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Business Card with 2+ % Cash Back or same point value except AMExX

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azpro
New Contributor

Business Card with 2+ % Cash Back or same point value except AMExX

Does anyone know a Business Card (preferably Visa and next preference  Master Card) that gives 2% or more cash back or similar % value?

I'm looking for something to use mostly at Home Improvement stores.

 

My primary card is Amex Business Cash 2% Cash Back. I prefer to pay it off every month in full. Or something with lower interest rate of less than 8% and higher credit limits of atleast 25K may work as well.

Message 1 of 7
6 REPLIES 6
Aim_High
Super Contributor

Re: Business Card with 2+ % Cash Back or same point value except AMExX


Capital_One_Spark_Business.jpg

 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 2 of 7
Aim_High
Super Contributor

Re: Business Card with 2+ % Cash Back or same point value except AMExX

Capital One Spark Business pays 2% cash back.

 

$95 AF but ...

 

    (1) Waived first year

    (2) $500 SUB covers another 5 years plus

    (3)  Starting at year 7, if you spend more than $19K on this card, you beat a no-AF flat 1.5% cash-back business card like Chase INK Business Unlimited. 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 3 of 7
creditfan
Established Contributor

Re: Business Card with 2+ % Cash Back or same point value except AMExX

here is another if you're qualify for membership

https://www.rbfcu.org/business/business-credit-card

Message 4 of 7
SouthJamaica
Mega Contributor

Re: Business Card with 2+ % Cash Back or same point value except AMExX


@Aim_High wrote:

Capital One Spark Business pays 2% cash back.

 

$95 AF but ...

 

    (1) Waived first year

    (2) $500 SUB covers another 5 years plus

    (3)  Starting at year 7, if you spend more than $19K on this card, you beat a no-AF flat 1.5% cash-back business card like Chase INK Business Unlimited. 


But OP should bear in mind:

1. Spark reports to personal credit

2. Cap One often triple pulls


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 5 of 7
azpro
New Contributor

Re: Business Card with 2+ % Cash Back or same point value except AMExX


@SouthJamaica wrote:

@Aim_High wrote:

Capital One Spark Business pays 2% cash back.

 

$95 AF but ...

 

    (1) Waived first year

    (2) $500 SUB covers another 5 years plus

    (3)  Starting at year 7, if you spend more than $19K on this card, you beat a no-AF flat 1.5% cash-back business card like Chase INK Business Unlimited. 


But OP should bear in mind:

1. Spark reports to personal credit

2. Cap One often triple pulls


I have Captial One Spark for my other business. I don't like the fact it reports to Personal Credit

Message 6 of 7
Anonymous
Not applicable

Re: Business Card with 2+ % Cash Back or same point value except AMExX


@azpro wrote:

@SouthJamaica wrote:

@Aim_High wrote:

Capital One Spark Business pays 2% cash back.

 

$95 AF but ...

 

    (1) Waived first year

    (2) $500 SUB covers another 5 years plus

    (3)  Starting at year 7, if you spend more than $19K on this card, you beat a no-AF flat 1.5% cash-back business card like Chase INK Business Unlimited. 


But OP should bear in mind:

1. Spark reports to personal credit

2. Cap One often triple pulls


I have Captial One Spark for my other business. I don't like the fact it reports to Personal Credit


I love that 2 percent cash back though.  Most of my business spend is in the "other" or 1 percent for all other business cards.

Message 7 of 7
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