Business Cash Preferred Card
A no-annual-fee cashback business card from Columbia Bank.
Columbia Bank · VISA
- Annual fee
- $0
- Purchase APR
- 17.24–26.24%variable
- Signup bonus
- $350
- Foreign transaction
- 3%
Earn Rules
| Travel | 5.00%booked directly in the Travel Center |
| Gas | 3.00% |
| Streaming | 3.00% |
| Home Improvement | 3.00% |
| Dining | 3.00% |
| All Other | 1.00% |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| $100 annual statement credit Applied every year to your account after 11 consecutive monthly software transactionsyearSource ↗ | $100/yr |
| Total credits / year we count | $100 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
Signup Bonus
$350 cash back When you spend $3,500 within the first 120 days
Value: $350 · Spend $3,500 in 4 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
- Small-business owners or freelancers with a distinct expense pool. Separating business spending from personal helps at tax time regardless of the rewards math.
Where This Came From
Wondering if this card pays off for your situation? Is the Business Cash Preferred Card worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Ink Business Unlimited® Credit Card$690 (+$224)
- TD Business Solutions Credit Card$600 (+$134)
- Signify Business Cash® Card$600 (+$134)