For those that are starting a business, one the most important questions they’ll have to answer is “Can I get a business credit card?” The answer is yes however, the process of getting an official business credit card can be daunting and confusing. Here are a few things to learn about getting credit card.
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Brex 30
Brex offers a variety of financial services , including corporate credit cards as well as spend management and expense management software. Brex provides a complete financial solution for entrepreneurs.
The Brex Card, also known as Brex for Startups, is a credit card that helps startups establish their credit history. The applicants don’t have to pay interest and don’t need to provide a personal guarantee. Instead, applicants are rated by the company’s business model and spending habits.
Credit limits of up 100 percent are allowed for applicants. This limit is determined by the amount customers have in their Brex Cash account. Every day the Brex Card draws from the account to determine its limit for spending.
With the Brex Corporate Credit Card, you can earn valuable rewards on purchases. For instance, you can earn four points on trips booked through Brex Travel. You can also get three points for dining out.
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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. The card offers a variety of benefits, including a flat 1.5% cashback rate on all purchases. There are no annual fees, and the card doesn’t have other requirements, aside from having a credit score of at least.
A business credit card with low interest is a great choice for those who are just starting out. You may also want to look into a business credit card which offers additional security.
One of the most important advantages of a low interest business credit card is that you don’t have to fret about juggling several cards or worrying about how much you’ll have to pay off each month. This is especially important if you’re trying to finance large expenses.
Ink Business Preferred Credit Card
The Ink Business Preferred Card is one of the most popular business credit cards that are designed for startups. It offers a variety of benefits, like an impressive sign-up bonus, purchase protection, and travel benefits. However, it also has a few drawbacks.
The Ink Business Preferred Card isn’t perfect, however. There aren’t any introductory APR promotions available, and the spending limit could be too low for your business. It’s also not the best points-earning feature.
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On the other side the Ink Business Preferred Card offers many other beneficial features, including liability coverage in addition to primary car rental insurance and a shopping insurance. If you’re a small-sized business owner, you’ll definitely get these benefits.
Moreover to that, the Ink Business Preferred Card is an excellent way to earn points. Spend in certain categories and you’ll earn three points per dollar. In this case when you spend $500 on purchases with your card in the first three months, you’ll receive a 100,000 point welcome bonus.
Divvy
The Divvy is a great option for startup business owners looking for an business card. The card comes with a range of benefits and features. You can also keep track of your business expenses by using this card.
Divvy can be used with accounting software and enables users to easily monitor financial expenses. You can then create budgets, set limits, and request money. It also lets you set a spending limit for your employees.
Divvy also has a corporate card. These cards evaluate your business’s finances and determine the amount you should spend every month. Divvy does not require personal guarantees, unlike traditional business credit cards.
However, Divvy does not disclose any interest rates on its website. It is important to find out the company’s interest rate before you apply.
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Chase Ultimate Rewards
Business credit cards can be used to secure the highest interest rates for business loans. They also offer rewards. For example one card, the Chase Ultimate Rewards business credit card gives you bonus points that can translate to cash back. Certain cards provide rewards for travel and shopping while others can be used to help improve your company’s credit score.
In addition to the top business credit cards offered by Chase but there are many other credit card issuers that you can use. However, you should think about how you will make use of a particular credit card. It is crucial to find the right business credit card to meet your requirements.
The Ink Business Preferred(r) Credit Card is a good choice for small-sized business owners. The card gives you solid rewards on various purchase categories and also protects employees’ mobile phone bills.