Is it worth getting a business credit card for rewards/cashback?
Rewards help only if you pay in full—otherwise interest wipes them out.
Many small business owners utilize business credit cards to earn rewards and track business-specific expenses. However, the benefits of rewards programs are usually weighed against potential interest rates and the impact on credit reports. Using business-specific credit is one method used to help maintain the separation of personal and business financial activities.
Use with discipline
- Charge planned business expenses and pay the statement in full every month.
- Pick rewards that match your spending (supplies, shipping, fuel).
- Track spending so a tight month doesn’t lead to a balance at 20–30% APR.
If paying in full is uncertain, skip the card or choose another funding option—interest quickly erases any cashback.
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