If you’re starting a business, one the most important questions they’ll need to answer is “Can I get a business credit card?” While the answer is yes it can be challenging and overwhelming to apply for a business credit card. Here are some tips to be aware of before obtaining a credit card.
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Brex offers a wide variety of financial services, including corporate credit cards, spend management, and expense management software. Brex is a complete financial solution for startups.
The Brex Card, also known as Brex for Startups is a credit card designed to help start-ups build credit histories. The cardholders don’t have to pay any interest and don’t need to offer a personal guarantee. Instead, applicants are assessed by the company’s business model and spending habits.
Credit limits of up to 100 percent are permissible for applicants. The limit is determined by the amount of money a customer has in their 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. For instance, you could earn four points on trips booked through Brex Travel. You can also earn three points when dining out.
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Capital on Tap
Capital on Tap is a all-in-one small business credit card and spending management solution. It comes with a myriad of benefits, including a fixed 1.5 percent cash back rate on all purchases. The card doesn’t have annual fees and doesn’t require any other requirements than having a credit score of at least.
For a startup business benefiting from the low-interest business credit cards could be very appealing. A business credit card with additional protection may be a possibility.
One of the main benefits of a business low-interest credit card is that you don’t need to fret about juggling several 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 best business credit cards designed for start-up companies. It provides a wide range of advantages, including the highest sign-up bonus, purchase protection, and travel benefits. However, it does have a few drawbacks.
The Ink Business Preferred Card may not be perfect. There aren’t any initial APR offers 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 hand however, the Ink Business Preferred Card offers several other valuable features, such as liability insurance as well as primary coverage for car rental and a shopping insurance. If you’re a small company owner, you’ll certainly get these benefits.
The Ink Business Preferred Card is another great way to earn points. If you make purchases in certain categories, you’ll earn 3 points for every dollar you spend. For instance, if you add $500 worth of purchases to your card during the first three months, you’ll receive a welcome bonus of 100,000 points.
The Divvy card is a great choice for business owners in the beginning seeking a business card. This card has a variety of advantages and features. It also lets you track your business expenses.
Divvy integrates with other accounting software, allowing users to quickly view financial expenses. You can then create budgets, set limits, and request funds. Additionally, Divvy allows you to set a maximum spending limit for your employees.
Divvy also offers corporate cards. These cards review your company’ finances and help you decide what amount of money you should spend each month. Divvy doesn’t require personal guarantees, unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. Therefore, it’s essential to learn about the rates offered by the company before applying.
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Chase Ultimate Rewards
Business credit cards offer the opportunity to get the highest interest rates for business loans. They can also offer useful rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted to cash or cash back. Some cards offer rewards for purchases and travel as well as others that can be used to improve your credit score.
Apart from the top business credit cards offered by Chase, there are other credit card issuers that you can use. You should also think about how you will use the credit card. It is crucial to choose the appropriate business credit card to meet your requirements.
Small business owners will find the Ink Business Preferred(r) Credit Card a great option. This card is a great way to earn rewards on various purchase categories and even will pay for employees’ cell phone bills.