4.6
/5
Key Details
APR16.99% – 24.99%
Annual Fee$150
Rewards3x on advertising & software, 2x on shipping, 1x on everything else
Welcome Bonus80,000 points after $5,000 spend in 3 months
Credit NeededGood (670+)
Intro APR0% for 12 months on purchases
Balance TransferNo
Foreign Txn FeeNone
KrediQ Analysis
The Business Accelerator Card is tailor-made for small businesses that spend heavily on digital advertising, SaaS subscriptions, and shipping. The 3x rate on advertising and software covers your Facebook/Google Ads budget, Shopify subscription, and productivity tools — expenses that add up fast. The 80,000-point welcome bonus is worth roughly $1,000 in travel or statement credits. Free employee cards with individual spending limits simplify team expense management, and the automatic quarterly expense reports integrate with most accounting software. The $150 annual fee is a business expense that pays for itself if you spend at least $500/month on the bonus categories. Purchase protection covers up to $10,000 in damaged or stolen items within 120 days.
Pros
- High rewards on business expenses
- Employee cards at no extra cost
- Quarterly expense reports
- Purchase protection up to $10K
Cons
- Annual fee
- Personal guarantee required
- Complex rewards structure
Alternatives