Credit cards
Is it worth getting a business credit card for rewards/cashback?
Rewards help only if you pay in full—otherwise interest wipes them out.
Business credit cards can separate expenses, build business credit, and earn rewards that aren’t taxable income—but they only pay off if you avoid interest and late fees.
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.
Stop Guessing. Start Growing.
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