Applying for a credit card that suits your business needs can be a daunting process. However, with the right information and guidance, selecting a business credit card that caters to your specific needs can be easy. One such credit card is the Visa Business Credit Card with Rewards program. This card ensures that you earn rewards on purchases made on your business, offering convenience and value at the same time. In this article, we will explore the features, advantages, and application process for the Visa Business Credit Card with Rewards.
Top 10 Visa Business Credit Cards with Reward Programs
Business owners are always on the lookout for the best credit cards that give them rewards for their spending. Visa, being one of the most widely accepted credit cards globally, offers numerous business credit cards with reward programs. In this article, we have listed ten of the best Visa business credit cards with rewards that can help business owners earn rewards while managing their finances. Let’s take a detailed look at these cards:
1. Chase Ink Business Preferred Credit Card
The Chase Ink Business Preferred Credit Card is a popular Visa business credit card that provides rewards for business expenses. Cardholders can earn three points for every dollar spent on travel, shipping, advertising, and internet, cable, and phone services. Furthermore, users can earn one point per dollar on all other purchases. On sign-up, new cardholders can earn 100,000 bonus points by spending $15,000 within three months.
2. Bank of America Business Advantage Cash Rewards Mastercard Credit Card
This credit card by Bank of America is perfect for small businesses; it offers cashback rewards for everyday business expenses. Users can earn good cashback rewards on gas, office supply stores, and restaurants. Moreover, cardholders can earn an additional cash reward for their first $3,000 in purchases during the first 90 days.
3. Spark Classic for Business Credit Card from Capital One
For business owners new to credit cards, the Spark Classic for Business Credit Card from Capital One is the perfect choice. The card offers cashback rewards for every purchase that cardholders make, with no annual fee. The percentage of cashback reward is 1% for every purchase made. This card is perfect for users who are looking for an easy to use cashback reward program.
4. Costco Anywhere Visa Business Card by Citi
The Costco Anywhere Visa Business Card by Citi is an excellent option for businesses that spend a lot on gas and travel. The rewards program offers high cashback rewards on gas purchases, travel bookings, and restaurant purchases. Furthermore, the card comes with no fee for foreign transactions, making it a perfect card for businesses that frequently travel overseas.
5. Southwest Airlines Rapid Rewards Premier Business Credit Card
The Southwest Airlines Rapid Rewards Premier Business Credit Card offers plenty of rewards for business owners that frequently travel by Southwest Airlines. This Visa business credit card allows users to earn a large number of rewards for everyday business expenses. Users can earn two points for every dollar spent on Southwest Airlines purchases and one point per dollar spent on all other purchases.
6. American Express Business Gold Card
The American Express Business Gold Card is an excellent Visa credit card that offers a unique reward program for businesses. The card provides membership rewards points for the money spent by the cardholders. The reward points can be redeemed for various options, such as travel bookings, merchandise, or even statement credits.
7. U.S. Bank Business Leverage Visa Signature Credit Card
If you’re looking for a reward credit card that gives you cashback in multiple categories, the U.S. Bank Business Leverage Visa Signature Credit Card might be an excellent choice for you. This credit card offers cashback rewards on different categories, including office supplies, gas stations, and cell phone purchases. In addition, the card comes with a sign-up bonus of 75,000 bonus points, worth $750, when you spend $7,500 within the first four months.
8. Capital One Spark Miles for Business Credit Card
The Capital One Spark Miles for Business Credit Card offers a unique kind of rewards program that lets you earn miles for each dollar you spend. The miles can then be redeemed for travel-related expenses, such as hotel bookings, flight tickets, and car rentals. Furthermore, new cardholders can earn a sign-up bonus of 50,000 miles by spending $4,500 within the first three months.
9. Wells Fargo Business Elite Card
The Wells Fargo Business Elite Card provides rewards for everyday business spending. The card offers one point per dollar spent on all expenses and provides a bonus of 50,000 reward points for the first $1,000 of expenses within the first three months. The rewards can be redeemed for valuable items, such as cashback, travel bookings, or merchandise.
10. CitiBusiness AAdvantage Platinum Select World Mastercard
The CitiBusiness AAdvantage Platinum Select World Mastercard offers rewards points for businesses that frequently travel with American Airlines. The cardholders can earn double points for all travel purchases and one point per dollar on all other expenses. Furthermore, new cardholders can earn 65,000 bonus points by spending $4,000 within the first four months of opening an account.
In conclusion, Visa business credit cards with reward programs provide users with numerous benefits. Business owners can make the most of their expenses by earning rewards in various categories.
Why choose a business credit card with rewards?
When it comes to running a business, every expense counts. Therefore, you want to ensure that you are maximising every purchase you make. One way to do that is by using a business credit card that lets you earn rewards on your purchases. If you are still unsure whether a business credit card with rewards is right for you, below are ten reasons to help you understand why it is a great option.
1. Extra Cashback on Business Related Spending:
A business credit card with rewards will give you the chance to earn extra cashback on your business-related spending. You can earn cashback anywhere between 1% to 5% on the purchases you make on office supplies, utilities, shipping, and travel expenses.
2. Manage Expenses:
A business credit card with rewards will give you a detailed report of all your expenses, making it easier to track your business’s cash flow, categorize your expenses, and manage your overall spending.
3. Boost Your Credit Score:
If you are a small business owner without much of a credit history, owning a business credit card with rewards will help you build your credit score over time. Utilizing the card regularly and paying off your balance on time will give you a good credit score in the long run.
4. Easy Budgeting:
A business credit card with rewards will let you set a budget limit for your business expenses, which will prevent you from overspending. This feature is perfect for small businesses that want to manage their cash flow effectively.
5. Fraud Protection:
With a business credit card, you will get fraud protection on all your purchases. If any fraudulent activity is detected on your account, you can immediately report it to your card issuer and get a refund of the charges.
6. Exclusive Business Perks:
A business credit card with rewards may come with additional perks, such as 24/7 customer support, access to airport lounges, concierge services, and many more. These perks can help make your business travel much more convenient and enjoyable.
7. No Liability:
If you have employees who can use the business credit card, you won’t be liable for any fraudulent activity or unauthorized purchases made by them. This feature gives you peace of mind and protects your business from financial loss.
8. Cash Flow Management:
A business credit card with rewards has a grace period that lets you delay your payment without incurring any interest charges. This feature is beneficial as it helps you manage your cash flow and avoid any penalties for late payments.
9. Improved Record Keeping:
A business credit card with rewards lets you store all your receipts in one place, making it easier to keep track of your expenses and reconcile your accounts. You can download your transaction history in an excel format, making your bookkeeping much easier.
10. Employee Management:
If you have employees who use the business credit card, you can set different credit limits for them based on their spending behaviour. This feature is beneficial as it helps you monitor their expenses and avoid overspending.
In conclusion, a business credit card with rewards offers many perks and benefits that can help you manage your business expenses effectively. It can also help you boost your credit score, giving you access to better financing options in the future. However, before applying for a business credit card with rewards, make sure you choose one that aligns with your business needs and budget.
The Best Rewards Programs for Visa Business Credit Cards
As a business owner, you already know how important it is to use a credit card for your expenses. With a Visa business credit card, not only can you manage your expenses easily, but you can also reap the benefits of a rewards program. Here are the best rewards programs that Visa business credit cards offer.
Cashback is a popular rewards program among credit card users, and visa business credit cards are no exception. With a cashback rewards program, you can earn a percentage of your spending back in cash, so it’s like getting a discount on all your purchases. Some Visa business credit cards offer up to 5% cashback on certain purchases, such as office supplies and travel expenses.
Many business owners travel frequently, and a travel rewards program allows you to earn points for travel expenses, such as flights, hotels, and rental cars. Some Visa business credit cards offer bonus points for booking travel through certain vendors, and you can redeem your points for free or discounted trips.
Rewards for Gas and Dining
If your business involves frequent travel by car or dining out with clients, you might want to consider a rewards program that offers incentives for gas and restaurant purchases. Some Visa business credit cards give you 3-4% back on gas purchases and up to 2% for dining expenses.
Another popular rewards program is a points-based system, where you earn points for every dollar you spend. You can then redeem your points for various rewards, such as gift cards, merchandise, or even travel. Some Visa business credit cards offer flexible redemption options, allowing you to transfer your points to other loyalty programs.
Low-Interest Rewards Program
If you’re looking for a rewards program but also want to avoid high interest rates, consider a low-interest rewards program. Some Visa business credit cards offer a low introductory interest rate, so you can earn rewards without worrying about high APRs. This type of rewards program is especially useful if you plan to carry a balance on your card.
|Chase Ink Business Cash
|0% Intro APR for 12 Months, then 15.24% – 21.24%
|Capital One Spark Cash for Business
|20.99% variable APR
|Bank of America Business Advantage Cash Rewards
|0% Intro APR for 9 billing cycles, then 13.74% – 23.74%
|Amex Business Gold Card
|14.24% – 22.24% variable APR
|U.S. Bank Business Cash Rewards World Elite Mastercard
|0% Intro APR for 15 billing cycles, then 11.99% – 22.99%
No matter which rewards program you choose, make sure to review the card terms carefully and choose a card that fits your business needs. With a Visa business credit card, you can earn rewards while keeping track of your expenses conveniently and effectively.
Learn more about the benefits of Visa Business Credit Card with rewards and how it can benefit your business financially.
Pros of Using a Visa Business Credit Card with Rewards
When it comes to credit cards for businesses, a Visa business credit card with rewards can offer a lot of advantages. In this section, we will explore the benefits of using a Visa business credit card with rewards and how they can help your business.
1. Rewards Programs
A Visa business credit card with rewards offers various programs to its customers. From cashback to travel points, businesses can accrue monetary or other benefits quickly by using a rewards program. The rewards programs, however, vary by issuer, so it’s essential to compare before diving into one.
2. Build Business Credit
One significant advantage of using a Visa business credit card with rewards is that it can help build your business’s credit. By making regular payments and building a strong credit history, business owners can improve their credit score and qualify for more favorable financing terms in the future.
3. Expense Tracking
When it comes to managing business expenses, keeping track of all invoices and transactions can be daunting. However, with a Visa business credit card, businesses have access to detailed reporting tools that allow them to track expenses and manage budgets easily.
4. Employee Management
Another advantage of using a Visa business credit card is that it allows businesses to easily manage their employee’s expenses. By setting individual spending limits, businesses can curb irresponsible spending and ensure that their employees are staying within budget.
5. Increased Purchasing Power
Using a Visa business credit card with rewards gives businesses the purchasing power to acquire more significant inventory or complete more extensive projects. Higher credit limits allow them to take on business opportunities that they may not have had the capital for otherwise.
6. Access to Additional Perks
Aside from rewards points, Visa business credit cards offer several additional perks such as extended warranties and insurance coverage. These offerings can add additional value for businesses.
7. Online Payment Convenience
Using a Visa business credit card makes online payments convenient for businesses. Online transactions have become increasingly more popular, allowing businesses to pay quickly and without hassle.
8. Improved Cash Flow Management
Businesses need to manage their cash flow carefully. A Visa business credit card with rewards can provide them with funds when they need them, allowing them to meet their financial obligations on time.
9. Fraud Protection
Using a Visa business credit card can provide businesses with fraud protection. In cases of unauthorized transactions, businesses are not liable for transactions made by third parties or fraudulent activities.
10. Competitive Interest Rates
Finally, using a Visa business credit card with rewards can offer competitive interest rates. These rates can be significantly lower than other financing options available to businesses, allowing them to save money on interest expenses.
Thanks for considering a Visa Business credit card with rewards!
We hope you found this article useful in navigating the benefits of a Visa Business credit card with rewards. Of course, every business is unique, so it’s important to weigh the pros and cons before making a decision. Remember that with a Visa Business card, you can earn rewards while enjoying added perks like travel insurance and purchase protection. And with Visa being accepted worldwide, it’s a convenient way to handle all your business expenses. Thanks for reading and please visit us again for more helpful tips and tricks!