3x points on shipping, online advertising, internet, cable and phone services, plus a 90,000-point welcome bonus. For businesses that spend in those categories, nothing earns more.
The bottom line
The Forge Business Rewards Card is our top business card for companies that advertise online or ship products. If your spending is spread evenly, the no-fee Atlas Business Unlimited is simpler.
Forge Business Rewards Card
- Annual fee:$95
- Rewards rate:1x–3x points
- Intro offer:90,000 points
- Regular APR:21.24%–26.24% Variable
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Pros and cons
- 3x points in common business categories
- 90,000-point bonus
- Free employee cards
- Cell phone protection
- $95 annual fee
- Bonus needs $8,000 spend in 3 months
Detailed review
Forge targets the expenses that grow with a modern business. You earn 3 points per dollar on shipping, online and social media advertising, and internet, cable and phone services, on up to $150,000 in combined purchases each year.
The 90,000-point bonus is worth $900 in cash or more when transferred to travel partners, which easily covers the $95 annual fee for years.
Forge Business Rewards: the basics
- Card type: Business rewards
- Annual fee: $95
- Sign-up bonus: 90,000 points after you spend $8,000 in the first 3 months
- Interest rate: 21.24%–26.24% Variable APR
- Employee cards: Free
Ongoing rewards
- 3 points per $1 on shipping, advertising, internet, cable and phone, up to $150,000 a year
- 1 point per $1 on everything else
How much is a point worth?
Points are worth 1 cent each as cash back and up to 1.25 cents for travel booked through Forge. Transfers to airline and hotel partners can be worth even more.
Ledgerly tip
Put recurring ad spend and software subscriptions on this card. They earn 3x automatically, and you will meet the bonus spend faster.
Benefits and perks
- Cell phone protection up to $1,000 per claim for you and your employees.
- Free employee cards with spending controls.
- Trip cancellation insurance on business travel.
Drawbacks and considerations
Annual fee. $95 a year, though the bonus covers it many times over.
High bonus threshold. $8,000 in three months may be out of reach for very small businesses.
Compare to other cards
-
Atlas Business Unlimited Card
$750 bonus cash
- Annual fee:$0
- Rewards rate:1.5% cash back
- Intro offer:$750 bonus
- Regular APR:18.49%–24.49% Variable
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Northwind Voyager Preferred Card
75,000 bonus points
- Annual fee:$95
- Rewards rate:1x–5x points
- Intro offer:75,000 points
- Regular APR:20.24%–27.24% Variable
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Meridian Travel Elite Card
100,000 bonus miles
- Annual fee:$395
- Rewards rate:2x–10x miles
- Intro offer:100,000 miles
- Regular APR:21.24%–28.24% Variable
- Credit score:720–850 (Excellent)
Rates & fees apply. Offer terms set by the issuer.
Is it right for you?
If your business spends heavily on advertising, shipping or telecom, the Forge Business Rewards Card earns more than any other business card we track.
3x points on shipping, advertising, internet and phone services, up to $150,000 a year, for a $95 annual fee.
Rates & fees apply. Offer terms set by the issuer.
Frequently asked questions
Which advertising counts for 3x?
Online and social media ads, plus search engine advertising.
Can I transfer points to my personal account?
Yes, to an eligible Forge personal card.
Is there a foreign transaction fee?
No.