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Ace Rewards Business Visa Review: A Comprehensive Look at This Hardware Store Card
What Is the Ace Rewards Business Visa?
The Ace Rewards Business Visa is a specialized credit card designed for business owners who frequently shop at Ace Hardware stores. This rewards card offers unique benefits tailored to the needs of businesses that regularly purchase hardware, tools, and other supplies. As a Visa card, it's widely accepted and can be used for purchases beyond just Ace Hardware stores.
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Ace Rewards Business Visa Pros & Cons
Pros:
- Earn rewards points on all purchases, with higher rates at Ace Hardware
- No annual fee
- Integrates with popular digital wallets like Apple Pay, Google Pay, and Samsung Pay
- Special financing options on large purchases
- Exclusive cardholder discounts and promotions
Cons:
- Higher APR compared to some other business credit cards
- Limited redemption options for rewards points
- Best benefits are tied to Ace Hardware purchases
- May not be ideal for businesses that don't frequently shop at Ace Hardware
Who Is the Ace Rewards Business Visa For?
The Ace Rewards Business Visa is ideally suited for:
- Small business owners and contractors who frequently purchase hardware and tools
- Property managers responsible for maintenance and repairs
- DIY enthusiasts who run home improvement businesses
- Landscaping companies that need regular access to outdoor equipment and supplies
- Any business that values the convenience of a credit card with rewards specific to hardware purchases
This card is particularly beneficial for those who already shop at Ace Hardware regularly and want to maximize their rewards on these purchases. However, it's important to note that while the card offers general Visa benefits, its most attractive features are tied to Ace Hardware transactions.
Comparing the Ace Rewards Business Visa With Other Credit Cards
When considering the Ace Rewards Business Visa, it's helpful to compare it with other popular options in the business credit card category:
Capital One Venture X Business (rates & fees):
- Annual fee: $395
- Sign-up bonus: Substantial miles bonus after meeting spending requirements
- Key rewards: 10X miles on hotels and rental cars, and 5X on flights and vacation rentals booked through Capital One Travel
- Standout feature: 10,000 bonus miles each account anniversary
Ink Business Preferred® Credit Card:
- Annual fee: $95
- Sign-up bonus: Large points bonus after meeting spending requirements
- Key rewards: 3X points on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines on the first $150,000 spent
- Standout feature: Cell phone protection when you pay your monthly cell phone bill with your card
The Business Platinum Card® from American Express (rates & fees):
- Annual fee: $695
- Welcome offer: Substantial points bonus after meeting spending requirements
- Key rewards: 5X points on flights and prepaid hotels booked through Amex Travel, 1.5X points on eligible purchases of $5,000 or more
- Standout feature: Access to over 1,400 airport lounges worldwide
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Ace Rewards Business Visa excels in offering unique benefits tailored to the needs of businesses
- Capital One Venture X Business offers high travel rewards
- Ink Business Preferred® provides strong points on business-related categories
- The Business Platinum Card® from American Express features premium travel perks
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Consider Using Kudos
While the Ace Rewards Business Visa can be beneficial for frequent Ace Hardware shoppers, it's worth considering a more versatile solution like Kudos. Kudos is a free AI-powered browser extension that helps you maximize your credit card rewards across various online stores, not just a single retailer.
With Kudos, you can:
- Get personalized credit card recommendations for each purchase
- Earn rewards at over 15,000 stores
- Multiply your rewards up to 5X during exclusive "Flash Boost" events
- Discover new cards that align with your spending habits
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Ace Rewards Business Visa can be a valuable tool for businesses that frequently shop at Ace Hardware. Its rewards structure and lack of annual fee make it an attractive option for those who can maximize its benefits. However, for businesses with diverse spending needs or those who don't regularly shop at Ace Hardware, a more general business credit card or a versatile tool like Kudos might be a better fit.
Consider your business's spending patterns and whether the card's benefits align with your needs. If Ace Hardware is a significant part of your regular expenses, this card could provide substantial value. If not, explore other options that offer more flexibility in earning and redeeming rewards.
[[ SINGLE_CARD * {"id": "22", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Business Owners", "headerHint" : "Hardware Tools" } ]]
Ace Rewards Business Visa FAQ
How do I contact customer service for the Ace Rewards Business Visa?
You can contact customer service through the number provided on the back of your card or by visiting the Ace Hardware website for account assistance.
Can I use my Ace Rewards Business Visa with digital wallets?
Yes, the card is compatible with popular digital wallets including Apple Pay, Google Pay, and Samsung Pay.
Is there an annual fee for the Ace Rewards Business Visa?
No, there is no annual fee for this card.
How do I earn points with the Ace Rewards Business Visa?
You earn points on all purchases, with higher rates for transactions made at Ace Hardware stores.
Can I use the Ace Rewards Business Visa in other countries?
As a Visa card, it's widely accepted internationally. However, foreign transaction fees may apply.
How can I check my account information?
You can access your account information online through the Ace Hardware website or by contacting customer service.
Are there any special financing options available?
Yes, the card often offers special financing on large purchases. Check with Ace Hardware for current promotions.
Remember, while the Ace Rewards Business Visa can be beneficial for specific business needs, tools like Kudos can help you maximize rewards across a broader range of purchases. Consider your options carefully to find the best fit for your business spending habits.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
