Running a business is tough, but it’s even more challengingtougher to handle business finance. Times can be lean when a companybusiness might not have enough instant cash to pay vendors, suppliers, or even clients. Therefore, leaning on the best home builder credit cards can give your business some breathing room. I You’re probably aware that iIn the construction business, the need for cash can instantly spring up from time to time, and you must have a safety net.

When talking about finances in the construction industry, most businesses are running tight, especially smaller ones. A client may require payment, a vendor may seek remuneration, or a supplier may demand timely invoice clearance. When talking about finances in the construction industry, most businesses are running tight, especially smaller ones. Let’s start off by discussing what the best credit cards with cash-back facilities mean for home builders. Then, we will hop onto the best cash-back card for home builders.

What Does a Cash-back card for home builders Mean?

A cash-back card for home builders means that for every qualifying purchase that the company makes, the Vergo card it will receive a certain percentage of the payment back for every qualifying purchase that the company makes. For instance, if a credit card for your home builder company offers a 5% cash-back facility, you will receive $5 on every $100 of a qualifying purchase.

Since home builders tend to make large payments, cash-back ratios are relatively low compared to individual consumer levels. Considering everyday spending and frequent payments, you can imagine the rewards accumulating that will accumulate over time. So, a cash-back card for home builders is a huge deal.

On the other hand, cash-back isn’t the only reward that you will get out of most credit cards/cash-back cards for home builder companies. Most credit card companies that offer cash-back rewards to cardholders also offer signup bonuses and other types of bonuses as well.

For instance, you may get an instant additional top-up in your credit card statement for spending a certain amount through the credit card. Let’s check out the best cash-back cards for home builders below.

Top Cash-Back Cards for Home Builders

Here’re our top picks of cash-back cards for home builders. Nearly all of them are highly rated and used widely in the construction industry today.

Vergo Cash-Back Card

The cash-back card from Vergo is among the best options for home builders and associated companies. The cash-back card doesn’t impose an annual fee or subscription. With cutting-edge technology and a modern banking app for home builders and renovators, the company designs the finest cards for easy transactions.

It’s important to keep your business’s finances crystal clear and for that, you must make sure that you’re using the right cash-back card. Vergo Cash-Back Card allows you to earn cash-back points. You can redeem these points however you feel is best for your home builder company.

Home builders can benefit from various rewards and easy-to-use features using the banking app and cash-back card by Vergo. There’s also no minimum balance requirement to ensure smooth and efficient operations. So, make sure you check out this option for easy business purchases and great rewards.

American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is widely used in the construction industry today. It offers no-fuss and hassle-free rewards to all cardholders, whether it’s a small group of business owners or a large corporate firm.

The rewards come without the need for an annual fee or subscriptions. If your home builders’ company spends over $50,000 per year and keeps frequently spending, consider this card as one of the best choices to earn cash-back rewards.

You will get nearly 2% cash back on all qualifying purchases. In most cases, that totals to $50,000 per calendar. From then on, you will receive 1% cash back when using the credit card for spending on behalf of your home builder company.

If you open an account, take out a credit card, and make purchases of over $3,000 within the first three months, you will get $250 as a statement credit.

Wells Fargo Business Elite Signature Card

The Wells Fargo Business Elite Signature Card is among the most popular credit card choices for earning cash-back rewards. While the company holds its reputation highly in the finance industry, the cash-back rewards through the card are further evidence of the company’s financial prowess.

If your business earns over a million dollars in annual sales, the said cash-back card for home builders is the right choice. It comes with various perks but involves a minor $125 annual fee. However, the first year’s annual fee can be waived if you discuss it with professionals at the company.

As a cardholder, you will earn 1.5% cash back per dollar you spend. Or, you can also earn one point per dollar spent. Similarly, if you top the monthly billing amount over $10,000, you will receive 5,000 bonus points.

The welcome bonus involves a $1,000 cash-back reward or 100,000 bonus point reward for spending $25,000 or more within the first three months after opening an account with the company and taking out the said card.

Ink Business Cash® Credit Card

This card comes with an array of opportunities to earn cash-back rewards and more. In fact, the Ink Business Cash® Credit Card has high reward caps. With no annual fee, there’s no need to break even by earning cash-back rewards forcefully. The card is good for all businesses that have expenditures related to most typical departments. 

Regardless of no annual fee, the company offers a $750 cash back reward for spending $7,500 or more within the first three months of opening an account and taking out a card. It’s a form of welcome bonus as well.

On the other hand, you will receive 5% cash back if you spend $25,000 or more on specific purchases such as those at supply stores, cable, phone services, and internet. You will receive a 2% cash back reward for spending the same amount at restaurants and gas stations combined. Both cash back rewards apply on the anniversary year of the account. Furthermore, you will earn a 1% cash back reward on all qualifying purchases. 


Trying to figure out how you can save money and keep the operations consistent is connected to your finances. For instance, if you know how much your business needs to pay versus how much it needs to receive over a short time, you can plan your operations accordingly. Paying vendors and suppliers may not be that difficult. A cash-back card for home builders allows you to return a small percentage of your payment to your business.

Since home builders are constantly paying for raw material, workers, and other services, cash-back cards allow them to earn returns on their frequent payments. Furthermore, cash-back cards also encourage home builders to make timely payments so they can gain a return on their payments as well.