For those who are just beginning a business, one the most important questions they’ll need 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 a business credit card. Here are a few things to be aware of before 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. Brex is a complete 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. Applicants don’t pay interest or provide personal guarantees. Instead the applicants are evaluated based on their company’s business model and their spending habits.
Credit limits of up to 100 percent are available to applicants. The limit is determined by the amount customers have in their Brex Cash account. The Brex Card draws daily from the account to determine its spending limits.
You can earn rewarding 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 spending management tool. The card comes with a host of benefits, including a fixed 1.5 percent cash-back rate on all purchases. The card doesn’t have annual fees and doesn’t have any other requirements other than having a credit score of at least.
For a startup business, the benefits of using a business credit card that is low-interest are a great deal. You may also want to think about a business credit card that offers additional protection.
One of the most important advantages of a low interest business credit card is that you don’t need to worry about juggling multiple cards or worrying about how much you can afford to pay each month. This is especially 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 for startup businesses. It provides many advantages, including a large sign up bonus along with purchase protection, and travel perks. However, it also has some drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any introductory APR promotions and the spending limit might not be suitable for your business. 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 several other valuable features, such as liability insurance, primary car rental coverage, and a shopping protection. If you’re a small company owner, you’ll certainly get these benefits.
The Ink Business Preferred Card is another excellent way to earn points. When you spend in certain categories, you’ll earn 3 points per dollar you spend. For instance, if make a purchase of $500 to your credit card within the first three months, you’ll be eligible for an initial bonus of 100,000 points.
Divide
The Divvy card is a great choice for entrepreneurs who are starting their business and seeking business cards. This card offers a variety of advantages and features. You can also track your business expenses with this card.
Divvy integrates with other accounting software, allowing users to easily monitor financial expenses. You can create a budget, set limits, and request funds. Additionally, Divvy lets you set the spending limit for your employees.
Divvy also offers a corporate card. These cards evaluate your business’s finances and decide how much you’ll have 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 before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the most favorable rates of interest on business loans. They also offer rewards. For instance the Chase Ultimate Rewards business credit card can earn bonus points that can be converted into cash. Some cards offer rewards for purchases and travel while others can be used to boost your credit score.
In addition to the top business credit cards offered by Chase but there are many other credit card issuers you can choose from. You should also think about the method of use for the credit card. It is crucial to choose the appropriate corporate credit card for your requirements.
The Ink Business Preferred(r) Credit Card is a great option for small-sized business owners. This card gives you solid rewards across a variety of categories and even covers employees’ mobile phone expenses.