Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Earniva® Business Mastercard Review: Is This Cashback Card Right for Your Business?
As a business owner, finding the right credit card that aligns with your needs while offering valuable rewards can be challenging, especially if you don't have perfect credit. The Earniva® Business Mastercard aims to fill this gap by providing a straightforward cashback program with flexible approval requirements. In this detailed review, we'll examine whether this card deserves a spot in your business wallet.
What Is the Earniva® Business Mastercard?
The Earniva® Business Mastercard is a non-prime credit solution designed specifically for sole proprietors, gig workers, and contractors who may not qualify for traditional business credit cards. This co-branded credit card offers a consistent 1.5% cashback rewards structure on all purchases, making it an attractive option for business owners seeking predictable returns on their spending.
Earniva® Business Mastercard Pros & Cons
Pros:
- Unlimited 1.5% cashback rewards on every purchase
- Monthly crediting of earned cashback rewards
- Soft credit pull for initial application
- Reports to all three major credit bureaus
- Quick 60-second application response
- Accessible to business owners without perfect credit
- Widely accepted at over 40 million locations
Cons:
- High annual fee of $125
- Steep regular APR of 35.90%
- 1% foreign transaction fee
- No introductory APR offers
- No balance transfer options
- Higher-than-average late payment fees
Who Is the Earniva® Business Mastercard For?
This card is particularly well-suited for:
- Small business owners and entrepreneurs with less-than-perfect credit
- Gig economy workers seeking to build business credit
- Contractors who want a dedicated business credit card
- Business owners who prefer straightforward rewards programs
- Merchants looking to separate personal and business expenses
The card's instant credit decision process and flexible credit requirements make it an attractive option for businesses that might not qualify for traditional credit cards. The promotional periods and payment plans available can help manage cash flow, while the customer engagement features support business growth.
Comparing the Earniva® Business Mastercard with Other Credit Cards
When evaluating business credit cards, it's essential to consider how the Earniva® Business Mastercard stacks up against competitors. While its 1.5% cashback rate is competitive, other cards in the industry might offer higher rewards for specific spending categories or more attractive promotional periods.
The card's private label credit card features and non-prime credit solution positioning make it unique in the market. However, the high APR and annual fee might make other business cards more attractive for those who qualify for them.
Consider Using Kudos
To maximize your rewards from the Earniva® Business Mastercard and other credit cards, consider downloading Kudos, a free AI-powered browser extension. Kudos helps you optimize your credit card rewards by automatically recommending the best card to use for each purchase. With integration across more than 15,000 stores and exclusive Flash Boost events that can multiply your rewards up to 5X, Kudos can significantly enhance your earning potential.
Currently, new users can get $20 back after their first eligible purchase by signing up with code "GET20" and making a purchase at a Boost merchant. This offer pairs well with your Earniva® Business Mastercard rewards program, potentially increasing your overall cashback earnings.
Our Expert Takeaway
The Earniva® Business Mastercard serves a specific niche in the credit card market, catering to business owners who might face challenges qualifying for traditional business credit cards. While the high APR and annual fee are notable drawbacks, the card's straightforward cashback program and accessibility make it a viable option for building business credit while earning rewards.
Earniva® Business Mastercard FAQ
What credit score do I need for the Earniva® Business Mastercard?
While perfect credit isn't required, applicants should have a fair credit score or better. The soft pull initial application means you can check eligibility without impacting your credit score.
How does the cashback rewards program work?
Cardholders earn unlimited 1.5% cashback on all purchases, with rewards credited to the account monthly.
Are there any spending limits on rewards?
No, the 1.5% cashback applies to all purchases without category restrictions or spending caps.
How quickly can I get approved?
The application process typically provides a response within 60 seconds or less.
Does this card help build business credit?
Yes, the card reports to all three major credit bureaus, helping build your business credit profile with responsible use.
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.
