January 30 2025
WalletHub recently published an interview with Jay Zagorsky, Clinical Associate Professor of Markets, Public Policy, and Law, analyzing the best business rewards credit cards for small business owners, highlighting opportunities to earn thousands of dollars annually in cash back, miles, or points.
Zagorsky discussed whether small and medium-sized businesses should use rewards credit cards, noting that many struggle with cash flow and fail—about one-third within three years and two-thirds within a decade, according to U.S. government data. He warned that most business rewards cards require owners’ personal guarantees, meaning a business failure could impact personal finances.
“If you are one of the small number of business owners who always have sufficient cash on hand to pay your business credit card’s balance off each month, then a rewards business credit card can make sense” Zagorsky added.
Otherwise, he advises using cash, checks, or wire transfers for payments to avoid financial risk.
Best Business Credit Cards with Rewards [February 2025] | WalletHub
Business credit cards with rewards for travel & cash back. $500+ initial rewards bonus offers. Apply for the best business credit card with rewards.