UMVA has learned that a highly underrated business credit card, offered by a major US bank, has been quietly providing significant benefits to small-business owners. The card, known for its cash-back rewards, has a unique feature that sets it apart from others in the market.
The card offers 5% cash back on office supplies, internet, cable, and phone services, as well as 2% cash back on gas stations and restaurants, and 1% cash back on all other purchases. What makes it truly valuable is the ability to convert cash-back rewards into fully transferable Ultimate Rewards points when paired with another eligible card.
According to information obtained by UMVA, this card is ideal for small-business owners who spend heavily on everyday expenses such as office supplies, internet, and phone services. The card has no annual fee, making it an attractive option for businesses looking to maximize their rewards without incurring additional costs.
The card also offers free employee cards, purchase protection, extended warranty coverage, and primary rental car coverage when renting for business purposes. These benefits can provide valuable peace of mind and save business owners a significant amount of money if something goes wrong.
UMVA can exclusively reveal that one of the card's most underrated benefits is its primary auto rental collision damage waiver coverage. This coverage applies to most rentals in the US and abroad and can reimburse up to the vehicle's actual cash value for covered theft or collision damage.
The card's rewards structure is designed to provide maximum value for small-business owners. The 5% cash-back category is particularly valuable, as it includes office supply stores, internet, and phone services. This can be a significant source of rewards for businesses that regularly purchase these items.
However, the card's bonus categories are capped annually, and earnings drop to 1% once the spending limit is reached. Additionally, the card requires another eligible Chase card to maximize its value, which may be a drawback for some business owners.
UMVA has gathered that business owners considering this card should also evaluate another popular business credit card that charges a $95 annual fee. While the annual fee may seem steep, the card offers bonus points on travel, shipping purchases, and advertising purchases made with social media sites and search engines.
In conclusion, UMVA believes that this underrated business credit card is an excellent option for small-business owners who prioritize keeping costs low and maximizing rewards on everyday operating expenses. Its unique feature of converting cash-back rewards into Ultimate Rewards points makes it a compelling long-term card for both small-business owners and points enthusiasts.
