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Choosing the best credit card for your lawn care business depends on several factors, including how much you spend on gas and other supplies each month. Each of the cards listed below can save your business money each month if you use them responsibly. Thanks to cash back credit cards, you can save quite a bit of money on gas, mower maintenance, and other expenses so long as you pay the bill off each month.
And quite often banks also offer a sign up bonus to encourage you to apply for their credit card. These bonus offers can be as high as $1000, especially for business credit cards. Again, as long as you pay off your bill each month so that you aren’t charged interest on purchases, these bonuses are free money that can go a long way towards buying lawn mowers, edgers, trimmers, blowers, or any other lawn care equipment that you need to start or grow your business.
Business credit cards offer more features than typical consumer credit cards. They have tools that make it easy to categorize your analyze your spending. This allows you to quickly see where your money is going and make adjustments if necessary. You can also get cards for your employees to use and set individual spending limits for greater control.
Here’s some popular credit cards perfect for small lawn care and landscaping businesses that offer sign up and cash back rewards:
Chase Ink Business Preferred Credit Card
This card offers a generous sign-up bonus, flexible reward points, and travel benefits. It’s a great fit for a any size lawn mowing business. The current offer: get $1000 cash back after spending $8000 within 3 months of opening the account. If you’re going to buy a new mower anyway, purchase it using this card and get $1000 for free! This card also includes purchase protection insurance. This benefit covers your new purchases for 120 days against damage or theft up to $10,000.
Capital One Spark Cash for Business
This card offers a straightforward cash back program with a high flat-rate cash back on all purchases. It’s a good choice for lawn care businesses that prefer simplicity and want to earn cash back rewards. I use this card myself and the 2% cash back really adds up.
Discover it Business Card
This card provides cash back rewards, and it has no annual fee. It also offers bonus cash back in categories commonly used by lawn care businesses, such as at gas stations.
Be Smart with Credit Cards
Remember to carefully review the terms and conditions, interest rates, fees, and rewards structure of each card before making a decision. Additionally, consider your business’s spending patterns, preferences, and any specific benefits that align with your needs. And definitely pay off your credit card each month, if at all possible, to lower fees and maximize the usefulness of these cards.