We have a couple of cards that we use for food shopping and household purchases. I've been using Discover for business but some vendors don't accept it.

Ink and Spark have both recently sent applications but I'm wondering if anyone has and prefers a certain line of credit for business purchases and expense tracking.

I have no use for airline miles but that seems to be a popular incentive. I just want something that I can buy equipment, supplies and fuel on a regular basis that will connect with accounting software automatically and put in the expenses.

What's the go to card?

I'm using a Citi Cash Back card. 1% cash back when you buy and 1% cash back when you pay. So I get 2% there. No annual fee.

Then I use the Citi Costco card for other stuff like 4% cash back on gas, 3% on restaurants and travel, and 2% at Costco. No annual card fee, but you need the Costco membership.

Any card will do, just get one with the best reward which would be greatest % kickback and lowest fees.

Costco has a great fee program if you are a member, 4% on gas 2% on purchases at Costco, you can use it anywhere and get no fee as Steve said.

Last year got a couple hundred bucks back at the end of the cycle...

The Costco is too far away so I'm currently a Sam's Club member. I use that card at Sam's for the extra percent off using the scan and go feature.

Is there any advantage to using the cards specifically targeted toward businesses?

This message has been edited. Last edited by: mark123,

FWIW most businesses (mine included) use AMEX for pretty much everything. We put like $100k on it every month.

Only found one vendor that doesnt accept AMEX (its in Europe...more common not to accept AMEX in Europe). AMEX not super great w rewards though (unless you get one for Hilton, Delta...etc).


For rewards cards, check this out...

https://www.bankrate.com/credi...s-best-credit-cards/

Good place to review rates and offers.

JB

quote:

Originally posted by mark123:
The Costco is too far away so I'm currently a Sam's Club member. I use that card at Sam's for the extra percent off using the scan and go feature.

Is there and advantage to using the cards specifically targeted toward businesses?

Mark,
Costco has 2day groceries where you can buy all of your non-perishables and have them delivered to your door. If you spend $75.00 or more the shipping is free. Costco for me is an hour away so using their delivery service works well as it saves me time and fuel.

I'm using Chase Ink for business. Works fine.

QuickBooks won't auto import credit card transactions without a monthly subscription.

quote:

Originally posted by Aeteocles:
I'm using Chase Ink for business. Works fine.

I suppose any will work fine. Is there any advantage to using it though?

quote:

QuickBooks won't auto import credit card transactions without a monthly subscription.

Really? Even Quicken will do that. Hmmm. I guess I'm leaning toward QuickBooks online anyway.

Chase Ink Business Cash

Every expense went on there and we racked up the points. While you may not use the points for airlines, however you can also use them for hotels, Amazon spending, gift cards and Apple products. When we're on the road for work or, needed 'office supplies', we'd just draw down the accumulated amount. The cash cards would be handy for being on the road, future expense to purchase or, gift giving.

quote:

Originally posted by corsair:
Chase Ink Business Cash

Every expense went on there and we racked up the points. While you may not use the points for airlines, however you can also use them for hotels, Amazon spending, gift cards and Apple products. When we're on the road for work or, needed 'office supplies', we'd just draw down the accumulated amount. The cash cards would be handy for being on the road, future expense to purchase or, gift giving.

The points being usable for other than airline travel works for me.