At a glance
Annual Fee
$95
Rewards Rate
4x advertising · 3x software · 1x other
Welcome Bonus
100,000 points after $8,000 in 3 months
Intro APR
0% for 12 months
Regular APR
19.49% – 26.49% Variable
Recommended Credit
Excellent
Pros & cons
Pros
- Quadruple points on online advertising
- Free employee cards
- Quickbooks & Xero integrations
- Built-in expense management
Cons
- $95 annual fee
- Bonus categories favor digital businesses
Who it's best for
SaaS, ecommerce, and agency operators with significant ad and software spend.
How we rated this card
The BW Business Pro earned a 4.6 / 5.0 from BW editors. We weight rewards value (40%), fees (20%), APR & terms (20%), and cardholder benefits (20%). Our reviews are independent — issuers don't pay for ratings or placements.