren’t any introductory APR promotions available, and the spending cap may be too low for your business. Moreover, it’s not the most generous points-earning program.
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The Ink Business Preferred Card, however it comes with a variety of other beneficial features, including liability coverage primary car rental coverage shopping protection, and primary coverage for car rental. These perks are great for small business owners.
Furthermore, the Ink Business Preferred Card is a great opportunity to earn points. When you spend money in certain categories, you’ll earn three points per dollar you spend. In this instance the case of spending $500 on purchases with your card in the first three months, you’ll be awarded a 100,000 points welcome bonus.
Divvy
If you’re a business owner in search of a business credit card you might want think about Divvy. The card comes with a range of advantages and features. You can also keep track of your business expenses by using this card.
Divvy can be used with any accounting software to allow users to monitor their financial expenses. The program lets you create a budget, limit spending and even request money. You can also set the spending limit for your employees.
Divvy also offers a corporate card. These cards assess your company’s finances and determine the amount you’ll need to spend each month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. Therefore, it is important to know the rate of the company prior to applying.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the most competitive rates of interest for business loans. They also offer rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Some cards offer rewards for shopping and traveling and others can be used to boost your credit score.
There are many credit card issuers that you can select from, including Chase. You must also think about what you intend to do with the credit card. It is crucial to select the correct business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a viable option for small-sized business owners. This card is a great way to earn rewards on different categories of purchases, and it even covers cell phone bills.