For those who are starting a business, one of the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes, but the process of getting an official business credit card can be overwhelming and confusing. Here are some things you should know about the process of applying for a credit card.
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Brex offers a variety of financial services including corporate credit cards spending management, as well as expense management software. Brex offers a complete financial solution for entrepreneurs.
The Brex Card, also referred to as Brex for Startups is a credit card for start-ups that helps them establish their credit histories. It doesn’t charge interest or need to provide a personal guarantee. Instead the applicants are evaluated on their company’s business model and their spending habits.
Users can get a 100 percent credit limit. This limit is by the amount of cash in the customer’s Brex Cash account. Each day the Brex Card draws from the account to determine its spending limit.
You can earn rewards when you use the Brex Corporate credit card. Brex Travel offers four points to book travel. Additionally, you can 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 offers a wide range of benefits, including a simple 1.5% cashback rate on all purchases. There are no annual fees, and the card doesn’t require other requirements aside from an excellent credit score.
If you are a new business it is possible to reap the benefits of a business credit card that is low-interest can be extremely appealing. A business credit card that offers added security may be a possibility.
Business credit cards with low interest are very convenient because 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 true if you’re looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most popular business credit cards for startups. It offers many benefits, including a substantial sign-up bonus and purchase protection as well as travel benefits. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promos and the spending limit might not be suitable for your business. Furthermore, it’s not the most generous points-earning option.
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On the other hand the Ink Business Preferred Card offers many other beneficial features, such as liability insurance in addition to primary car rental insurance, and a shopping protection. As a small business owner, you’ll surely get these benefits.
Additionally to that, the Ink Business Preferred Card is an excellent way to earn points. When you spend in specific categories, you’ll earn three points per dollar you spend. For instance, if you charge $500 in purchases to your card in the first three months, you’ll be eligible for the welcome bonus of 100,000 points.
Divvy is a good option for business owners in the beginning looking for an business card. This type of card comes with a range of advantages and features. It also lets you keep track of your business expenses.
Divvy is compatible with any external accounting software that allows users to see their financial expenses. You can create budgets, set the limits on spending and request money. Additionally, Divvy allows you to set a spending limit for your employees.
Divvy also offers a corporate credit card for businesses. These cards look at your company’s finances and determine how much you’ll have to spend each month. As opposed to traditional business credit card, Divvy is not a requirement for personal guarantees.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it is important to understand the company’s rate before submitting an application.
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Chase Ultimate Rewards
Business credit cards can be the chance to secure highest interest rates for business loans. They are also able to provide useful rewards. Chase Ultimate Rewards business credit cards offer bonus points that can be converted to cash back. Some cards offer rewards for purchases and travel, while others can be used to build your credit score.
There are many credit card issuers that you can choose from, including Chase. But, you must consider the manner in which you make use of a specific credit card. It is important to find an enterprise credit card that is suitable for your particular needs.
Small-sized businesses will find the Ink Business Preferred(r) Credit Card an excellent option. This card offers solid rewards for various purchase categories and even protects employees’ mobile phone bills.