A reward card for roofers can be fruitful since it can help them earn points and miles for their purchases and traveling. So, if you can get your hands on the best ones, it can help your business in many ways. 

But before you move on to choose the best one; there are a few things you need to know about. We will cover the things you need to be aware of when choosing the best reward cards for roofers. Let's go over the factors to consider when choosing a business card with good rewards.

Factors to Consider When Pick a Reward Card for Roofers

As a roofer, you might want to have a credit line to avoid going towards liquidity problems. It will help you access sufficient funds when you need them the most. However, when selecting any credit card, rewards should not be the only thing you need to look at. 

There are various other factors you should consider to make the right choice. Let's go over some of the crucial ones so you can compare the different credit card options and make a sound decision to choose the best one. 

Annual Percentage Rate (APR)

The annual percentage rate is a vital factor when selecting any credit card. APR is the rate of interest that the card issuer will charge for the amount. So, before you sign up for the credit card, make sure to go through the rates that these cards are charging. 

Few credit cards give you an APR of 0% for the first period. You can use it to your advantage to make any heavy transactions since you won't have to pay an interest rate on it. So, choose a card that offers the best APR for your roofing business.

Annual Charges or Fees

Roofers also need to look at the annual fees and the charges that the businesses have to pay for taking the credit card. 

Usually, credit card issuers waive off any joining fees if you have a good credit score. But before you go on and choose a credit card, you should discuss with the bank regarding fees.

Moreover, there can be other charges that the bank can take from you, such as maintenance fees, late payment surcharges, foreign transaction fees, etc. These might be minimal, but they can add up to become a huge amount your company has to bear. Therefore, ask if there are any additional charges.

Rewards for Utility Bills

The main thing many roofing businesses have to deal with is the utility bills for their office premises. These are charges which you have to incur each month. So, if you can pay these bills through your credit cards and earn rewards through them, it can be great for your business. 

Ideal Reward Card for Roofers

With so many options available for credit cards, you might think about which one is best for your roofing company. So to help you narrow down your search, we will let you know about the ideal reward cards for your business and their benefits. You can choose anyone as per your preference or business need. 

Plum Card from American Express

The Plum Card from American Express is the best option for contractors looking for flexibility. You have the option to pay the balance within two months, so you don't incur any interest on it. Let's go over the vital benefits you can get from this card. 


  • There is no annual fee for this card for the first year, and the fees after that are only $250 per annum 
  • You can have flexible payment terms with no interest rate if you pay your balance within 60 days 
  • Enjoy an unlimited cashback of 1.5% if you clear your balance within ten days
  • The bank gives you a cashback of $500 if you make a transaction worth $15,000 within the first 90 days

Lowe’s Business Rewards Card 

Roofers often need new tools and equipment from time to time. Therefore, the best card they can get for this purpose is the Lowe’s Business Rewards Card from American Express. It opens you up to various discounts and sales on different tools and items. In a nutshell, it can be ideal for your roofing business. 


  • There are no annual fees or charges for the Lowe’s Business Rewards Card 
  • You can also enjoy the 5% on the items you purchase from the Lowe’s store 
  • Enjoy a cashback of $100 upon your approval 
  • Get a chance to be eligible for discounts on bulk purchasing and much more from Lowe’s store

Capital One Spark Miles for Business

Roofers are always on the run, traveling from one area to another to provide exceptional services. Traveling great distances means you can incur great costs for gas and fuel. That is where the Capital One Spark Miles for Business can help you earn great rewards when fueling up your vehicle. 


  • There is no annual fee for this card for the first year, and the fees after that are only $95 per annum 
  • You can get a one-time bonus of $50,000 after utilizing the cards for transactions worth $4,500 within the first 90 days
  • Enjoy five times more points when staying at a hotel or going on a trip with a rental car

Wrapping Up

These credit cards can help roofers provide top-notch services to their clients through top-quality equipment and tools while earning cashback for their purchases. So, make sure you consider all the factors when choosing the best credit card for your business. 

Moreover, roofers also need to have a debit card by their side to access money in their banks easily. So, if you are wondering about the best debit card, you should choose to go for VERGO

It opens you up to many exceptional benefits and gives you features, such as invoice management, virtual project app, digital banking, and much more. All of these features streamline your business process, helping you manage your cash flow and keep your finances in order.