AVMA
Business
Mastercard®

On all purchases1

2.1%

Cash Back

Annual Fees

$0

spend Bonus2

$1,810

Value

Personal Credit4

No Impact

AmSpa World Elite Business Mastercard with contactless payment technology
AmSPA professional with tattoo poses confidently in black, holding cosmetic tool

“This card reflects AVMA’s commitment to supporting members with high-value tools that make the business side of practice more manageable—so they can stay focused on their teams, their patients, and communities they serve.”

Janet D. Donlin, DVM, CAE
Executive Vice President and Chief Executive Officer, AVMA

How we stack up against your current card

Cash back
Spend Bonus Offer
Total fees
Credit limits
Reward redemption methods
AVMA Business
Mastercard

2.1% back on every purchase with autopay.1

$1,8102

$0 Annual Fee
$0 Employee Card Fee

Up to $2,000,0003

Redeem as statement credits, or physical checks.

Capital One
Spark 2% Cash

2% back on every purchase.

$1,000 when you spend $10,000 within 3 months.

$150 (or $95) Annual Fee
$0 Employee Card Fee

No preset spend limit (shadow limit) or low initial limits.

Redeem as statement credits, physical checks, gift cards, or Capital One travel.

American Express
Platinum

1x (valued at 0.6% cash back) on all purchases.

200,000 points (valued at $1,200) if you spend $20,000 within 3 months.

$895 Annual Fee
$400 Employee Card Fee

No preset spend limit (shadow limit).

AmEx travel portal, statement credits, gift cards, and partner airlines and hotels.

Choose your card
Chase Ink®
Business Unlimited

1.5% back on every purchase.

$750 when you spend
$6,000 in 3 months.

$0 Annual Fee
$0 Employee Card Fee

Either low starting limits or a lengthy documentation process to get a higher line ($100,000 or more).

Chase Ultimate Rewards portal, gift cards, and statement credits.

Capital One
Spark 2% Cash

2% back on every purchase.

$1,000 when you spend $10,000 within 3 months.

$150 (or $95) Annual Fee
$0 Employee Card Fee

No preset spend limit (shadow limit) or low initial limits.

Redeem as statement credits, physical checks, gift cards, or Capital One travel.

Chase Ink®
Business Unlimited

1.5% back on every purchase.

$750 when you spend
$6,000 in 3 months.

$0 Annual Fee
$0 Employee Card Fee

Either low starting limits or a lengthy documentation process to get a higher line ($100,000 or more).

Chase Ultimate Rewards portal, gift cards, and statement credits.

Marriott Bonvoy Brilliant® Amex® Card

2x (valued at 1.2% cash back) on all purchases.

185,000 points (valued at $1,110) if you make $6,000 of purchases within the first 6 months.

$650 Annual Fee
No Employee Card Offering

Either low starting limits or a lengthy documentation process to get a higher line.

AmEx travel portal, hotel stays at Marriott, statement credits, gift cards, and partner airlines and hotels.

Bank of America Cash Rewards

1.5% back on all purchases.

$300 after you make $3,000 of purchases within 90 days.

$0 Annual Fee
$0 Employee Card Fee

Either low starting limits or they require a higher deposit as collateral

Statement credit, direct deposit, check, and Merrill investment account.

Let our technology drive your growth

Make the Switch

QuickBooks Online + Desktop Integration

Every time you swipe your card, transactions sync automatically to QuickBooks—saving your bookkeepers valuable time.

Multi-Clinic
Support

Owners can easily manage multiple clinics all in one place: each with its own employees, bank accounts, and statements.

SMS Receipt
Capture

Simplify your bookkeeping instantly. Snap or text a receipt, and we’ll match it to your transactions—saving your business time and money.

Unlimited Vendor +
Employee Cards

Issue unlimited virtual or physical cards, control permissions on a user and vendor level, and manage spend limits across your team.

See how much you could earn based on your monthly spending

Monthly Spending
0.021
Your business could earn up to: $210 cash back in your first year
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Additional Platform Benefits To Help You Save Money

Coming soon
AmSPA financial graph showing $1,000,000 total balance with rising annual income

Up to 3% APY5

on your liquid balance with no hidden or minimum fees.

Affiniti is a fintech company, not an FDIC-insured bank. All banking services provided through a partner bank.