Business cards

Check the cost of paying an invoice by card

Business cards can help organize company expenses, but eligibility, liability, reporting, and benefit rules vary.

Suppose a supplier charges 3% to pay a $1,000 invoice by card and that invoice earns 2% cash back. The fee is $30 and the reward on the invoice is $20, leaving a $10 cost before interest or other account charges. This hypothetical example assumes the fee itself earns no rewards and excludes bonuses. Confirm both the supplier’s fee and the purchase’s reward eligibility.

A payment that earns rewards still needs a place in the business’s cash-flow plan. Before opening the account, read who is responsible for repayment. A personal guarantee can make you personally liable under its terms even when the business is a separate legal entity. Business-purpose cards do not receive every consumer-card protection; the agreement and applicable rules matter. Do not assume the business name on the card settles either question.

Trade-offs to notice

• Review the agreement for liability and account protections.
• Large bonuses or rewards should not justify unnecessary spending.

A practical next step

List the business expenses you need to manage and the account features that matter before comparing rewards.

Compare a supplier's card fee with the rewards →

Before you apply

Review the current fees, interest rates, and eligibility requirements on the provider’s website. Browsing a category here does not submit an application or predict a decision.