Best business credit cards for bodyworks clinics

Managing the finances of your bodyworks clinic should be simple. The best business credit cards for bodyworks clinics offer benefits that make your operations more efficient and increase profitability.

What are the best business credit cards for bodyworks clinics?

Here are the top five business credit cards to help your bodyworks clinic manage expenses:

Ramp Business Credit Card

Ramp offers a business credit card and additional financial services, providing unparalleled expense management for bodyworks clinics.

• Automated expense management: Automate expense reporting with real-time tracking and automatic categorization to streamline bookkeeping, saving you time and helping you avoid the hidden costs of manual expense management.
• Spending controls: Set custom spend limits and approvals to effectively manage clinic expenses, ensuring fiscal responsibility.
• No fees: Enjoy no annual fees, foreign transaction fees, or interest charges, maximizing your savings.
• Cashback: Earn cashback on purchases to increase your clinic's profitability.
• Accounting integration: Seamlessly connect with popular accounting software for effortless financial reporting.
• Real-time insights: Access detailed analytics through real-time expense management to monitor spending and identify savings opportunities, empowering informed decisions.
  ‍

With Ramp, you can consolidate multiple financial tools into one platform, allowing you to focus entirely on your clients and growing your clinic.

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card provides a simple cash back structure.

• Earn unlimited 2% cash back on all purchases.
• No annual fee.
• Up to $600 protection against damage or theft when you pay your phone bill with the card.
• 0% intro APR on purchases for 15 months.
  ‍

However, some users have reported challenges with customer service responsiveness while others have brought up the 3% fee on international transactions as a possible drawback.

American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card offers cashback rewards with some limitations.

• Earn 2% on eligible purchases up to $50,000 per year, then 1% thereafter.
• No annual fee.
• Ability to spend above your credit limit with amounts due in full each month.
• 0% intro APR on purchases for 12 months.
  ‍

However, rewards decrease after reaching the annual spending cap, which may affect businesses with higher spending needs. Some users have mentioned that the card comes with a rather low limit compared to other cards.

Capital One Spark Cash Plus

The Capital One Spark Cash Plus offers unlimited cash back with some considerations.

• Earn unlimited 2% cash back on all purchases.
• Receive a $200 cash bonus each year you spend $200,000 or more.
• No preset spending limit.
• No foreign transaction fees.
  ‍

However, some users have reported that the card is not the best choice for businesses as they adjust credit limits month to month.

Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Credit Card provides rewards in certain business categories.

• Earn 3X points on the first $150,000 spent on travel, shipping, internet, cable, phone services, and advertising each year.
• Earn a substantial bonus after meeting spending requirements.
• Points can be redeemed for travel or cash back.
• Cell phone protection
  ‍

However, the $95 annual fee and category restrictions may be limiting for some businesses. 

At Ramp, transparency and integrity are core values guiding our content. We believe in the exceptional value of our products, which may shape our perspective. Our methodical approach involves competitor analysis, comparison of credit cards, and frequent reviews to maintain reliability. Review our full methodology for choosing the best business credit cards.

How to choose the best credit card for bodyworks clinics

When choosing a credit card that will meet the needs of your bodyworks clinic, ask yourself:

What are the primary expenses unique to our bodyworks clinic?

Understanding specific costs like specialized therapeutic equipment, training certifications, or wellness products can help you select a card that offers the best rewards in these categories.
‍

Assess the unique expenses of your clinic:

• Identify primary costs like medical supplies, office equipment, utilities, advertising, and marketing.
• Consider large, regular expenses such as rent, insurance premiums, and subscriptions for practice management software.
• Account for significant expenses like new equipment or technology upgrades.

Will the annual fee provide value to our clinic and do we need a card with a low introductory APR for upcoming expenses?

Calculate whether the benefits and rewards exceed the cost of the annual fee based on your clinic's spending habits. SImilarly, If you plan to finance large equipment or renovation costs, a card with a 0% introductory APR can save on interest.
‍

Interest rates and fees impact your bottom line:

• Decide if a card with an annual fee offers benefits that outweigh the cost.
• Look for cards with 0% introductory APR periods if you plan on making large purchases.
• Compare ongoing APRs, especially if you might carry a balance.

Which rewards align with our spending patterns?

If your clinic spends heavily on advertising to attract new clients or on continuous education for staff, select a card that maximizes rewards in these areas.

• Choose cards offering high rewards where you spend most.
• If expenses span various categories, a card with consistent cash back may be beneficial.
• Look for benefits like purchase protection, extended warranties, and travel insurance.

Benefits such as purchase protection for costly equipment or insurance for business travel can add significant value.

Do we require a high credit limit for bulk supply purchases?

A higher credit limit can accommodate large inventory orders or sudden expenses without disrupting cash flow.

‍

Ensure the card aligns with your financial needs:

• Verify that the card offers a suitable credit line.
• Some cards provide no preset spending limits.
• Look for cards offering additional employee cards with spending controls.

Does the card offer integration with our clinic's accounting systems and how responsive is the customer service in case of urgent issues?

Seamless integration can streamline financial tracking and reduce administrative workload. Quick and effective support can be crucial during unforeseen problems like fraudulent charges or card loss.

‍

Reliable support is crucial for smooth operations:

• Opt for cards that integrate with your accounting software.
• Features like real-time purchase alerts and automatic expense categorization save time.
• Consider the quality and accessibility of customer service.

Manage your clinic's finances effectively with Ramp

Choosing the right business credit card can improve your clinic's financial efficiency and support growth. By selecting a card that fits your needs, you can manage expenses better, earn rewards, and focus on providing exceptional care to your clients. Take control of your financial future and consider requesting a demo or signing up with Ramp today.