What Are Rotating Credit Card Bonus Categories?

Top view of woman hand holding credit card and doing shopping online.

Having a credit card is important to financial independence and security. However, if you want to credit card to work for you and not against you, you have to use it wisely. The first step is making sure that you choose the right credit card for you and your needs. Once you have researched all the credit card options, you can select the one that is right for you. Even when you select the best one for you, you must use your credit card wisely so that you do not find yourself buried in debt.

Rotating Credit Card Categories Explained

A number of credit cards offer rewards when you make purchases in certain categories, or at specific retailers. There can be different types of cash back rewards with different types of credit card options. Some of them are fixed, while others have rotating credit card bonus categories. One type of cash back is a flat cash back rate on all purchases and there is not limit to the rewards. Another type of cash back reward is a tiered program. In a tiered program, some purchases earn more cash back than others. These tiers usually remain the same and do not change. The third category is a rotating bonus, which we will talk about a little further down.

With the cash back rewards that do not rotate, the rewards rate remains the same all year long. These cards offer unlimited cash back, which means there is no limit on how much you can earn in rewards. You can earn rewards on every purchase you make regardless of the amount you spend. A card with tired rewards usually breaks down so that you get 3 percent on groceries, 2 percent on gas, and 1 percent on every other purchase.

What Are Rotating Bonus Categories?

The third category we mentioned above is rotating credit card bonus categories. This is when a credit card offers different cash rewards on a quarterly basis. These cash back rewards are usually 5 percent on the amount you spend in specific categories or with a specific retailer. There is usually a flat reward amount for all other spending. Some example of categories may be grocery stores or gas stations, or it might be a specific retailer like Amazon.

These bonuses are typically a little higher and only last for a quarter, which is 3 months. Sometimes, the credit card will give you a heads up about which category or vendor is coming in the next quarter. If you plan to make a large purchase in this category, you might want to wait until the next bonus quarter.

What Are Some Common Bonus Categories?

When looking for rotating credit card bonus categories, you will find that each of these credit cards offers something slightly different than the other. They may rotate through the categories differently, but you will most likely find that they have similar categories.

Most of these types of credit cards have gas stations, grocery stores, and restaurants at some point in their rotation. You can usually find their scheduled rotation somewhere in the information about the card. If you find that you go to the gas station more in the summer, you might want to find a card that offers bonus cash back during the summer months.

You will also find cards that offer cash back for Amazon, Walmart, Home Depot, and Walgreens on their lists. You may even be able to find cards that offer rotating bonus categories on gym memberships and PayPal. Some newer categories include streaming services. Some cards may have an overarching category of streaming services, while some may specifically state Hulu or Netflix.

Is There A Downside To Rotating Categories?

When looking for rotating credit card bonus categories, you may want to know if there are any downsides to this type of credit credit. It is easy to see the high percentage cash back and be pulled in. If the credit card you pick requires you to activate your cash back savings, then it is on you to take that step. Your credit card company may or may not remind you of the new categories and that it is time to sign up. Another potential down side is if thee quarterly cash back options are not in alignment with your spending habits, it may not be the right fit for you.

The categories may not be in an area where you spend money or perhaps the timing does not line up. If you spend more money on gas in the summer months, but the credit card offers cash back bonus for gas in January, that may not be the right match for you. One more thing to consider is the potential cap on spending. If you are spending money that you might not spend just to get the bonus but you have reached your spending limit, you may be spending money for no reason.

What Are the Perks of Having a Cash Back Credit Card?

There are some benefits to having a cash back credit card. The money you get back is a percentage of your purchase. That translates into cash. You usually have the choice of getting a check mailed to you, money deposited into your bank account, or you can use the cash back to make a payment on your credit card. If you use your credit card for all purchases it can be a substantial amount of money. When you have a card with rotating credit card bonus categories, you can maximize on the amount of money you get back.

We will show you with numbers how cash back will work.

If you have credit card that gives you 3 percent back on all purchases, it could work this way: If you spend $1,000 per month, 3 percent of $1,000 is $30. If you spend $1,000 per month for an entire year, you can earn $10 each month, which is $120 per year cash back for purchases you were planning to make anyway.

What Cards Have High Credit Card Rewards Rate?

When considering rotating credit card bonus categories, it is helpful if you know which cards offer the highest rewards rate. You might want to start with these cards and create your list from there. Chase and Discover offer 5 percent cash back on specific categories each quarter. They do have a cap of $1,500 spending per quarter. That means that you receive the 3 percent cash back only up to $1,500 of purchases per quarter. If you spend more than $1,500, you will not receive cash back on that additional amount. In addition, they offer 1 percent cash coach in all other categories. You do have to activate the rewards each quarter. It is not automatic.

Citi cards offers a similar card called the Citi Dividend Card. This one is not available to new applicants. This card pays 5 percent back on items in specific categories and 1 percent back on all other items. There is not limit on how much you can spend, but the maximum cash back you can receive per year is $300. The Amalgamated Bank of Chicago (ABOC) gives 5 points per dollar spent up to $1,500 in specific categories, which change every quarter. The rest of your spending gets 1 point per dollar. There is no activation required to gain access to the cash back.

How Do I Pick The Right Card?

Understanding the cash back that comes with your credit card is important, but that is not the only reason to select a credit card. There are some other details to which you should pay attention. You should know the credit limit that comes with the credit card you are researching. The credit limit may make a difference depending on what your credit card needs are. If you want to make large purchases, you will want a credit card with a higher credit limit. You want to know the fee schedule for your credit card.

Most credit cards have late fees or missed payment fees. You want to know what those fees will be. You want to do everything you can to make sure you pay your credit card in full and on time, but things happen and you will want to know the fees associated with missed payments. The annual percentage rate (APR) is also important when selecting a credit card. This is the amount of interest you will pay if you do not pay your card in full each month. The higher the APR, the more interest you will pay each month. While your goal should always be to pay your credit card in full each month, we know that is not always possible. You should aim for the lowest percentage rate possible.

What Other Benefits Can a Credit Card Offer?

There are other bonuses that your credit card may offer. It depends on the credit card that indicates the bonuses you might get. If it is a store credit card, you often get special sales and incentives. You may also get loyalty points when you shop in the store and use the credit card. Some cards offer airline points. Every time you use your credit card, you get points for each dollar you spend and those points translate to savings on airline tickets. This credit card may also offer you travel insurance or protection on your purchases. Some credit cards offer gift cards as a reward for your purchases. You may even get gifts that are offered based on how much money you spend.

How Do I Use A Credit Card Wisely?

No matter what credit card you choose, you should always use your credit card wisely. If you are able to go to online card shops or go to stores in person to shop, you still should not spend more money than you have. It is easy to spend the money since it does not come directly from your bank account. You still have to pay the credit card bill each month. You should pay the credit card bill in full each month. If you cannot pay the bill in full, you should pay as much of it as you can.

When you accrue interest each month, it becomes harder to pay your credit card bill. This is how people get buried in credit card debt. Even if you cannot pay your credit card bill in full, you want to make sure that you pay at least the minimum amount and pay it on time. If you do not pay the minimum, you will be charged a fee. You want to avoid fees as much as possible. If you do not pay your credit card on time, it can have a negative impact on your credit score.


Picking a credit card is an important choice. It is easy to be lured in by the perks and cash back programs. You also want to make sure you pay attention to the credit limit and the annual percentage rate. You want to make sure that you selecting the best credit card for you. If you plan to use it often, you want to make sure that it is a perfect fit. You want to always remember to spend wisely. Just because you have the credit card does not mean you should always use it. You still must be mindful that you can pay your bill each month.


The Top 0% Intro APR Credit Cards You Should Consider

Selective focus on credit card

Credit cards are the holy grails of credit. They carry a lot of weight when it comes to credit scores and financial profiles. Every debtor should have at least one credit card on his or her credit report. Each debtor should also make sure that the credit card of choice is one that works best for him or her. There are many types of credit card options from which a debtor may choose. One of the most popular types of cards is the 0% intro APR option.

Best Credit Cards With Zero Percentage APR

This credit card type has a promotion that offers the debtor 0% interest for a certain amount of time. After the promotional period ends, the debtor must pay the regular APR.

Consumers can take advantage of 0% intro APR credit cards in many ways. They can use them to merge their credit card accounts. They can use them to make large purchases without having to pay any interest. Also, they can use them to boost their FICO scores. We’ve taken the liberty to find some of the top 0% intro APR credit cards on the market right now that you should consider. Sift through this list and then pick the one that seems like it will suit your current needs. We can even help you find more.

Discover It Balance Transfer Card with 0% APR

Discover It Balance Transfer Card

The Discover It Balance Transfer card is a good choice if you’re looking for 0% intro APR credit cards that you can also use to transfer your balances. The initial 0% interest period is for the first six months for purchases and the first 18 months for balance transfers. After that, the annual percentage rate will increase to a 12.24% – 23.24% variable interest rate. This would be a great time to grab this card and transfer the balances from your other cards to it.

The Discover It Balance Transfer Card has other features and benefits to it aside from its promotional offer. You will also be free of paying any kind of annual fee because the current annual fee is $0. Other features that the card offers are features such as a free FICO credit score, social security number alerts, and friendly US-based customer service representatives. Furthermore, the card doubles as a cashback card. You can get up to 5% cashback on the purchases you make with the card. To make it even better, the credit card company will match your cash back earnings at the end of your first year. This card just keeps on giving!

To qualify for the Discover It Balance Transfer Card, you should have a credit score in the 700 point range. You should also be a US citizen who is at least 18 years of age, since you will have to sign a credit card contract.

Capital One Quicksilver Cash Rewards Card

Capital One Quicksilver Cash Rewards Card

The Capital One Quicksilver Cash Rewards Card is another card that may interest you. It’s one of the 0% intro APR cards that also doubles as a rewards card. The introductory period of having a 0% APR will last for the first 15 months of your purchases. After the promotional period ends, your purchase APR will change to a 15.24%-25.24 variable APR. Your balance transfers will also be at 0% for the first 15 months you have the card. After that, you will also have to pay a 3% fee.

The Capital One Quicksilver Cash Rewards Credit Card also has many other positive features that come with it. For one, you will not have to pay a fee for any foreign transactions that you do with your card. You will not have to pay an annual fee for this card either. Other features that you will have access to include features such as 1.5% cash back on all the purchases you make with your card. Additionally, you will also have access to a $150 bonus if you spend $500 on your purchases within three months after you get your credit card.

It’s worth taking a look at this card and thinking about applying for it. You must be 18 years of age and be a US resident. Capital One is generally more lenient with their approval criteria than some other credit card companies are. You may be able to get approval for this card if you have a credit score of about 670.

Discover It Cashback Card

Discover It Cashback Card

The Discover It Cashback Card is another wonderful card offered to you by the Discover company. It is strictly a cashback card and does not offer balance transfers. Thus, it will be perfect for you if you’re not looking to transfer any of your balance. The Discover It Cashback Card allows you to earn 5% cash back on some of your purchases and 1% cash back on your other purchases. It also offers a cashback match as part of the promotion. You will receive a cashback match after the first year that you have the card.

This card is one of the 0% intro APR cards that will be a dream for you to own. Card features include features such as unlimited cashback, anytime redemption, Amazon checkout, and social security number alerts. Afterwards, the user would pay an APR of 12.23% – 23.24%.

You should have a credit score of at least 700 points to get approval for this credit card. As usual, you must be 18 years of age or older.

BankAmericaCard Credit Card

BankAmericaCard Credit Card

Bank of America is one of the most prominent banks in the nation, and it offers consumers a credit card with its name on it. The BankAmeriCard Credit Card has a 0% APR introductory period of 18 months. After the initial introductory period ends, credit cardholders will have an APR of 13.24% – 23.24% on purchases and balance transfers. They will also have to pay a 3% fee when they do balance transfers.

The Bank of America Credit Card has many features for consumers to enjoy. It offers clients free access to their FICO score so that they know how it’s improving each month. The card also has no annual fee and no penalty APR. Therefore, a late payment will not cause a rise in a cardholder’s APR. It may, however, create a drop in the person’s credit score.

Applicants must have a very good or excellent credit score to gain approval for the BankAmeriCard. They must also be at least 18 years old and be a citizen of the US. Applicants do not have to be Bank of America customers, but being a customer may help them to gain approval for the card.

American Express Cash Magnet

American Express Cash Magnet

Some consumers are into American Express cards. If you’re like them, you will love the American Express Cash Magnet O% APR credit card. This card offers a 0% percent APR for the first 15 months on both purchases and balance transfers. After the initial promotion ends, the cardholder will have to pay an APR of 14.24%-24.24%, and it is variable.

This card is a cashback card, which means that cardholders can earn money back on their purchases. The card offers a 1.5% cashback potential. The promotional offer for this card also includes a $150 bonus for new cardholders who spend at least $1,000 during their first month of owning the card.

The cashback system allows cardholders to earn 1.5% cash back on every purchase they make. They can use the cash back to buy merchandise, get gift cards, or pay for their credit card bills.

Those two features aren’t the only features that this amazing card offers, however. Cardholders also have access to premium features such as no annual fee and the ability to use their cards in more than 3 million stores and websites.

American Express credit cards are generally hard to get. They require a credit score of 700 points or more for approval. A credit score of 700 or more is considered good or excellent. Card applicants must also be at least 18 years of age to apply. They can make their applications over the phone, or they go to the website and apply online. Sometimes, American Express sends offers to potential cardholders. A consumer can follow an invitation and visit the required site to apply for a card that way. Approval should be quick and painless.

Chase Freedom Card

Chase Freedom Card

Chase Bank offers the Chase Freedom card to consumers who have scores of 700 to 750 points. The Chase Freedom card has an introductory period of 15 months where cardholders do not have to pay any credit card interest on their purchases. After the initial 0% APR period ends, the cardholders will have a regular APR of 15.24% – 23.99%. Along with the 0% APR in the beginning, the Chase Freedom card gives a new cardholder a bonus payment of $150. The person has to spend at least $500 during the first three months of account opening.

The Chase Freedom card offers a myriad of additional benefits. One thing they offer that’s different from other credit cards is weekly access to the cardholder’s credit score. The Credit Journey feature keeps cardholders abreast of how they measure up in the credit world. Some of the other features that this card has to offer include features such as 5% cashback on certain categories up to $1,500 and unlimited 1% cashback on all other purchases. Cardholders will also get to enjoy a 3% introductory balance transfer fee and no credit card annual fee at any time. This one is worth a try if you have a good credit score, and you want to take advantage of some huge cashback opportunities.

Capital One Savor One Credit Card

Capital One Savor One Credit Card

The Capital One Savor One Credit Card is definitely a card that you can savor. It comes in a cute little peach color and a memorable name. It’s one of the 0% intro APR cards that you can get if your credit score is not in the “excellent” category. You may be able to land this card if you have a score of 660 or even a little less. You can certainly give it a try if you don’t have too many inquiries on your credit report at this time.

The 0% APR on this card lasts for the first 15 months after you open your account. You will have a 15.24% – 25.24% APR when the first 15 months of time goes by. You can still enjoy a myriad of features even after the initial promotional period ends. One feature that you’ll be able to enjoy is the $0 annual fee. It’s always a pleasure not to have to worry about an annual fee hitting your account when you’ve forgotten all about it.

This card will also not charge you for any foreign transactions you conduct while you’re traveling. Your cash rewards are perhaps the best part of card ownership. You can earn 3% cashback on all of your dining and entertainment ventures. You can also earn 2% cash back on your grocery shopping. You’ll get 1% cash back in every other category, and there will be no limit to the amount that you can earn. Additionally, the card company will give you a $150 bonus if you spend $500 on the card in the first three months that you have it. That sounds like a deal that you shouldn’t ignore.

Capital One Venture One Rewards Credit Card

Capital One Venture One Rewards Credit Card

Capital One offers quite a few credit card options to the masses. The Venture One Rewards Cards is yet another card that gives you a lot of perks and no hassle. It offers an introductory 0% APR for the first 12 months that you own the card. The difference between this card and other cards is that it also offers points that you can use for traveling. You’ll earn 1.25 miles for every dollar you spend on your purchases. You will also get a bonus of 20,000 miles when you spend $1,000 in the first three months that you have the card. 20,000 miles are equal to about $200 of travel.

This card has many more features for you to enjoy. For one, the regular APR is 15.24% – 25.24%, which is a bit lower than the ones on some of the other cards. You can also use your miles to travel whenever you want to travel. You won’t have to worry about blocks or blackout dates when you want to go somewhere.

This card also has no annual fee, no balance transfer fee, and no foreign transaction fee. That’s a lot of no’s for a credit card, and we think you should take advantage of that. Another “no” that this card offers is no penalty APR. You don’t have to worry about being punished for being late on your payment for one month. This might be an excellent card for you to try to grab. Consumers have rated it with four out of five stars on some of the top credit card categories.

Get Approved for 0% Intro APR Credit Cards

Those are just a few of the cards that you can qualify for that have a 0% APR introductory offer. As you can see, most of them have high FICO score requirements. Don’t fret if you’re not quite in the credit category to qualify. You can take several actions to increase your score so that you can get one of these great cards in your hand.

First, you should apply for an easy-to-get credit card with a low initial credit line on it if you don’t already have one. You can qualify for several unsecured cards. Once you get approved for one, you can use it to build your credit score up so that you can get approved for 0% intro APR cards in the future. All you have to do is make your payments on time each month and keep your utilization down below 30%. The credit card company will monitor your usage and payment history.

Your credit score will go up each month you make a timely payment and keep your utilization low. After a while, you’ll start getting offers from credit card companies you may have never heard of. You will be eligible for one of your favorite 0% intro APR cars as well. Work hard and continue to have faith. You’ll get to where you need to be soon enough.

Final Thoughts

You can start applying for 0% intro APR credit cards right now, and you can have one in your hands in about two weeks. You can also contact us and let us help match you up with a credit card that will be perfect for you. We are not a lender, but we are an advocate. We help consumers find a wide variety of financial products and services they need. Loanry can assist you in finding credit cards, consolidation loans, personal loans, car notes, and more. We can also help you get access to debt recovery products and services. Just reach out to us and tell us what you need. We’ll be delighted to help you grab hold of it.


The 11 Top Business Credit Cards: CEO Approved

It’s no secret that running a business- whether a large or small one- takes money. Sometimes, when expenses pop up, resources may not be fluid, so you need an alternative option. Business credit cards can be a great way to take care of these expenses. If you have the right one and handle it well. That’s what we are going to talk about today. The ups and downs and ins and outs of business credit cards.

11 Great Business Credit Cards

Before applying for a credit card, it is important to educate yourself. The first things you need to understand are the similarities difference between personal credit cards and business credit cards. On a very basic level, business credit cards and personal cards work the same. You use the money to pay for things, and then you repay the money. In this sense, a credit card is just a credit card. When you dig past the surface, though, there are some important differences.

Now let’s go through the list of best business credit cards.

Capital One Spark Cash for Business Card

1. Capital One Spark Cash for Business Card

This is a great card for the everyday expenses you face. You can earn 2% cashback on all purchases, so whether you are purchasing a pack of pens from Office Depot or gassing up the jet to fly off to your meeting across the country, you earn. Best of all, there are no caps on those earnings.

  • Interest: 0%
  • Annual fee: $150
  • Rewards: 2% cashback on all purchases

There is an annual $150 fee, but there is no interest, which is pretty awesome. However, you have to pay the balance in full each month. If you don’t, you’ll owe a 2.99% late fee – which is still lower than most interest rates.

You may also earn $1,000 or more for signing up and completing the spending requirements. This particular sign-on bonus may not last forever, but there are usually some good incentives. It comes with free employee cards and even some protections, such as purchase protection, extended warranty, and price protection.

Capital One Spark Miles for Business

2. Capital One Spark Miles for Business

If your business pays for a lot of travel, you should consider the Capital One Spark Miles for Business card, as there are some pretty sweet perks. First, you get 5 miles for every dollar you spend on hotel and rental cars through Capital One Travel and 2 miles for every dollar you spend on all of your other business purchases. There are no foreign transaction fees, and the annual $95 fee is waived for the first year.

  • Interest: 21.24%
  • Annual fee: $0 first year, $95 after
  • Rewards: 2x miles on each purchase, 5x miles on hotel and rental cars

This card also gets you up to a $100 credit if you enroll in Global Entry and TSA PreCheck, and employee cards are free. Additionally, you get the same purchase protection, extended warranty, and price protection of the Spark Cash card. However, you also get travel protections that include:

  • Travel accident insurance
  • Lost luggage reimbursement
  • Auto rental collision damage waiver

The Business Platinum Card from American Express

3. The Business Platinum Card from American Express

Another great credit card for business travel is from American Express. If you book your travel through AMEX Travel, you get 5x points for flights in first or business class. Currently, you can earn up to 150,000 membership points if you spend $15,000 on eligible purchases in the first three months of signing up.

  • Interest: 0% first year, 14.99%-22.99% after
  • Annual fee: $695
  • Rewards: 5x points on flights and prepaid hotels through amextravel.com

The Business Platinum Card from AMEX also gives you 1.5 points on your purchases of $5,000 and up, and then 1 point for every dollar you spend on anything else. There is an annual fee of $695, but there are no foreign transaction fees. Do some math: if you or your employees travel enough that you will save more than the $695 annual fee, this might be the credit card for you. You also get credits for purchases through companies like Dell and Indeed.

Brex Corporate Card for Startups

4. Brex Corporate Card for Startups

Brex offers an excellent option for some businesses. Let’s start by pointing out that this card is given depending on the information gathered from your EIN, so the self-employed, sole proprietorships, and so on will not get approved- move to the next card. If you are incorporated though, continue reading.

  • Interest: 0%
  • Annual fee: $0
  • Rewards: Points on travel, dining, rideshares, recurring software

The Brex Corporate Card credit limit depends on the amount your business has raised, but generally, the limits are 10% to 20% higher than small business cards. The first five cards are included in sign-up. Any additional cards cost $5 per user per month. There are no annual fees at all, no interest, and no foreign transaction fees. At the end of 30 days, the payment is automatically debited from your account, meaning you do not even have to think about it.

If all of that does not sound good enough, there is more. You earn 8 points on rideshares, 5 points on Brex travel, 4 points on restaurants, 3 points on recurring software, and 1 point on everything else. They even have partnerships with Quickbooks, Xero, Google Ads, and more. Check them out to see what they can do for your business. As it does not revolve around your personal credit, it will not hurt your credit to apply. You can also earn 10,000 points when you spend your first $1,000.

U.S. Bank Business Cash Rewards World Elite Mastercard

5. U.S. Bank Business Cash Rewards World Elite Mastercard

The U.S. Bank Business Cash Rewards World Elite Mastercard lets you earn an unlimited 3% cashback on cell phone services as well as gas station and office supply store purchases. The rewards never expire and there is no limit to how much you can earn. You also earn a $100 annual statement credit for recurring software subscriptions.

  • Interest: 0% first year, 14.74%-23.74% after 15 billing cycles
  • Annual fee: $0
  • Rewards: $500 when you spend $4,500 on the owner’s card in the first 150 days

You can transfer balances to this card for 0% interest for the first 15 billing cycles, but there is a 5% or $10 cash advance fee. There is a 2% to 3% foreign transaction fee, depending on the purchase. However, there is no annual fee and an introductory 0% interest rate, which lasts for 15 billing cycles.

Higher Interest and Fees

You will often find that business credit cards charge much higher interest rates and tack on much higher fees than personal cards. And, worse, they can increase those interest rates, fees, and any potential fees without giving you a bit of warning. You can imagine that such a scenario would be no fun for anyone trying to run a business.

Ink Business Preferred Credit Card from Chase

6. Ink Business Preferred Credit Card from Chase

Ink is a great card to consider for any business, but especially digital ones. This is because you can get 3 Ultimate Rewards points for every dollar you spend on advertising on search engines and social media sites. Those same rewards points go for travel, Internet, cable, and phone services, and shipping purchases. On everything else, you earn 1 point per dollar spent.

  • Interest: 16.24%-21.24%
  • Annual fee: $95
  • Rewards: 100,000 bonus points after you spend $15,000 in the first 3 months

With this card also comes primary rental car insurance, free employee cards, and cell phone insurance. There are no foreign transaction fees, but there is a $95 annual fee. Currently, there is a sign-up bonus of 100,000 points when you meet the spending requirements and extra points for booking travel through Chase Ultimate Rewards.

CitiBusiness AAdvantage Platinum Select World Mastercard

7. CitiBusiness AAdvantage Platinum Select World Mastercard

This is another good card to consider for travel. You receive 2 AAdvantage miles for every dollar you spend on American Airlines, and 2 miles for every dollar you spend on telecommunications, cable and satellite, car rentals, and gas. For all other purchasing categories, you get 1 mile per dollar spent.

  • Interest: 16.74%-25.74%
  • Annual fee: $0 first year, $99 after
  • Rewards: 50,000 American Airlines if you spend $2,500 in the first 3 months

Additionally, you get baggage checked for free and even four companions. It comes with free employee cards, too. There are no foreign transaction fees. There is a $99 annual fee but it is waived for the first year. They also run sign-up deals that give you bonus miles when you meet spending requirements.

The Hilton Honors American Express Business Card

8. The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is beneficial for businesses that do a lot of traveling. This card lets you earn 12 Hilton Honors points for every dollar spent at Hilton properties, 6 points per dollar for gas, at restaurants, and on flights and car rentals from certain companies, and 3 points per dollar on everything else.

  • Interest: 16.49%-25.49%
  • Annual fee: $95
  • Rewards: 12x points on Hilton hotel or resort; 6x points on restaurants, gas, car rentals, telephone services, flights through Amex Travel

Employee cards are free and you even get access to expense tracking tools. This card also gives you travel protections like baggage insurance, travel insurance, roadside assistance, and more. There are no foreign transaction fees, though there is a $95 annual fee.

U.S. Bank FlexPerks Business Travel Rewards Card

9. U.S. Bank FlexPerks Business Travel Rewards Card

The U.S. Bank FlexPerks Gold American Express Card gives some pretty sweet perks, too. You can earn 5x FlexPoints on prepaid hotels and car rentals, 3x on restaurants, 2x on airlines, gas and EV charging stations, and 1x on everything else. Currently, you get 30,000 points if you spend $2,000 in your first four months.

  • Interest: 15.24%-25.24%
  • Annual fee: $85
  • Rewards: 5x points on prepaid hotels and car rentals; 3x on restaurants, 2x on airlines, gas, and EV charging stations; 1x on all other purchases

Additionally, you get TSA PreCheck or Global Entry, access to millions of WiFi hotspots around the world, and the option to Buy Now, Pay Later. That lets you split purchases over several payments. There is an $85 annual fee but no foreign transaction fees.

American Express Blue Business Cash Card

10. American Express Blue Business Cash Card

This card is good for businesses looking to grow. First, you earn 2% cashback on all eligible purchases that amount to $50,000 per calendar year. After that $50,000, it drops to 1%. For those that need to spend more than their credit limit, the Blue business card has an Expanded Buying Power option where you can go over your limit. How much over depends on your payment history and more, but it is an option.

  • Interest: 0% first year, 13.99%-21.99% after
  • Annual fee: $0
  • Rewards: 2% on all eligible purchases

There is a balance transfer option, which costs either $5 or 3% of the amount of the transfer- whichever is greater, though there is no fee on transfers in the first year. You get charged 2.7% on all foreign transactions. In the first year, purchases have 0% interest. Extras include purchase protection, extended warranty coverage, car rental loss and damage insurance, and more.

Marriott Bonvoy Business American Express Card

11. Marriott Bonvoy Business American Express Card

For those businesses whose travels land them at the Marriott pretty often, why not have a Marriott Bonvoy Business American Express Card? You get 6 Marriott Bonvoy Rewards points for every dollar you spend at Marriott properties. And you also get complimentary Marriott Bonvoy Silver Elite Status. You even receive a free night every year you keep the account active. If you spend $60,000 on the card in a calendar year, you get another free night.

  • Interest: 16.49%-25.49%
  • Annual fee: $125
  • Rewards: 6x points on participating hotels; 4x points on restaurant, gas, and cell phone; 2x points on other purchases

That isn’t all, though. You earn 4 points per dollar spent at restaurants, gas stations, and cell phone services, and 2 points per dollar on other purchases. The card comes with baggage insurance, travel accident insurance, roadside assistance, and car rental damage and loss. There are no foreign transaction fees, but there is an annual fee of $125. If you have or have had a Marriott business card recently, you may not qualify for the application bonus, so check the fine print before you sign.

Anyone Can Apply for Either

Just because they are called business cards does not mean you need to have a physical location and employees to apply. If you are a freelancer or simply have a side hustle and want to keep your business expenses separate, you can apply for business credit cards with your personal information as a sole proprietor. In the same vein, a business owner might consider a personal credit card instead of a lower interest.

Pros of Business Credit Cards

There are plenty of good reasons to apply for business credit cards.

  • You can usually get approved for a business credit card much quicker than you can get approved for a personal one. As odd as it may sound, even if the lender is looking at your personal credit score, they tend to be more lenient with the credit cards. This is not always the case, but it typically is.
  • The rewards, bonuses, promos, and other incentives can be incredibly helpful. For instance, getting a 0% interest introductory rate for a year can give you that full year to work on increasing your income. This is great for startups and small businesses as it gives them a chance to get money coming in. Also, as mentioned above, earning points towards things you use can help you save. If you are going to have a credit card anyway, you might as well have one that will help you where you need to save.
  • Like a personal credit card, they can help build your business credit- something businesses desperately need to have.
  • When you run into problems, like equipment malfunctions, credit cards can help you take care of the problem quickly.

Cons of Business Credit Cards

Of course, there are downsides to business credit cards, as well. Two big ones are:

  • Interest rates are often high for business credit cards.
  • Fraudulent charges may slip through the crack. Because there are usually so many charges put on a business credit card, it is easy to overlook something that you did not put there. Often, it is easier for an identity thief to get his hands on a business’s credit card information than it is an individual’s. Also, as much as I wish it weren’t so, employees may use a business card for things other than business expenses, especially if they feel they are not being monitored. The best solution is to be sure that someone is going through every charge on your credit card bill. If something looks like it should not be there, investigate. This will ensure that you catch fraudulent charges more quickly. Also, if you are making your employees explain the charges they make, they will be much less likely to charge things that they should not.

Rewards and Bonuses

As business credit cards are intended for businesses, the rewards and bonuses offered appeal more to businesses than to individuals. For instance, business cards usually have better options on categories such as:

  • Travel- hotel stays, rental cars, airfare
  • Office supplies
  • Technology
  • Even advertising

Some personal cards use these categories, too, but you will likely see bonuses and rewards for personal cards such as:

  • Groceries
  • Home improvement purchases
  • Entertainment

Sometimes these categories will be found on both personal and business credit cards, but not always.

Credit Card Shopping Trick that Many People Try

Sign up for a card with 0% interest for the first year and perks you can use. At the end of that year, find another card that has 0% interest for a year, and close the first one so you are not charged any annual fees. Sometimes, though, rather than lose your business, your first credit card company will give you another good deal- it’s always worth trying to ask them.

If that does not work, you can sign up for a new card at the end of each promotion, unless of course your contract says otherwise. For this to work well, though, you will need to do one of two things: either make sure your balance is paid in full before the end of the promotional period, or make sure your new card allows for balance transfers and transfer that balance at least a month in advance. That way, by the time your promotional period is over, you have nothing on that card.

Handling Business Credit Cards Responsibly

You need to be as careful with your business credit cards as you are with your personal credit cards. Well, unless you are not responsible with your personal cards. If that is the case, it is time to be responsible with all of them. Here are a few tips to do so:

  • Only give cards to employees who you feel will be responsible with them, and then check to make sure that they are doing that.
  • Set limits on the cards so that neither you nor your employees can do any large spending without you authorizing it first.
  • Only spend money that you have either planned to spend or need to spend.
  • Set a budget for your spending and stick with it.
  • Try to have savings set aside for unexpected expenses instead of having to use your credit card all of the time.
  • Pay your bill on time every month.
  • Pay more than the minimum balance required. As stated above, if it is at all possible, try to pay your balance off every single month.
  • Remember that 0% interest is not a green light to spend like crazy. The amount you charge during that period needs to be paid off before the end of the promotion. Otherwise, interest will be added.


Running a business requires time, commitment, and money. Though credit cards can only take care of the money side of things, having the funds already available can save you time and make it easier to keep your head in the game. I said above that having a business line of credit and a business credit card available to you opens up your options. So does having more than one business credit card.

It might be beneficial for you to have two or three business cards open. First, when done well, they will help your business credit. Second, if you have three that offer different perks and cash back for different purchases, you can choose the best card for each move you need to make. Look into a few that you feel will benefit your business the most and apply.

Additionally, if you are currently in credit card debt that you cannot seem to dig your way out of, there is hope. Getting an installment loan can give you the funds you need to pay off your credit cards. Then, instead of making multiple payments and gaining insane amounts of interest every month, you have one simple payment to make.