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?” Although the answer is yes but it can be difficult and confusing to apply for an enterprise credit card. Here are some things you need to be aware of before obtaining the credit card you need.
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Brex provides a range of financial services like corporate credit cards spending management, as well as expense management software. Brex provides a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build their credit score. It doesn’t charge interest and don’t need to provide an individual guarantee. Instead, applicants are evaluated by the business model of the company and spending habits.
Customers can get up to a 100 percent credit limit. This limit is determined by the amount of money customers have in their Brex Cash account. Each day, the Brex Card draws from the account to determine its spending limit.
You can earn significant rewards when you use a Brex Corporate credit card. Brex Travel offers four points to book travel. Additionally, you can earn three points when dining out.
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Capital on Tap
Capital on Tap is a complete small business credit card as well as a spending management tool. It comes with a myriad of benefits including a flat 1.5 percent cash back rate on all purchases. There are no annual fees, and the card doesn’t require other requirements aside from an excellent credit score.
A business credit card with low interest is a great option for new businesses. It is also possible to consider a business credit card with additional protection.
A low-interest business credit cards are extremely convenient since you’re not juggling the hassle of managing multiple credit cards or worrying about the amount of 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 best business credit cards designed for start-up businesses. It has many advantages, including a large reward for signing up as well as purchase protection as well as travel perks. However, it has some drawbacks.
The Ink Business Preferred Card may not be ideal. There are no introductory APR promotions to be found, and the spending cap could be too low for your company. It’s also not the most generous points-earning feature.
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On the other side, the Ink Business Preferred Card offers a lot of other useful features, such as liability insurance as well as primary coverage for car rental, and a shopping protection. These perks are great for small-scale business owners.
Moreover it is worth noting that the Ink Business Preferred Card is a great way to earn points. When you spend money in certain categories, you can earn three points per dollar you spend. For instance, if add $500 worth of purchases to your credit card within the first three months, you’ll be eligible for a welcome bonus of 100,000 points.
Divvy is an excellent choice for startup business owners looking for an business card. This card comes with a wide range of advantages and features. It also allows you to keep track of your business expenses.
Divvy is compatible with external accounting software, allowing users to quickly view financial expenses. You can then create budgets, set the limits, and request money. Additionally, Divvy lets you to set a maximum spending limit for your employees.
Divvy also has corporate cards. These cards review your company finances and assist you to determine how much you’ll need to invest every month. Contrary to traditional business credit cards, Divvy does NOT require a personal guarantee.
However, Divvy does not disclose any interest rates on its website. It is crucial to know the interest rate of the company prior to you apply.
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Chase Ultimate Rewards
Business credit cards can be used to get the most favorable rates of interest on business loans, and also provide valuable rewards. Chase Ultimate Rewards business credit cards are a great way to earn bonus points that can be converted to cash or cash back. Some cards offer rewards for shopping and travelling while others can be used to build your business’s credit.
In addition to the top business credit cards from Chase and other credit card issuers that are available to. You must also think about what you intend to do with the credit card. It is important to select the right business credit card that meets your specific needs.
Small-sized 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 cell phone bills.