For those who are starting the business of their own, one of the most important questions they’ll need to answer is “Can I get a business credit card?” The answer is yes however the process of obtaining the business credit card could be daunting and confusing. Here are some things to know about how to get credit card.
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Brex offers a variety of financial services including corporate credit cards, spend management and expense management software. Brex offers a complete financial solution for new businesses.
The Brex Card, also known as Brex for Startups is a credit card for start-ups that helps them build credit histories. Applicants don’t pay interest or need to provide personal guarantees. Instead, applicants are evaluated by company business model and spending patterns.
The applicants can enjoy up to 100 percent credit limit. The limit is determined by the amount of money customers have 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 substantial rewards on purchases. For instance, you’ll 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 one-stop small business credit card as well as a spending management tool. It offers a wide range of benefits, including a standard 1.5% cashback rate on all purchases. There are no annual charges, and the card doesn’t have other requirements except for having a high credit score.
A low-interest business credit card is a great choice for those who are just starting out. A business credit card that comes with added security may be a good option.
A low-interest business credit cards are extremely convenient since you’re not burdened with the stress of managing multiple credit cards or worrying about the amount of money you’ll have to pay each month. This is especially true when you are looking to finance large expenses.
Ink Business Preferred credit card
The Ink Business Preferred Card is one of the most well-known business credit cards that are designed for startups. It offers a range of benefits, like a high sign-up bonus, purchase protection, and travel perks. It does have some drawbacks.
The Ink Business Preferred Card isn’t ideal, however. There are no introductory APR offers and the spending limit might not be suitable for your company. Moreover, it’s not the most generous points-earning program.
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On the other side however, the Ink Business Preferred Card offers many other beneficial features, including liability coverage in addition to primary car rental insurance, and a shopping protection. If you’re a small business owner, you’ll definitely enjoy these benefits.
Additionally that, the Ink Business Preferred Card is a great opportunity to earn points. Spend in certain categories , and you’ll earn three points per dollar. For example, if you add $500 worth of purchases to your credit card during the first three months, then you’ll be rewarded with an offer of 100,000 points.
The Divvy is a great option for business owners in the beginning looking for an business card. This card comes with a wide range of benefits and features. You can also keep track of your business expenses by using this card.
Divvy is compatible with any accounting software that allows users to monitor their financial expenses. You can create a budget, 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 look at your company’s finances and decide how much you’ll need to spend every month. Divvy does not require personal guarantees unlike traditional business credit cards.
However, Divvy doesn’t disclose interest rates on its website. It is crucial to know the interest rate for the company before you make an application.
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Chase Ultimate Rewards
Business credit cards can be used to obtain the best interest rates for business loans and offer valuable rewards. Chase Ultimate Rewards business credit cards can earn bonus points which can be converted into cash or cash back. Certain cards provide rewards for shopping and traveling while others can be used to to build credit for your business.
There are a myriad of credit card issuers you could select from, including Chase. However, you must think about the ways you will use a particular credit card. It is important that you choose the appropriate business credit card that meets your requirements.
Small business owners will find the Ink Business Preferred(r), Credit Card a great option. This card offers solid rewards for various purchase categories and even covers mobile phone expenses.
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