3 Business Credit Cards That Let Business Owners Double Dip on Rewards

3 Business Credit Cards That Let Business Owners Double Dip on Rewards

3 Business Credit Cards That Let Business Owners Double Dip on Rewards

Owning a small business is all about maximizing revenue while minimizing expenses. Having a good small business card helps you organize your company’s finances, but it can also help you to reduce your expenses by earning valuable rewards from your spending. In addition, some credit cards offer you multiple ways to perform some credit card reward stacking which some people refer to as double dipping.

Here are three business cards that allow you to double-dip on rewards:

Ink Business Preferred® Credit Card

This card offers many different ways for business owners to save money and enjoy their rewards. New applicants New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. They also Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. — including travel, shipping purchases, Internet, cable and advertising — on the first $150,000 spent each year, and unlimited one point per dollar earned elsewhere.

Points are awarded in Chase’s Ultimate Rewards program and they can be redeemed for about one cent each towards cash back, merchandise and gift cards. Alternatively, points are worth 1.25 cents each towards travel reservations made at Chase’s Ultimate Rewards. Better yet, you can transfer your points to miles with seven different airlines and rewards four different hotel programs.

When you use your miles for expensive last-minute flights or reservations business or first class, it’s possible to receive several cents in value per point used. This card is part of the Visa payment network, so you can utilize all of the savings available from the Visa SavingsEdge program.

Business owners have access to the Ink app that allows them to download receipts and create reports based on their purchases and tags. There is a $95 annual fee for this card, and no foreign transaction fees.

All information about the Ink Business Preferred® Credit Card has been collected independently by Nav. This card is not currently available through Nav. To see what business credit cards are available, please visit Nav’s credit card page.

The American Express Blue Business Cash™ Card

This card offers amazing rates of cash back on your frequent business purchases, and you can double dip by saving money with its OPEN Savings program. You earn 5% cash back at U.S. office supply stores and on wireless telephone services. You also earn 3% cash back on the category of your choice of one of eight categories including airfare, gas stations, restaurants, advertising and shipping, along with 1% cash back on other purchases. The 3% and 5% cash back apply to the first $50,000 in purchases per year—after you spend $50,000, you’ll earn 1% thereafter. In addition, you can use the American Express OPEN Savings program to save 5% when making purchases from FedEx, Hertz, HP and 1-800Flowers.com. (Editor’s Note: American Express is a Nav partner, but this doesn’t result in preferential editorial treatment.)

Business benefits include the ReceiptMatch program that allows you to add receipts, tags and notes to your transactions either via desktop or your mobile device. There is a $0 annual fee for this card. One of the most compelling features of the The American Express Blue Business Cash™ Card is the introductory interest rate, which is 0% on purchases for 12 months from date of account opening.

Citi® / AAdvantage Business™ World Elite Mastercard®

This business credit card offers you the chance to earn both miles with American Airlines and savings with the MasterCard EasySavings program. Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.. Earn 1 AAdvantage® mile per $1 spent on other purchases. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.. Travel benefits include priority boarding, a free checked bag, and a chance to earn a companion certificate when you spend $30,000 on your card each year.

In addition, you can use the MasterCard EasySavings program to automatically receive discounts on many of your major purchases. For example, travelers can save 5% with Avis, Budget, and 5% at over 6,000 participating hotels at the time of this writing.

Business benefits include quarterly and annual account summaries that can be broken down by employees, spending category and amount. The annual fee is $99, waived for first 12 months, and the foreign transaction fee is 0%.

Nav offers an easy way to view your approval odds on business credit cards before you apply. Nav leverages a business owner’s credit and financial data to the lender’s underwriting requirements to generate an eligibility score. Sign up with Nav to learn more about your best options and to access your personal and business credit scores.

The credit card offers that appear on this site are from credit card companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit offers. All images and trademarks are the property of their respective owners.
For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.
FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. Nav uses educational credit scores to determine which credit card offers are recommended. However, credit score alone does not guarantee or imply approval for any credit card offer.

This article was originally written on October 25, 2016 and updated on June 27, 2024.

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