The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
Full guide to Visa SavingsEdge cash-back deals for business cards
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
February 27, 2022 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.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.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Related stories
Quick summary
Visa SavingsEdge is a free program offering statement credits to eligible business cardholders when shopping at select merchants.
The program features two types of offers: automatic Everyday Offers and limited-time Activate Offers, both providing savings as credits on future statements.
Enrollment requires providing card details to confirm eligibility, and multiple business cards can be added to one account.
Savings can be combined with other rewards programs and shopping portals, potentially increasing overall value.
What to consider
Not all business cards are eligible, and there is no comprehensive list, so eligibility must be checked individually.
Some Everyday Offers have annual or lifetime limits and may only be valid for a limited time, so reviewing terms before large purchases is important.
Statement credits may post quickly but can sometimes take longer to appear.
What you'll miss from the article
A detailed walkthrough of maximizing savings by stacking Visa SavingsEdge with other loyalty programs and shopping portals.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
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.
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.
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. (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.
(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 (see rates and fees) are also eligible.
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.
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.
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).
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.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
