If you've been thinking about getting a business credit card because of the rewards it offers, you'll find that the major business credit card issuers have the best rewards programmes for their customers.
Visa Cards for Business
Cardholders with Rewards Visa business credit cards can earn points on a variety of business expenses. To encourage business credit card holders to use their cards to buy everyday office supplies, they will get three points for every dollar they spend on business services and office supplies from stand-alone stationery stores. For all other purchases, they will get one point for every dollar they spend. You have to use the points you earn within three years, because they will no longer be valid after that time. Depending on the type of Visa business credit card, after the first purchase, a new cardholder will get either 10,000 or 15,000 reward points.
Standalone merchants sell office supplies and stationery to other businesses or commercial accounts. Professional services like accounting and legal services can also be thought of as stand-alone businesses, as long as most of their clients are businesses. If you buy something at a discount store or another place where the price is already low, you won't get three points for every dollar you spend.
In addition to getting points for the money they spend, business credit card holders with a Visa CitiBusiness Premierpass Card can also get points for the miles they fly. If you use your business credit card at least once every three years, you can keep the points you earn through miles.
Credit cards for business use from American Express
American Express lets people who buy things with their business credit cards get one point for every dollar they spend. Their business credit cards give you an unlimited number of points that don't run out. The American Express Membership Rewards club lets you use the points you earn to buy a wide range of goods and services. American Express gives you 5,000 bonus points when your business credit card application is approved and you make your first purchase. This is to welcome you to the business credit card community.
If you have a Platinum FreedomPass Business credit card, you can only use your points for discounts on "Eligible Travel Purchases," which are purchases made with your business credit card at certain tour operators, travel agencies, and online travel sites. The merchant must send in these kinds of purchases using a code or identifier for their business category. "Eligible Travel Purchases" earn points that can be redeemed in increments of 7,500 points. Each 7,500 points is worth $100.
Except for platinum business credit cards, you will have to pay an annual fee.
Credit Cards for Business from Advanta
Under the rewards programme for Advanta Mastercard platinum business credit cards, you can choose between cash rebates and business rewards. You can get 5% cash back on all purchases of gas, computers and computer supplies, electronics and office supplies, and payments for utilities and telecommunications services. For all other purchases, you can get 1% cash back.
If you prefer the business rewards programme, you get one point for every dollar you spend on purchases with your business credit card. You can use the points you've earned to get shopping and travel rewards. You can earn an unlimited number of points, which are good for 36 months.
