Save money and be informed. CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Business Credit Cards with Rewards

Compare business reward cards to help you earn rewards as you grow your business.
Business owners across America are looking for ways to trim their expenses. One interesting way to accomplish this goal is through a business credit card with rewards. With so many options available to businesses these days, there is sure to be a credit card that will work with your company to help achieve discounts and rewards that will help with your bottom line.

Read more about: Business

Business Airline Rewards Cards

Compare Airline Credit Cards for Business from our partners and apply online

Find more credit cards for Business
Find more credit cards with Airline Rewards

Read about Beginner's Guide to Airline Miles and Points

Disclaimer: The information for the Delta SkyMiles® Gold Business American Express Card, Capital One Spark Miles for Business, and Spark Miles Select from Capital One has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Business Cash Back Rewards Cards

Compare Cash Back Credit Cards for Business from our partners and apply online

Find more credit cards for Business
Find more credit cards with Cash Back Rewards

Read about Capital One Quicksilver Review

Disclaimer: The information for the Capital One Spark Cash Select for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Business Credit Cards with Rewards Benefits

How to Take Advantage of Your Business Credit Card with Rewards

Explanation of Rewards Programs

Many individuals are familiar with personal credit cards with rewards programs but are unaware of the options for business credit cards. The business credit card rewards programs typically work the same as personal credit cards with similar options.

For each dollar spent with the credit card, the cardholder earns a certain number of points. Typically, cardholders will earn 1 point for each $1 but depending on the program and the purchase, they may earn as much as 6 points for each $1. Rewards for business credit cards are also very similar to those available through personal credit cards. Typically, businesses will be able to choose from cash back, travel, merchandise or gift cards.

Why Choose a Business Credit Card

Entrepreneurs and small business owners are often tempted to use their personal credit card for business purchases; especially when their personal card has a rewards program. However, the tracking and bookkeeping involved with separating personal and business expenses can be tricky. Also, these individuals may be missing out on appealing business discounts by utilizing a personal credit card alone. This is because many business credit cards come with discount programs for typical business expenses like rental cars, shipping, printing and office supplies.

How to Take Advantage of Your Business Rewards

It’s important for businesses to keep in mind that not all rewards credit cards are the same. Here are some tips when it comes time for you to shop for your company’s rewards credit card as well as some steps you can take once you have chosen the card that is right for your business.

  • Look for a card that offers an introductory bonus – many cards will provide cardholders with bonus points simply for utilizing their card within the first several months of opening. While these are a one-time bonus, it helps you accrue points from the start so you can experience the benefits of the rewards.

  • Use a card that has bonus categories – as mentioned previously, there are some business rewards credit cards that feature categories that receive bonus points. These may be for gas, restaurant, office supply or even advertising purchases. If you find a card that aligns with your common purchases, then you will be able to accrue points that much quicker.

  • Stick to just one card – many card programs allow businesses to have cards for individual employees that link to the same account. This will allow you to accrue points in one account while still allowing multiple departments to easily make their purchases. You will also have better control over spending because you often can designate various credit limits on a per card basis.

  • Utilize the card for everyday purchases – the more you use your card, the more points you can accrue. If you typically give employees cash to pick up coffee or certain supplies, have them use their company credit card instead. As long as you keep a close eye over spending so that you don’t end up paying interest on Starbucks runs, your company will win through extra rewards.

  • Know the details of your program – make sure to read the fine print of your credit card terms and rewards programs. Many offer unlimited points with no expiration. But there are some programs that cap the amount of bonus points that can be accrued and require their cardholders to redeem their accrued points by a certain date each year.

    These cards work well for many businesses, so if they are a good match for you, don’t let an expiration date deter you from the card. However, you will want to make sure that you are redeeming your rewards by the designated deadline or you’ll be missing out.

You might also be interested in

Best Bank for Small Business

Small Business Banks

Discover the top 10 banks for small businesses. Unlock your business' potential with the best bank

About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2024 CreditDonkey Inc. All Rights Reserved.