When you’re running a small business, you often need to make purchases that are above and beyond what your normal budget allows. You may need to purchase an item for work or school, pay a vendor or supplier in full, or make a large purchase without having the cash on hand. By using a prepaid credit card, you can use it for these expenses without having to deal with the headache of applying for a loan or credit card.
In this guide, we review the Best Prepaid Credit Card For Business, how to start prepaid card business, free prepaid business debit cards, and what are the best business credit cards to get.
Best Prepaid Credit Card For Business
When you’re running a small business, sometimes you need to make purchases that are above and beyond what your normal budget allows. If you have a prepaid credit card, you can use it for these expenses without having to deal with the headache of applying for a loan or credit card. For example:
PayPal Prepaid Mastercard
For business owners who want to keep their finances separate from their personal accounts, a prepaid credit card is a great choice. These cards can be used at millions of locations where MasterCard is accepted, and they have no annual fee or foreign transaction fees. Also, PayPal Prepaid Mastercard has a $0 liability for unauthorized purchases.
NetSpend Visa Prepaid Card
NetSpend Visa Prepaid Card is a great choice for anyone with bad credit, as you can get approved without a lengthy application process. This card has no annual fee, and no overdraft fees. There is a $1.50 activation fee and a $2 monthly maintenance fee on this card.
Chase Liquid
The Chase Liquid is a great card if you’re looking for a prepaid card with no annual fee. This card has no activation fee and allows you to manage your accounts online, which makes it easy to check on balances, make deposits and transfers, or get text alerts when an account reaches a certain limit (e.g., $0 balance). The Chase Liquid also offers free ATM withdrawals at any Chase ATM or bank location in the United States (including Puerto Rico). You can also use this card anywhere there’s MasterCard logo or Cirrus Network acceptance worldwide (these include ATMs as well as retail store purchases).
The best part about using the Chase Liquid is that money earned through direct deposit will not be subject to monthly service fees—even if they exceed $5 each month! In addition, there are no foreign transaction fees charged when using this prepaid credit card abroad.
PNC SmartAccess Prepaid Visa Card
The PNC SmartAccess Prepaid Visa Card is one of the best prepaid credit cards for business owners. It has no annual fee and doesn’t charge you any overdraft fees. You can also use it to apply for a checking account and it comes with free online banking and bill pay services.
The card itself allows you to make purchases online, as well as transfer money between your accounts or send payments through email. There are also no fees when using ATMs owned by PNC, which makes this card especially useful for those who travel a lot or spend time away from home without access to traditional banks.
American Express Serve FREE Reloads
American Express Serve® is a reloadable prepaid card that can be used to pay bills, shop online and more. It’s also one of the best prepaid credit cards for business owners because it offers many features that help you manage your finances:
- You can add funds to your account using direct deposit.
- You can use Serve for online shopping with no transaction fees.
- If you’re not satisfied with this debit card, there’s no annual fee! And if the service isn’t meeting all of your needs, there are other options available from American Express — just call 1-800-528-4800 (Mon-Fri 6am – 9pm ET) or go online at americanexpress.com/servefreereload
If you use your prepaid credit card carefully, it can be a beneficial addition to your business.
Prepaid credit cards are an excellent way to manage your money, budgeting and tracking expenses. They allow you to pay bills, make online purchases and even purchase small items in person.
Here’s how prepaid cards work: Once you’ve loaded funds onto a prepaid card (usually through direct deposit), it’s like you have a bank account but without any of the associated fees. You can use that balance anywhere that accepts Visa or Mastercard—and many businesses accept them as well. Prepaid cards also provide additional security benefits since they’re not connected to your checking account or other personal accounts, so they’re less likely than debit cards or credit cards to be hacked during transactions.
how to start prepaid card business
Everyone is getting into the prepaid debit card business. It isn’t just for banks any more. Tax exempt companies, major organizations, and even freelancer hubs like Fiverr are all offering people prepaid debit cards. Money is placed into an account, is released through an ATM request or PIN purchase, and it works wherever the branded credit card processor is accepted. In return, card holders can set up direct deposits, recurring payments, and other common debit card needs.
To start a prepaid debit card business, it helps to already have a business that has been established. The institutions that issue prepaid debit cards like to work with established businesses that have already performed their due diligence and have an established proof of concept that works. If you need to start a business first, then choose one from an industry that you are passionate about before proceeding to issue prepaid debit cards.
If you are established, then you’re ready to follow these additional steps.
1. Choose your preferred debit card processor.
Most debit cards today are issued by Visa. It’s the most widely established credit card processor in the world, but there are other options from which to choose as well. MasterCard and American Express are the two international names that offer debit cards. Local banks and credit unions might have their own branded cards that they will sponsor for you as well.
2. Choose the design of your debit card.
Most debit cards are pretty basic in design. The PayPal debit card, for example, has the business logo on the front of it and a gray background. That’s it. Others have thunderstorms, kittens, or are setup so that individualized designs can be printed on demand. Whatever the design happens to be, just make sure that the color and branding are consistent with the rest of the messages your company is sending out to others.
3. Determine your fee structure.
You’re going to be making money from this business venture based on the fees that you charge. Since 2010, many laws regarding the fees that can be charged and how much is legally allowed have been changed, so take time to research what is allowed and what is not allowed. Prepaid debit cards that are heavy on fees won’t make much money because people will migrate to lower fee cards whenever possible.
4. Choose a smart method of marketing.
NetSpend looked to make a big splash in the prepaid debit card world. To gain the attention of potential customers, they printed out numerous real cards with customer names on them already. The idea was simple: encourage people to use the card by offering them an unsolicited empty card in the first place. Many recipients were upset by the program, however, and the fallout was a public relations nightmare. Your prepaid debit card business should only be promoted in conjunction with your current business. This way everyone who wants the card will be able to receive one.
5. Consider a private label relationship.
Sometimes running a solitary prepaid debit card business is just too time intensive and expensive. For that reason, there are private label prepaid debit card partnerships that can be developed which can save a lot of money on the startup costs. It’s a co-op venture, so your business logo will be the primary card branding, while the program sponsor will receive a place on the card as well. The benefit of this relationship is that there aren’t monthly management fees, monthly minimum requirements to meet, or any long term commitments.
6. Do you want revenue sharing or interchange revenue?
Revenue sharing very rarely occurs with a private label prepaid debit card program. Interchange revenues on purchases are typically the only income source. Custom programs offer revenue sharing on fees and can generate bigger revenues since a program-only debit card for your business could qualify you to receive higher interchange fees as the issuing bank.
7. Make sure that you register your prepaid debit card business as an LLC.
It is very important to manage your financial assets wisely with this type of business. This is especially true since there will likely be at least one other business that you’re managing. By registering this entity as a limited liability corporation, you’ll be able to protect your personal assets in case something unforeseen might happen.
free prepaid business debit cards
The best business prepaid cards for small businesses have reasonable fees and offer convenient ways to reload your balance. To find a prepaid card fit for your business, consider your spending habits and how many cards you’ll need for your employees. Choose one that provides access to an online and mobile dashboard and lets you control your employee cards. Prepaid cards aren’t credit cards and require no credit check, so you can be approved for one easily.
Here are the six best prepaid business cards:
Bento for Business Visa® Debit Card: Best Overall Business Prepaid Card
Why we like it: The Bento for Business Visa® Debit Card is our best overall business prepaid card because of its straightforward fee structure and high maximum spend limit of $25,000 per day. It may be used at any merchant that accepts Visa debit cards and for international transactions—with no foreign transaction fees. What’s more, you can try Bento for free for the first 60 days with no setup and debit fees.
How to Load Funds
You can add or transfer funds to your Bento account through the following:
The maximum deposit limit is $10,000 daily, and it will take around one to three business days for your funds to become available on your Bento account.
You can pause or turn off the Scheduled Reload or Low-Balance Reload by simply switching the on/off toggle.
Keep in mind that some banks offer next-day or same-day ACH functionality. Verify with your bank if it offers this option.
It’s worth noting that while Bento does not charge any fees for transferring funds into your Bento account, your bank may charge an outgoing wire transfer fee. Check with your bank to know the fees associated with this service.
Additional Features
Spend Controls
With Bento for Business Visa® Debit Card, you can activate or deactivate the card or your employees’ cards anytime online. You can also set up flexible spending amounts, limit spending to work days only, and restrict merchant categories. Plus, it lets you activate international use only when needed and allows online and telephone purchasing.
Analytics & Reporting
You can take advantage of real-time visibility into your transactions. Additionally, you’ll see an overview of your cash flow, allowing you to manage your budget effectively.
Accounting Integration
Bento is integrated with a variety of accounting software, including QuickBooks, FreshBooks, Oracle, and Xero. Plus, you can check the transactions page using two different views: the simple reporting view shows the basic information, while the accounting-focused view allows for enhanced functionality.
Invoice Payments
Bento features Bento Pay™, which lets you pay invoices digitally using only your vendors’ email addresses. Vendors don’t need to sign-up for Bento—plus, they can choose when and how they get paid. This feature allows business owners to send B2B payments at any time while tracking all payments and payees in one place.
PEX Prepaid Business Card: Best for Custom Payment Platform
Why we like it: If you need to customize your business’s spending per department, employee, and merchant category, the PEX Prepaid Business Card is a great option. It offers a 60-day free trial, and you can choose from a variety of monthly packages depending on your needs. You can also set the time and days when the card can be used. PEX’s platform instantly approves or declines transactions based on your settings.
Note that for Base, Core, and Pro packages, the monthly subscription fee is waived in months when you spend more than $50,000 for businesses and more than $25,000 for nonprofits. If you are applying for the Infinite package, contact PEX for your customized offer.
How to Load Funds
To fund your PEX account, you can transfer directly from the bank account through online funds transfer, ACH credit, and outgoing ACH transfer. You may also add funds to your PEX account through a wire transfer from your business checking account or initiate a debit of the funds from your bank account via the PEX ACH Service. Most banks typically take around one to two business days to completely process the fund transfer; however, this may also vary from bank to bank.
Additional Features
Account Management & Reporting
You can track your company spending anywhere because PEX reports transactions in real-time. Cardholders can submit receipts and accounting codes through a mobile app, while administrators can manage card restrictions online or via mobile app.
Physical & Virtual Cards
With PEX Prepaid Business Card, you have the option to use physical or virtual cards. You can distribute physical cards to employees and use virtual cards for online purchases and subscriptions.
Accounting Integration
You can integrate your PEX account with QuickBooks and other major accounting software to provide an automated payment platform based on your needs.
dashTM Prepaid Mastercard®: Best for Low Daily Spend Limits With No Setup & Monthly Fees
Why we like it: If you anticipate the daily spend of each card to be under $1,000, the dashTM Prepaid Mastercard® may be the best choice for your business because it has a maximum spend limit of $1,000 per day. With no setup and monthly fees, it’s essentially free to use, as the provider takes a percentage of each sale from the merchant. Plus, there’s no limit to the number of cards you can order. Moreover, it integrates with QuickBooks and other major accounting software.
How to Load Funds
dashTM features the “Company Vault,” which is where your company’s funds are securely stored. To deposit funds into it, you need to add your checking or savings account as a funding source to dashTM. Then, you can transfer funds quickly and securely online when your balance gets low.
Additional Features
Funding Requests from Employees
Team members can request funds by simply entering an amount and providing a description or reason for the request. The account administrators will receive the request and review it for approval. This feature allows you to approve or reject expenses before they happen. If you approve the request, the funds will be available on the team member’s card. You can also set limits per employee to allow automatic approval if the load requests are just within their limit.
Paperless Receipts
Every transaction is captured in the dashTM app with the merchant’s name, category, and date of purchase. Users can add additional expense details, such as expense categories, receipt photos, and purchase details.
Daily Summaries
With daily summaries, you will stay on top of transactions, card balances, and deposits via email or text. You can also opt for push notifications with every transaction for real-time reporting. In addition, you can be notified when the company vault’s account balance is low.
Robust Control
Company owners have full control over the company’s funds by adding team members, approving requests remotely, removing funds, and suspending users. All of these can be done via the dashTM app.
Netspend Prepaid Debit Card: Best for Earning Cash Back Through Payback Rewards
Why we like it: With the Netspend Prepaid Debit Card, you can earn cash back rewards on some of your purchases through its Payback Rewards feature. Netspend will provide reward offers that are personalized based on your spending habits—you can visit its rewards page to see your customized offers. Plus, it allows you to choose between the monthly and pay-as-you-go plan, which is best if you don’t want to commit to using the card for the long term. Additionally, new accounts acquired between Nov. 15, 2022, to Dec. 31, 2022, that fund $1,000 monthly from Nov. 15, 2022, to June 30, 2023, will enjoy $0 monthly fees.
what are the best business credit cards to get
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Here are 17 business credit cards from our partners
Overall business credit card
American Express Blue Business Cash™ Card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement. Terms Apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
American Express Blue Business Cash™ Card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement. Terms Apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Cash back: Flat-rate rewards, no annual fee
Ink Business Unlimited® Credit Card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 1.5% cash back on every purchase made for your business
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Ink Business Unlimited® Credit Card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 1.5% cash back on every purchase made for your business
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Cash back: Heavy spenders
Capital One Spark Cash Plus
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Capital One Spark Cash Plus
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Cash back: Bonus categories
Ink Business Cash® Credit Card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Ink Business Cash® Credit Card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
The Blue Business® Plus Credit Card from American Express
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms Apply.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
The Blue Business® Plus Credit Card from American Express
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms Apply.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
Travel rewards: Flat-rate rewards
Capital One Spark Miles for Business
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Capital One Spark Miles for Business
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Overall travel rewards + big sign-up offer
Ink Business Preferred® Credit Card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Ink Business Preferred® Credit Card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
The Business Platinum Card® from American Express
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Terms Apply.
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.
The Business Platinum Card® from American Express
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Terms Apply.
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.
Travel rewards: No annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on Bank of America’s website
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire. Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on Bank of America’s website
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire. Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Capital on Tap Card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on Capital on Tap’s website
1.5% rewards on all spend, no caps or restrictions
Earn a $1,200 cashback when spending $50,000 in the first 6 months (for NerdWallet readers). If you don’t meet the offer you’ll still be eligible to earn $200 when you have spent $15,000 in the first 3 months.
Capital on Tap Card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on Capital on Tap’s website
1.5% rewards on all spend, no caps or restrictions
Earn a $1,200 cashback when spending $50,000 in the first 6 months (for NerdWallet readers). If you don’t meet the offer you’ll still be eligible to earn $200 when you have spent $15,000 in the first 3 months.
Sign-up bonus (cash back)
Capital One Spark Cash Select – $500 Cash Bonus
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
Capital One Spark Cash Select – $500 Cash Bonus
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
Hotel business card for free nights, flexible rewards
Marriott Bonvoy Business® American Express® Card
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
6x points at hotels participating in the Marriott Bonvoy™ program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Terms Apply.
Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. Terms Apply.
Marriott Bonvoy Business® American Express® Card
NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.
on American Express’ website
6x points at hotels participating in the Marriott Bonvoy™ program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Terms Apply.
Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. Terms Apply.