Ace Rewards Visa Business Card

Card Details
Rewards	You’ll earn up to 5% back in “Ace Rewards dollars” when you make purchases at Ace Hardware stores. For purchases at gas stations and grocery stores, you earn around 2% back, and for everyday purchases elsewhere, around 1% back.
Signup Bonus	N/A
Annual Fee	None
Cardmember Agreement	View Here
Cash Advance APR	N/A
Cash Advance Fee	N/A
Late Payment Fee	N/A
Purchases APR	13.99% to 22.99% (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Ace Rewards Visa Business Card stands out for offering reliable cash back and store rewards geared toward small business owners who frequently shop at Ace Hardware. It has no annual fee and earns up to 3% back in Ace Rewards points on Ace purchases, plus 1% on everything else. Points can be redeemed for discounts on future Ace buys—perfect for business owners managing maintenance, repair, or inventory costs.

Most users say they appreciate the easy-to-earn rewards, strong Ace integration, and no annual fee, which makes it feel like a “set it and forget it” kind of business card. Many reviewers mentioned that redeeming rewards is simple, and that it’s handy for tracking business expenses in one place.

On the downside, some complain that rewards are limited to Ace redemptions, and the 1% back elsewhere isn’t very competitive. A few also note that the rewards expire quickly and that there’s no big signup bonus to start with.

Personally, I think this card makes sense if your business regularly shops at Ace Hardware—you’ll easily rack up savings. But if your spending is more spread out or you want more flexible rewards, a broader business cash-back card might be a smarter move.