Business Credit Card for Utilities?

[HingleMcCringleberry]

Are there any business credit cards that give at least 3% back on utilities?

[spiritcraft1]

Not sure about cash back but we rack up a lot of points with our Wyndham Business card.  They are valued the highest among hotel chains and you get 5 points per dollar.  For us, they come in very handy as there are Wyndham hotels of all stripes even in rural areas where we can't use Hilton or Marriott.  Not CB but a good value.

[northway]

Huntington Voice Business card offers 4% on that and other categories. But it's geo-restricted unless you have accounts with them already.

[HingleMcCringleberry]

Would it be unwise to open a personal credit card like elan max cash preferred just to use it for business utilities? I don't know if I can get a high limit if I try that.

[SouthJamaica]

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@HingleMcCringleberry wrote:

Would it be unwise to open a personal credit card like elan max cash preferred just to use it for business utilities? I don't know if I can get a high limit if I try that.

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IMHO it would be unwise, for several reasons.

1. The balance would report to your personal credit.

2. Mixing business and personal creates various legal, accounting, and bookkeeping issues.

[Kasuito39]

Yap comingling funds could give Uncle Sam and others a field day if audited or sued. Keep business and personal credit usage separate at all times. 

[HingleMcCringleberry]

Anyone have thoughts on this card? Is it geo restricted?

https://www.firstcitizens.com/small-business/credit-financing/credit-cards/cash-rewards

*Edit: Looks like it is and I don't live anywhere near a branch

[CBetc]

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@spiritcraft1 wrote:

Not sure about cash back but we rack up a lot of points with our Wyndham Business card.  They are valued the highest among hotel chains and you get 5 points per dollar.  For us, they come in very handy as there are Wyndham hotels of all stripes even in rural areas where we can't use Hilton or Marriott.  Not CB but a good value.

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I have a Wyndham Business Earner card I use pretty much exclusively for utilities and telecom, and it's great for that. Not only does Wyndham provide great value, but they also transfer 1:1 to Caesars Entertainment, and occasionally have 2.5:1 redemption to United MileagePlus.

[HingleMcCringleberry]

Unfortunately, I am not interested in that card because I don't stay at hotels and that's the only thing it is good for. If only the other banks listed here operated in NY...

[Citylights18]

The Chase Business Unlimited while only 1.5 points per dollar is worth 2.0 ccp so its essentially a 3% cash back if you'll use the points with travel partners.

Utilities however usually charge fees for credit card payment which negates the advantages of point earning. Unless the utillies are in the hundreds of dollars.