Cashback or rewards business credit card

[Sterk]

I spend about 30-50k a month on Adwords and Microsoft ads and I currently use my Wise debit card for this.

The Wise card does not give any cashback or rewards on money spent, so I am looking for an alternative card.

Any suggestions on good business credit cards with rewards or cashback?

Thanks.

 

[Backyard5562]

Barclaycard Business Credit Card has 1% cashback.

 

[diablo]

Capital On Tap are worth a look too:

Apply for Business Credit Cards | Capital on Tap

The Capital on Tap business credit card is built for small businesses. Get up to £250k, rates as low as 15.22% APR, and unlimited 1% cashback.

www.capitalontap.com

Unlimited 1% cashback on all card spend
No annual, FX, or ATM fees
Free company cards with spend controls

Cards available with annual fees have additional bonuses.

 

[GreyWing]

Capital On Tap are worth a look too:

Apply for Business Credit Cards | Capital on Tap

The Capital on Tap business credit card is built for small businesses. Get up to £250k, rates as low as 15.22% APR, and unlimited 1% cashback.

www.capitalontap.com

Unlimited 1% cashback on all card spend
No annual, FX, or ATM fees
Free company cards with spend controls

Cards available with annual fees have additional bonuses.

I used to get a lot of mailings from them. I couldn't tell if they were a bit dodgy or not. For someone reason I thought they were trying to rip off the CapitalOne name, so I just dismissed them. They've been around for 8 years or so now, so if they were dodgy they'd have been outed long before now.

Have you used them yourself?

I used to do the old Amex thing, but with the amounts I spend, the fees and the falling air miles rewards. It's just not worth it anymore.

 

[diablo]

I used to get a lot of mailings from them. I couldn't tell if they were a bit dodgy or not. For someone reason I thought they were trying to rip off the CapitalOne name, so I just dismissed them. They've been around for 8 years or so now, so if they were dodgy they'd have been outed long before now.

Have you used them yourself?

I used to do the old Amex thing, but with the amounts I spend, the fees and the falling air miles rewards. It's just not worth it anymore.

Yes, have used both (have been with Amex for years out of laziness tbh). Definitely genuine.

For smaller spenders / personal use, Chase offers 1% cashback on £1,500 a month (so £15 a month max cashback).

 

[seemly]

Yes, have used both (have been with Amex for years out of laziness tbh). Definitely genuine.

For smaller spenders / personal use, Chase offers 1% cashback on £1,500 a month (so £15 a month max cashback).

I just knew you'd be the guy to provide the gems on this post. Nice one, George!

 

[rb5]

Capital on tap is in my opinion the strongest offering, having tried several (Santander (1% but 500 transaction limit), Jeeves used to be very strong but shifted to prepaid and lowered to a flat 1% across the board rather than 1/2/3% depending on where you spend, Amex depends on how you value the rewards, I've got the platinum business but at £600 a year it's fairly significant and only worth in some scenarios, capital on tap has a fairly strong rewards program). Barclaycard only gave us a £2k credit limit so definitely not worth it.

Happy to refer to any of these, some of the referral rewards can be quite good and you'd be able to take advantage of several with that spend.

 

[astutiumRob]

capital on tap has a fairly strong rewards program

Depending on your airline-of-pref and spend profile, the £99/yr upgrade to be able to earn Avios can be useful (assuming you're throwing 20k+ on the card to earn enough avios to cover the fee)

 

[rb5]

Thought I'd give people a bit of an appreciation of the referral rewards if anyone wants to take advantage (from myself or others):


capitalontap - £75 for both parties.

Amex Business Platinum Card - 55,000 points for you, 18,000 points for the other referrer.

Jeeves - £250 for you, £500 for the referrer once $10,000 in spend

Goes without saying, links above are affiliate links, but genuinely use all three (Jeeves less so, but still can be useful for giving prepaid pre funded cards to people).

 

[rb5]

NEW: Get 30,000 points with the new Capital on Tap Pro SME credit card

Capital on Tap has added a new credit card to its small business portfolio - Capital on Tap Pro. We have an exclusive offer for our readers worth 30,000 points.

www.headforpoints.com

(Site is nothing to do with me just sharing)

Get 30,000 bonus points (worth 30,000 Avios) with the NEW Capital on Tap Pro business credit card​

Beats the referral offer, for those who aren't interested in Avios, does say in the article too, 30,000 points is worth £300 in cash too.

 

[getmein]

A card like capital on tap will provide 1% cashback (but subject to tax) so you may find getting the cashback in a form not subject to tax e.g. avios, is preferable. If you're happy with the travel rewards route then amex membership points likely more useful. Amex platinum business provides 1 membership rewards point per £1 (which isn't spectacular) - but if your spend is over £10k a month then that you get a 10k point bonus (effective cashback of 2% on the first £10001). If you find avios useful (primarily for flights whereas amex points would work best for hotels and travel) then the BA accelerating business card might be an option - effective earnings rate of 2% on £60k spend. In all cases you'll need to balance using multiple cards to maximise earnings v the value of your time. If it turns into a hobby, then it stops feeling like work . I haven't got the BA business card, but happy with the service from CoT / Amex for the other cards.