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Many small business credit cards offer rewards programs that allow business owners to recoup a portion of their business expenditures in the form of cash, travel rewards, merchandise, or gift cards. Reward cards can be a great value for small businesses since many have low annual fees, and some, like the Chase Ink Classic and Chase Ink Cash charge no annual fee.
Business credit card reward points can be more than just a nice perk for business owners: If you're smart about earning and redeeming your rewards, you can realize a significant savings your everyday business expenses. Here are five tips to help you make the most of your small business credit card reward points.
To take full advantage of your credit card rewards program, choose a card that rewards you for the types of purchases you make the most. If you're a frequent traveler, for example, look for a card that pays higher rewards on purchases made at gas stations, restaurants, or hotels and lets you redeem your points for airline tickets, lodging, and other travel expenses. If, on the other hand, most of your business expenses go toward local business services or office supplies, look for a card that reimburses those purchases at a higher rate.
You already know that you can use your business credit card for things like office supplies, gas for your work vehicles, and dinner with clients, but you may not have realized that you can boost your reward points by using your card to pay for utilities and other business expenses that you incur every month.
You can even use a business credit card to pay electricity, water, and heating bills to help you earn thousands of additional points every year.
In some cases, you can earn additional discounts by redeeming your reward points through your card issuer's preferred vendors. For example, the Ink Plus and Ink Bold card from Chase give cardholders a 20% discount and extra reward points on travel booked through their online travel booking tool. Before you choose a small business credit card, ask about the range of merchandise and services you'll be able to earn with your reward points, then go with the card that both offers a good fit for your needs and rewards you for redeeming your points.
There's nothing more frustrating than racking up a year's worth of reward points only to find that they've expired, or learning that your one big annual conference falls right in the middle of your program's travel blackout dates. Carefully read the offer terms and conditions before you sign up for a small business rewards card. In addition to checking the APR and annual fee, be sure to compare expiration dates, exclusions, earning limits, and other restrictions on how and when you may use your points.
Your business expenses may have helped you earn all those great reward points, but there's no rule that says you have to spend them there. Redeem your rewards for airfare, hotels, or car rentals for your next family vacation, or treat yourself to the new TV you've had your eye on or a gift card from your favorite store.
Small business owners work harder than just about anyone else, and the rewards you earn through all those hours of effort can go a long way toward helping you recharge your batteries so you're ready to come back and take on the challenges of another day.
Earn cash back, points for travel and so much more.
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