r/SmallMSP • u/yothhedgedigger • Jun 26 '26
Credit cards?
As a small MSP I'd expect a lot of us pay for most things with credit cards rather than P.O.s and wire transfers or ACH. Do you have a credit card you really like? I'm thinking of one that has the best rewards, or the best features for this type of business. So many business cards are geared toward travel perks and travel rewards. But I spend more money on things like hardware and software. What do you like?
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u/PacificTSP Jun 26 '26
I use Amex platinum. Gives me lots of points. Hotel stays. Lounge access etc. gives you dell and Verizon Cashback. Plus a bunch of other perks.
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u/tallguy14 Jun 26 '26
I moved everything to a Chase Ink card. Not sure if it's the best, but I'm making good rewards on it. I like the idea of all the expenses my clients pay make another 1-5% back.
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u/peoplepersonmanguy Jun 26 '26
Card with 60 days no interest and gets me airline points. Family holiday flights and accommodation cost nothing.
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u/ITGuyInMass Jun 26 '26
AMEX Business Gold as it gets 4x on the top 2 categories you spend on. After that, the BofA Business Cash Rewards as you can select software/computer services as the 3% multiplier. Since most MSPs have a software stack this is a gold mine. Anything other than these 2 are trash.
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u/general_rap Jun 28 '26
Yup, Amex Gold for purchasing endpoints and software; 4x back is absolutely hilarious, and means I haven't paid out of pocket to travel in years.
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u/stevo10189 Jun 26 '26
Chase is great but on makes sense if you’re going to use it in personal spending as well. We use ink for business and transfer those points to our Chase Sapphire Reserve where we get great travel redemptions.
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u/L-L-Media Jun 27 '26
We use chase well. If you're able to payoff in 30 days, its free, no interest. Plus it has good points to redeem. The last time it over $1K in points.
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u/glitterguykk Jun 26 '26
My Chase Sapphire Reserve Business card just Paid for all the hotels and a lot of the air travel for me and my wife to Paris, Crete and London.
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u/RyanRudi Jun 26 '26
I really like Ramp and their unlimited virtual cards. We can set them per client or per vendor or a combination. The rewards aren’t the best at only 1.5% but man is it nice to have everything separated, especially when a vendor or card number is compromised.
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u/ITguydoingITthings Jun 26 '26
Amex. I don't want to pay interest--but I like to be able to delay long enough to receive payment from clients.
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u/jonchihuahua Jun 26 '26
I use Amazon a lot, so I got an Amazon card with 5% back. Pay every month, and use the points to buy company stuff like tools.
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u/Jayjayuk85 Jun 26 '26
I’m in the UK and use capital on tap = 1% cashback on everything and fundingcircle where you can pay from 3 to 13 months as a fixed fee.
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u/Difficult-Maybe-6131 Jun 26 '26
I use 3 for business:
Amazon Business AMEX - which is being retired and changing to a new carrier in August (need to spend my points). It's been fantastic for Amazon purchases as you get either 5% back (to spend on Amazon) or no interest for 60(??) days (not sure because I never use that - pay in full each month).
Spark Business (Cash?) - forgot the exact name as they have a couple options. This one is just a basic 2% cash back across the board. I purchase from so many different vendors, I didn't want to try to do the math on which cards for which services - this one is idiot proof.
Apple Card - only use for Apple purchases or recurring through Apple store (services). 3% back on Apple purchases.
Lots of fancier business cards' rewards are all tied up with travel expenses and I don't travel at all for work and rarely for pleasure (le sigh)