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Full guide to Visa SavingsEdge cash-back deals for business cards

Feb. 27, 2022
9 min read
woman sits on couch while using laptop
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Editor’s note: This post has been updated with new information.


If you carry a Visa business card in your wallet but haven’t enrolled in the Visa SavingsEdge program yet, you’re likely leaving money on the table. Although programs like Amex Offers, Chase Offers and BankAmeriDeals are relatively well known, Visa SavingsEdge is still relatively unknown, even to Visa business cardholders.

I first learned about Visa SavingsEdge when I found the program would give me a 5% statement credit on a Lenovo laptop purchase. To get the statement credit, I simply enrolled my Visa business card in the program before making the purchase. My statement credit for this purchase was only $38, but it introduced me to the Visa SavingsEdge program.

Here, I’ll discuss the program in detail so you too can save money when shopping with select Visa business cards.

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Visa SavingsEdge program basics

Small businesses can use the Visa SavingsEdge program to get statement credits on select purchases. (Photo by Hero Images/Getty Images)

The Visa SavingsEdge program is a free savings program for holders of select Visa business cards. There are two types of promotions: "Everyday Offers" and "Activate Offers." Although you need to activate each Activate Offer, you won't have to do anything besides use an enrolled Visa card to take advantage of Everyday Offers.

Savings will appear as credits on future account statements. The statement credit will appear as “Visa SavingsEdge Discount – [Merchant Name].” When I purchased my laptop, the statement credit posted one day after the purchase. However, in some cases it may take longer for statement credits to post.

Related: The top 7 business cash-back credit cards of 2022

How to enroll for Visa SavingsEdge

If you don’t currently have a Visa SavingsEdge account, you can enroll your first card on the Visa SavingsEdge main page. You’ll need to enter your first name, last name, email address and card number on this page. You need to enter your card number so Visa can confirm the card’s eligibility.

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(Screenshot courtesy of Visa SavingsEdge)

You’ll need to click through a link sent to your email to continue the enrollment process.

(Screenshot courtesy of Visa SavingsEdge)

Once you do so, you’ll need to create a password for the program and provide your business’s ZIP code. You can also provide your business’s name and category. Doing so will presumably allow the program to give you offers suited to your business’ needs.

(Image courtesy of Visa SavingsEdge)

On the final page, you need to select two security questions and provide answers. You’ll need to accept the program terms, conditions and privacy policy. You can also opt in for emails before clicking on the enroll button. Once you enroll, you can set a nickname for your card.

(Screenshot courtesy of Visa SavingsEdge)

To enroll additional Visa business cards, log in to your account and click on “My Account” on the top navigation bar. Then, select “Manage Cards: add, delete, update.” On this page, you can enter a new card number to check its eligibility and enroll the card if it’s eligible.

Related: Small business credit card vs. corporate credit card: Which is right for your business?

Eligible cards for the Visa SavingsEdge program

(Photo by Orli Friedman/The Points Guy)

Select Visa Business credit cards, Visa Business Platinum credit cards, Visa Business check cards, Visa Business Platinum check cards and Visa Business Signature cards are eligible for the Visa SavingsEdge program.

Unfortunately, there isn’t a complete list of eligible Visa business cards. So, you’ll want to test your Visa business cards to see if any are eligible. I found that my Chase Ink Business Preferred Credit Card and Southwest Rapid Rewards Premier Business Credit Card are eligible, as is my husband’s Chase Ink Business Cash Credit Card.

I assume the Chase Ink Business Unlimited Credit Card is also eligible. And there are multiple reports that the Alaska Airlines Visa® Business card and the Costco Anywhere Visa® Business Card by Citi are also eligible.

Related: Your guide to the Chase Ink Business credit cards

Everyday Offers

Everyday Offers can help you save on employee dining expenses. (Photo by Yuriy Golub/Shutterstock)

Everyday Offers are savings that you can expect at particular merchants when you use an enrolled Visa business card.

You don’t need to enroll in these offers, but some Everyday Offers have annual or lifetime maximums and many are only valid for a limited time. So, be sure to check the current offers and their restrictions before making a large purchase.

Here are a few examples of the available Everyday Offers at the time of writing.

  • Auto parts and fuel:
  • Chevron: 2% back on fuel purchases made at the pump.
  • AutoZone: 2% back on purchases of $50 or more.
  • Business solutions:
  • MailChimp: 5% back.
  • Microsoft Advertising: 5% back on search engine advertising campaigns.
  • Stamps.com: 3% back.
  • Plastiq: 1% back on your first $2,500 in Plastiq payments.
  • Dining and entertainment:
  • CoffeeForLess.com: 5% back.
  • Godiva: 8% back.
  • Panda Express: 2% back on purchases of $20 or more.
  • Panera Bread: 2% back on purchases of $35 or more.
  • Papa John’s: 2% back on purchases of $30 or more.
  • Electronics:
  • Boost Mobile: 3% back.
  • Travel:
  • Many Wyndham Hotels brands: 4% back.
  • Some MGM properties: 4% back.

Related: The best no-annual-fee business credit cards

Activate Offers

Activate Offers are limited-time offers that you’ll need to click to activate, operating similarly to Amex Offers. These offers change quickly, so you should activate an offer when you see it if you think you might want to use it.

(Screenshot courtesy of Visa SavingsEdge)

As you can see, these offers are typically limited to products and services specifically targeted to small businesses.

Related: 7 ways credit cards can help grow your business

Maximize your purchase

You can use the Visa SavingsEdge program to triple or even quadruple dip on your purchase. (Photo by Carlina Teteris/Getty Images)

Although the savings through the Visa SavingsEdge program aren’t particularly impressive alone, the program opens up the possibility to triple and quadruple dip on some purchases. After all, you’ll also be earning credit card points or miles on your purchase, and you may be able to click through an online shopping portal. Plus, for hotels or businesses with loyalty programs, you can also earn elite status credits.

When I bought a Lenovo laptop in December 2018, I was able to triple dip. At the time of my purchase, Lenovo was offering a 5% Everyday Offer through Visa SavingsEdge, and Ebates (now Rakuten) was giving 12% cash back on Lenovo purchases. Plus, the Ink Business Preferred earns 1 Chase Ultimate Rewards point per dollar spent on electronics. So, I earned the following rewards on my $765 purchase:

  • $92 in cash back through Ebates.
  • $38 in statement credits through Visa SavingsEdge.
  • 765 Chase Ultimate Rewards points (which TPG values at $15).

In all, I effectively saved $145 on the $765 purchase — a total discount of nearly 19%.

But even with Visa SavingsEdge earnings, you might not always want to use a Visa business card. For example, you could earn 1 Chase Ultimate Rewards points per dollar and 2% back on purchases of $35 or more at Panera Bread if you use an enrolled Ink Business Preferred.

But, if you have the American Express® Business Gold Card and U.S. purchases at restaurants is one of your 4 Membership Rewards points per dollar categories this billing cycle, you’ll likely be better off using the Amex Business Gold Card (this applies to the first $150,000 in combined eligible purchases each calendar year; then 1 point per dollar).

Related: The best cards for each business credit card category

Bottom line

The Visa SavingsEdge program provides statement credits when you use select Visa business cards at participating merchants. There’s no cost for enrolling your cards, so you might as well go ahead and register your cards.

While logged in, check to see if there are any Everyday Offers for merchants you already use. If you see any of your favorite merchants, determine whether it makes sense to switch your spending to the enrolled Visa business card for these purchases. Also be sure to check your Activate Offers and activate any that look appealing — then check back periodically to see if any other offers have appeared.

Additional reporting by Stella Shon.

Updated on 4/27/22.

Featured image by JOHNER IMAGES/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best for luxury business travel
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 3X points
3XEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1XEarn 1 point per $1 on all other purchases – with no limit to the amount you can earn

Intro offer

100,000 points
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Annual Fee

$95

Recommended Credit

670-850
Good, Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Ink Business Preferred Credit Card is an excellent all-around business credit card that offers a sizable sign-up bonus and the ability to earn valuable Ultimate Rewards points on a variety of business expenses. Those rewards can then be transferred to 10 airline and three hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through the Chase Ultimate Rewards portal. Also, you earn 3x points on the first $150,000 spent in combined purchases for travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines each account anniversary year.

Pros

  • One of the highest sign-up bonuses we’ve seen for this card — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Bonus categories that are most relevant to business owners for a reasonable $95 annual fee.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business.
  • Additional perks including extended warranty, cellphone protection and purchase protection.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • Subject to Chase's 5/24 rule on card applications.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Best for luxury business travel
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

3XEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1XEarn 1 point per $1 on all other purchases – with no limit to the amount you can earn
  • Intro Offer
    Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

    100,000 points
  • Annual Fee

    $95
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Good, Excellent

Why We Chose It

The Ink Business Preferred Credit Card is an excellent all-around business credit card that offers a sizable sign-up bonus and the ability to earn valuable Ultimate Rewards points on a variety of business expenses. Those rewards can then be transferred to 10 airline and three hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through the Chase Ultimate Rewards portal. Also, you earn 3x points on the first $150,000 spent in combined purchases for travel, shipping purchases, internet, cable and phone services and advertising purchases made with social media sites and search engines each account anniversary year.

Pros

  • One of the highest sign-up bonuses we’ve seen for this card — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening.
  • Bonus categories that are most relevant to business owners for a reasonable $95 annual fee.
  • Access to the Chase Ultimate Rewards portal for points redemption.
  • Trip cancellation/interruption insurance, trip delay reimbursement and primary car rental insurance when traveling on business.
  • Additional perks including extended warranty, cellphone protection and purchase protection.

Cons

  • High spending needed to get 100,000-point sign-up bonus.
  • Subject to Chase's 5/24 rule on card applications.
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.