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Business Credit Card Rewards Calculator 2024

investor.com

Written by investor.com

March 13, 2024

Which cashback credit card is going to work the hardest for you and your business? The average small business can earn more than $700 a year cashback using a business rewards credit card for typical company-related expenses. This business credit card rewards calculator will help you identify the cashback credit card that pays back the most in rewards, based on how much you actually spend each month.

If you're looking for a cashback credit card for personal use, well, we've got a finder for that, too. Hop on over to our consumer Credit Card Rewards Calculator.

Credit Card Calculator
Monthly Spend
Spend Categories expand_more
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monetization_on Other
card_travel Travel
phone_iphone Cell Phones
print Office Supplies

Amazon Business American Express Card

Read review
Amazon Business American Express Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
an $100 Amazon Gift Card
face Dayana's Take expand_more

thumb_up Likes

  • Choice of cashback (3%) or more time to pay on Amazon-y purchases
  • 2% on dining, gas and gab (cell services)
  • $100 gift card upon approval, no spending requirement
  • $0 annual fee
  • Amazon Prime membership not required
  • No foreign transaction fee
  • Potential referral bonus
  • Includes Amex perks

thumb_down Dislikes

  • 3% rewards/60-day no-interest apply only to Amazon purchases
  • Choose the 60-day financing and you forgo cashback rewards
  • Default cashback rate is just 1%
  • $120,000 annual cap on 3% eligible spending
  • Redemption minimums revealed upon approval. Weird.
  • Balance transfers not allowed

Amazon Business Prime American Express Card

Read review
Amazon Business Prime American Express Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
an $125 Amazon Gift Card
face Dayana's Take expand_more

thumb_up Likes

  • Choice of cashback (5%) or more time (90 days) to pay
  • 2% back on dining, gas and gab (cell services)
  • $125 no-strings gift card upon approval
  • $0 annual fee
  • No foreign transaction fee
  • Potential referral bonus
  • Includes Amex perks

thumb_down Dislikes

  • 5% rewards/90-day no-interest apply only to Amazon purchases
  • Choose the 90-day financing and you forgo cashback rewards
  • $120,000 annual cap on 5% eligible spending
  • Amazon Business Prime membership required
  • Redemption minimums revealed upon approval
  • Balance transfers not allowed

American Express Blue Business Cash

Read review
American Express Blue Business Cash Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$250
face Dayana's Take expand_more

thumb_up Likes

  • 2% cashback on eligible purchases (basically everything)
  • Rewards automatically applied as statement credit
  • Flexible spending limit
  • 0% APR on purchases for first 12 months
  • Plays nice with QuickBooks
  • $0 annual fee
  • Access to Amex travel perks/protections

thumb_down Dislikes

  • 2% cashback rate capped after $50,000 in spending each year
  • A lowly 1% base rewards rate applies after you hit the annual spending cap
  • Only one cashback redemption option (statement credit)
  • 2.7% foreign transaction fee

American Express Plum Card

American Express Plum Card Logo
Cashback Per Year
$...
Annual Fee
$250
Welcome Bonus
N/A
face Dayana's Take expand_more

thumb_up Likes

  • Unlimited 1.5% cash back (aka “Early Pay Discount”) on the portion of your balance paid within 10 days of statement closing date
  • Early Pay Discount applied automatically to next statement as a credit
  • No spending categories to track
  • 60-day no-interest grace period when minimum payment is paid by the due date
  • No foreign transaction fees
  • No preset spending limit (this is a charge card you must pay off each month) makes it good for high-dollar expenses
  • Up to 99 employee cards available
  • Comes with Amex’s extended warranty/purchase protection, car rental loss/damage insurance, Global Assist Hotline)

thumb_down Dislikes

  • 1.5% cashback applies only to amount of balance paid early
  • Hard to justify the $250 annual fee for businesses aiming to optimize rewards
  • 0% cashback on purchases not paid during the “Early Pay Discount” window
  • High “minimum payment” hurdle: 10% of the balance from new card activity, plus the entirety of any previously deferred balance
  • Steep $15,000 spending requirement in first three months to earn $500 statement credit
  • Balance must be fully paid off within 60 days or ugly fees apply
  • Spending limit may vary, based on your credit/payment history and spending behavior

Bank of America Business Advantage Customized Cash Rewards

Read review
Bank of America Business Advantage Customized Cash Rewards Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$300
face Dayana's Take expand_more

thumb_up Likes

  • Customizable 3% cashback category
  • 2% rewards on three-martini lunches (and other dining)
  • Offers rewards booster with a B of A biz checking account
  • $300 sign-up bonus
  • 0% intro APR on purchases for nine months
  • Compatible with QuickBooks
  • $0 annual fee

thumb_down Dislikes

  • Annual spending cap on bonus tiers
  • We’re nonplussed by the 1% default cashback rate
  • Business management tools are sparse
  • 3% foreign transaction fee
  • 4% balance transfer and cash advance fees
  • No balance-transfer deal
  • Requires deeper banking/investing relationship for best rewards terms

Bank of America Business Advantage Unlimited Cash Rewards

Read review
Bank of America Business Advantage Unlimited Cash Rewards Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$300
Apply Now

On Bank of Americas Site

face Dayana's Take expand_more

thumb_up Likes

  • Simple flat-rate rewards structure
  • No caps on rewards spending
  • Potential 25%-75% rewards booster with a BofA biz deposit or Merrill biz investing accounts
  • $300 sign-up bonus
  • 0% intro APR on purchases for nine months
  • Compatible with QuickBooks
  • $0 annual fee

thumb_down Dislikes

  • 1.5% cashback rate across the board is the definition of "meh"
  • 3% foreign transaction fee
  • No intro APR on balance transfers (and a 4% transfer fee to boot)
  • Business management tools are sparse or cost extra
  • Requires deeper banking/investing relationship for better rewards terms

Capital One Spark 1% Classic for Business

Read review
Capital One Spark 1% Classic for Business Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
N/A
face Dayana's Take expand_more

thumb_up Likes

  • A 1% cashback rewards card option for those with just OK credit
  • No cashback spending caps or category restrictions
  • 5% cashback on hotels/rental cars through Capital One Travel
  • Cashback redeemable at any time for any amount
  • No foreign transaction fees
  • $0 annual fee

thumb_down Dislikes

  • Meh 1% rewards rate
  • No higher rewards tiers (except through Capital One Travel)
  • No sign-up goodies
  • High purchase APR and punishing penalty APRs
  • Potentially very low credit line ($300)

Capital One Spark 1.5% Cash Select

Read review
Capital One Spark 1.5% Cash Select Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$500
face Dayana's Take expand_more

thumb_up Likes

  • 1.5% cashback on everything, no caps, no category restrictions
  • $500 cash bonus up for grabs
  • Cash back is redeemable at any time for any amount
  • $0 annual fee
  • No foreign transaction fees
  • 5% cashback on hotels and rental cars booked via Capital One Travel
  • Plays nice with QuickBooks, Quicken and Excel

thumb_down Dislikes

  • Requires “excellent” credit in exchange for just “OK” terms
  • To clarify, 1.5% rewards rate is just “OK” in the biz card world
  • High sign-up bonus spending requirement
  • No purchase or balance transfer introductory APR offering
  • Punishing penalty APR (north of 30%)

Capital One Spark 1.5% Cash Select for Good Credit

Read review
Capital One Spark 1.5% Cash Select for Good Credit Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
N/A
face Dayana's Take expand_more

thumb_up Likes

  • 1.5% cash back on everything, no caps, no categories
  • 5% cashback on hotels and rental cars booked via Capital One Travel
  • Rewards redeemable at any time for any amount
  • $0 annual fee
  • 0% intro APR for 12 months
  • Offers basic business tools and protections
  • No foreign transaction fees

thumb_down Dislikes

  • A 1.5% rewards rate is table stakes among biz rewards cards
  • No higher cashback tiers = limited earning potential
  • Offers no sign-up bonus
  • Punishing penalty APR (30%-plus)

Capital One Spark 2% Cash Plus

Capital One Spark 2% Cash Plus Logo
Cashback Per Year
$...
Annual Fee
$150
Welcome Bonus
$3,000
face Dayana's Take expand_more

thumb_up Likes

  • 2% unlimited cash back, no caps, no category restrictions
  • Up to $3,000 welcome bonus (Note high spending requirement)
  • Lack of a preset spending limit is convenient for businesses that have big expenses
  • Multiple reward redemption options; reward transfers allowed between certain Capital One rewards accounts
  • No foreign transaction fees
  • 5% cashback on hotels and rental cars booked through Capital One Travel

thumb_down Dislikes

  • Balance must be paid in full when statement is received, as in minimum payment = your entire balance
  • 2.99% late payment fee applies to balances not paid in full
  • Just to be crystal clear: This. Is. A. Charge. Card. Not a credit card
  • Spending limit may vary, based on your credit/payment history and spending behavior
  • Requires spending $120K in first six months to earn entire welcome bonus

Capital on Tap Business Credit Card

Read review
Capital on Tap Business Credit Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$200
face Dayana's Take expand_more

thumb_up Likes

  • Simple no-fuss 1.5% cash back on all purchases
  • No rewards caps or categories to track
  • High potential credit line — up to $50K
  • Low 9.99% potential APR
  • No annual fee
  • No foreign transaction fees
  • Applying doesn’t impact your credit score

thumb_down Dislikes

  • High $15K spending requirement to earn $200 sign-up bonus
  • No balance-transfers allowed. Period
  • No intro APR on new purchases or balance transfers
  • High end of the range of potential APRs is in nosebleed territory
  • 10% minimum monthly payment requirement
  • Sole proprietorships and charities/non-profits need not apply

Chase Ink Business Cash Card

Read review
Chase Ink Business Cash Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$900
face Dayana's Take expand_more

thumb_up Likes

  • High 5% cashback rate on business essentials
  • 2% cashback at gas stations and restaurants
  • Large sign-up bonus
  • 0% APR on purchases for 12 months
  • Multiple redemption options
  • Lets you combine points with other Chase Ultimate Rewards-earning cards
  • $0 annual fee
  • Referral bonus available

thumb_down Dislikes

  • 5% and 2% cashback categories subject to $25K annual spending caps, darnit
  • Low 1% base cashback rate
  • 3% foreign transaction fee
  • No balance transfer deal
  • High balance transfer and cash advance fees

Chase Ink Business Unlimited Card

Read review
Chase Ink Business Unlimited Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$750
face Dayana's Take expand_more

thumb_up Likes

  • Hassle-free, flat-rate rewards on all purchases
  • $750 sign-up bonus
  • 0% APR on purchases for 12 months
  • Multiple redemption options
  • Lets you combine points with other Chase Ultimate Rewards-earning cards
  • $0 annual fee
  • Pays out referral bonuses

thumb_down Dislikes

  • 1.5% rewards rate is it. No higher rewards tiers offered 🥲
  • No balance transfer deal
  • High balance transfer and cash advance fees
  • 3% foreign transaction fee
  • Fewer benefits than some other Chase cards

Costco Anywhere Visa Business Card by Citi

Read review
Costco Anywhere Visa Business Card by Citi Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
N/A
face Dayana's Take expand_more

thumb_up Likes

  • 2% to 4% earnings rates on multiple spending categories
  • Respectable cashback rewards on non-Costco purchases, too!
  • Extra earnings potential for Costco Executive Members
  • No foreign transaction fees
  • No annual fee (for the card)

thumb_down Dislikes

  • $7K annual spending cap on 4% cashback on gas
  • Redemptions available only once per year ...
  • ... and they expire
  • 1% base cashback rate can be limiting
  • No sign-up bonus or 0% intro APR deals
  • Authorized users must also be Costco members (at $60 a pop every year)

TD Business Solutions Credit Card

Read review
TD Business Solutions Credit Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$400
face Dayana's Take expand_more

thumb_up Likes

  • 2% cashback on all eligible purchases
  • No cashback limit
  • No reward categories tracking necessary
  • Sign-up bonus available
  • No annual fee

thumb_down Dislikes

  • $25 (2,500 point) cashback redemption minimum
  • 3% foreign transaction fee
  • No introductory balance transfer or purchase offer

Truist Business Cash Rewards Credit Card

Read review
Truist Business Cash Rewards Credit Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
N/A
face Dayana's Take expand_more

thumb_up Likes

  • 3% cashback on gas and 2% on restaurants and office supplies
  • 0% intro APR on purchases for nine billing cycles
  • 10%-50% loyalty cashback bonus for Truist biz banking customers
  • No annual fee

thumb_down Dislikes

  • $2,000 monthly spending cap for 2% and 3% eligible purchases — combined
  • Yes, combined
  • Just 1% cashback on everything else
  • Loyalty Cash Bonus requires maintaining a Truist business deposit account
  • Rewards expire after five years
  • $25 minimum for cashback redemptions
  • No welcome bonus
  • 3% foreign transaction fee

U.S. Bank Business Leverage Visa Signature Card

Read review
U.S. Bank Business Leverage Visa Signature Card Logo
Cashback Per Year
$...
Annual Fee
$95
Welcome Bonus
$750
face Dayana's Take expand_more

thumb_up Likes

  • Automatic 2% cashback on two top spending categories
  • $750 intro bonus when you spend $7,500 within the first 120 days
  • 5% cashback on prepaid hotels and car rentals booked through U.S. Bank
  • Offers real-time rewards redemptions
  • No cashback limit
  • No foreign transaction fees

thumb_down Dislikes

  • $95 annual fee kicks in after 12 months
  • Narrow rewards spending categories = smaller earning potential
  • Just 1% cashback base rate
  • Rewards expire after 5 years
  • No 0% intro APR on purchases or balance transfers

U.S. Bank Triple Cash Rewards Visa Business Card

Read review
U.S. Bank Triple Cash Rewards Visa Business Card Logo
Cashback Per Year
$...
Annual Fee
$0
Welcome Bonus
$500
face Dayana's Take expand_more

thumb_up Likes

  • Unlimited 3% cashback on common business expenses
  • 0% purchase and balance transfer APR for 15 billing cycles
  • 5% cashback on prepaid hotels and car rentals booked through U.S. Bank
  • $500 cashback intro offer. Noice.
  • $100 annual credit for certain recurring software subscriptions
  • Real-time rewards redemptions
  • No annual fee

thumb_down Dislikes

  • 1% default cashback rate = have another, rewardier card handy
  • Tight 30-day balance-transfer window to qualify for 0% intro APR
  • No bueno 3% foreign transaction fee
  • Lacks peace-of-mind perks (extended warranties, purchase protection, travel accident insurance)
View More


compare_arrows Compare business credit cards

Select and compare two business cash back credit cards head to head to see which offers the most bang for your buck.


Select Credit Cards

×
  • check_box_outline_blankcheck_boxAmazon Business American Express Card
  • check_box_outline_blankcheck_boxAmazon Business Prime American Express Card
  • check_box_outline_blankcheck_boxAmerican Express Blue Business Cash
  • check_box_outline_blankcheck_boxAmerican Express Plum Card
  • check_box_outline_blankcheck_boxBank of America Business Advantage Customized Cash Rewards
  • check_box_outline_blankcheck_boxBank of America Business Advantage Unlimited Cash Rewards
  • check_box_outline_blankcheck_boxCapital on Tap Business Credit Card
  • check_box_outline_blankcheck_boxCapital One Spark 1.5% Cash Select
  • check_box_outline_blankcheck_boxCapital One Spark 1.5% Cash Select for Good Credit
  • check_box_outline_blankcheck_boxCapital One Spark 1% Classic for Business
  • check_box_outline_blankcheck_boxCapital One Spark 2% Cash Plus
  • check_box_outline_blankcheck_boxChase Ink Business Cash Card
  • check_box_outline_blankcheck_boxChase Ink Business Unlimited Card
  • check_box_outline_blankcheck_boxCostco Anywhere Visa Business Card by Citi
  • check_box_outline_blankcheck_boxTD Business Solutions Credit Card
  • check_box_outline_blankcheck_boxTruist Business Cash Rewards Credit Card
  • check_box_outline_blankcheck_boxU.S. Bank Business Leverage Visa Signature Card
  • check_box_outline_blankcheck_boxU.S. Bank Triple Cash Rewards Visa Business Card

Compare

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How to use the business credit card rewards calculator


The inputs: The “Monthly Spend” amount is the only required input to generate a list of results. Expanding the “Spend Categories” menu lets you tailor the results even further by entering your monthly credit card spending amounts in seven key categories (Cell Phones, Dining, Gas, Office Supplies, Travel, and “Other”). We strongly urge you to do so, since a lot of cards pay elevated rewards rates on purchases in certain categories which can affect how much cash back you’ll really earn. “Filter Results” lets you hand-pick the cards you see.

The math: When you tap in how much you spend per month for each of the spending categories, we apply each provider's rewards rate for that spend type to calculate the “Cash Back Per Year” amount. To ensure the most accurate results, we factor in rewards program spending category bonus rates, rewards spending caps and default rewards rates, when applicable. If a card charges an annual fee, that amount is backed out of the total annual rewards figure.

The extras: Clicking “Apply Now” will take you to that credit card’s application page. But before that, you might want to take a gander at our homework. Click “Dayana’s Take” for a high-level overview of each card’s reward program and our likes and dislikes.

Note: The results include all of the rewards cards in our database, listed in descending order of the amount each card is expected to pay out annually based on the spending inputs. (See “Methodology” below for more.)

emoji_events See our top picks

Check out our guide to Best Cashback Business Credit Cards to see which cards wowed our analysts.

How do you calculate the reward rate for credit cards?

Not all credit card rewards are created equal. Points or percentage cash back earned can vary from card to card depending on each loyalty program's rules. But a few mathematical shortcuts make it easy to calculate and compare reward rates.

Calculating cashback credit card rewards

Cashback credit cards that pay a percentage of each purchase back to you are the easiest reward rates to calculate.

To convert a 1.5%, 3%, or 5% cashback rate into dollar terms, divide the cashback percentage number by 100. For example, a card that pays 1.5% cash back on all qualifying purchases has a rewards rate of $0.015 (1.5 divided by 1000) per $1 spent. A card offering 3% cash back pays you $0.03 for each dollar you spend; 5% nets you $0.05, and so on.

The above math works for a card that offers the same rewards rate for all purchases. But there are other reward structures that aren’t as straightforward and require a bit of reverse engineering to calculate.

Here’s how to calculate the rewards rate per $1 spent on cards with different bonus tiers or caps on how much you can earn: Divide the total amount you earned in rewards by the amount you spent to earn it.

  • Rewards rate example of a card with bonus spending categories: Let’s say you use a card that offers elevated cashback rates on travel (3%) and gas (2%) and 1.5% on everything else. During the month you spend $400 on a plane ticket (earning $12 in rewards), $100 on gas ($2) and $500 on other stuff ($7.50). Your total rewards rate — $21.50 divided by the $1,000 you spent — is $0.0215 per dollar. Multiply that by 100 and you’ve got your cashback rewards rate percentage: 2.15%.
  • Rewards rate example of a card with spending caps: YYou spend $1,000 treating your staff to a celebratory dinner at a local fine dining establishment. You use a rewards card that offers 5% cash back on restaurant spending up to $500 a quarter, and 1% cash back on amounts above that. Your total rewards payout is $30 — $25 for the portion of your tab that qualified for the 5% bonus rate and $5 cash back for the amount that exceeded the spending cap. Your total rewards rate comes to 3% ($30 divided by $1,000 = $0.03 back per $1 spent.).

Calculating points-based credit card rewards

To figure out the reward rate on a credit card that rewards you points on your spending, you need to know 1) how many points you get per $1 spent and 2) the cost of the item your points can buy.

Here’s the math: divide the value of the reward (what it would cost to purchase the item outright) by the number of points required to redeem it to calculate the point value.

  • Rewards rate example for credit card points: If you earn 1 point for every dollar you spend, and it takes 50,000 points to cover a $500 plane ticket, each point is worth one cent, which equals a 1% rewards rate.

Calculating the rewards rate on a points-based credit card gets tricky quickly depending on a card’s setup and your redemption options. Cards may award the same number of points on all purchases (e.g., one point for each $1 spent), or have a category-based points system (e.g., four points for each dollar spent at hotels, three points for airfare, two for gas, etc.). Check your rewards card agreement for details. Similarly, points can be worth different amounts based on what you redeem them for.

The goal is to redeem points for the highest-value reward, which may require putting in some elbow grease to manage your options. But if points math makes your head spin, a straight-up cashback credit card is a straightforward — and still highly rewarding — option to consider.

credit_card All things credit cards

Explore investor.com's full coverage of credit cards, including in-depth, expert reviews of popular cards and head-to-head comparisons of the cards that will give you the best cashback rewards, based on your actual spending.

Methodology

The results of the investor.com Credit Card Business Rewards Calculator are based on the monthly spending amounts you enter and the annual dollar value of the rewards each credit card program pays per $1 spent. Credit card companies often express this payout amount as a percentage (e.g., 1.5% of every dollar spent) or on a points basis (e.g. ,1.5 points for every dollar spent). We converted all of them to a dollar amount (“Cash Back Per Year”) to make comparing offers easier.

To calculate the amount of cash back you could earn per year, we factored in:

  • Tiered rewards rates: Some business cards pay a flat cashback rate on all purchases. Others pay higher cashback rates on purchases that fall under specific spending categories. The investor.com algorithm incorporates each issuer’s unique reward’s program to determine the “Cash Back Per Year” tally.
  • Spend category inputs: Based on the rewards cards in our database, cell phones, dining, gas, office supplies, travel and "other" are the categories most often used by business credit cards that feature tiered rewards programs. We encourage you to customize the monthly spend inputs for the most accurate results.
  • Monthly spend: The default dollar amounts for each spend category in the Business Credit Card Calculator are based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Click the arrow on the “Spend Categories” to customize the monthly spend inputs and find the business card with the highest payout rate for your small-business spending.
  • Rewards spending caps: Some cards impose category- or time-based limits (monthly, quarterly, annually) that affect the amount of rewards you can earn. For example, a card may pay 3% cash back on office supplies on up to $1,000 of spending each quarter, then revert to the base/default rewards rate until the following quarter. We accounted for bonus spending caps and timeframe in the calculations.
  • Default rewards rates: Purchases that exceed a spending cap are usually subject to a lower default rewards rate (e.g., 1% or 1.5%). We mathed that out too.
  • Annual fees: If a rewards card charges an annual fee, we deducted that amount from the “Cash Back Per Year” total to provide a true accounting of a card’s annual rewards payout.

What’s not included in the “Cash Back Per Year” total is the cash value of any sign-up/introductory bonus. We highlight any Welcome Bonus separately. While sign-up bonuses can be the most lucrative part of getting a new cashback rewards credit card, not everyone will want or be able to do what it takes to earn the extra cash. (It usually requires spending a certain amount in a specified time period after the card is activated.)

About the results

The investor.com Business Credit Card Calculator relies on your actual spending patterns to identify which rewards programs are most worth your while. The results are listed in descending order based on the annual dollar value of the rewards — “Cash Back Per Year” — each credit card program pays based on your calculator inputs.

To ensure the most accurate results, we factor in rewards program spending category bonus rates, rewards spending caps and default rewards rates, when applicable. If a card charges an annual fee, that amount is backed out of the total annual rewards figure. (See Methodology above for more details.)

All of the business rewards cards in our database are included in the results so you can compare the good, the bad and the meh. (Click “View More” to see the full list of credit cards. And please email us if there’s a card you want to see in the list.)

Here’s more on the calculator inputs:

  • “Monthly Spend” amount: This the only required input to generate a list of results. The default amounts we use in the calculator is based on average small-business spending data from the U.S. Bureau of Labor Statistics and other sources. Changing the dollar amount will update the “Cash Back Per Year” figures for all cards.
  • “Spend Categories” inputs: Expanding the “Spend Categories” menu lets you tailor the results even further by entering your monthly credit card spending amounts in six key business card categories (Cell Phones, Dining, Gas, Office Supplies, Travel, and “Other”). We strongly urge you to do so, since a lot of cards pay elevated rewards rates on purchases in certain categories which can affect how much cash back you’ll really earn.
  • “Filter Results”: This feature allows you to choose which credit cards to include in the results list.
  • Our research: Clicking “Apply Now” will take you to that credit card’s application page. But before that, you might want to take a gander at our homework. Click “Dayana’s Take” for a high-level overview of each card’s reward program and our likes and dislikes.

Drop us a line: We regularly add new cards to our database. Let us know if there’s a credit card rewards program you’d like to see included by emailing us.

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About the Editorial Team

investor.com
investor.com

Investor.com is your trustworthy guide to the world of personal finance. Founded in 2018 as an unbiased resource empowering consumers to research and compare financial advisory firms, investor.com today gives consumers the tools to make smart money decisions about credit, investing, retirement planning, and more.

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