Credit Cards For Benefits

Credit Cards for Benefits –
Skip cash and bank hassles; use your credit card for quick, easy payments.

Earn Rewards –
Get cashback, travel perks, and discounts with every purchase.

Secure & Simple –
Enjoy safe, trackable, and cashless payments anytime.

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Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.

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Supply Chain Finance Made Easy – Credit Card to Any Vendor, No Hassle!

1M+

 

online business
accounts

100B+

 

transaction
value

16M+

 

checks
processed

A hands hold a smartphone displaying a black credit card, representing how to Turn Spending into Rewards conveniently.

Turn Spending into Rewards

With credit cards, every dollar spent turns into rewards—travel miles, hotel stays, shopping vouchers, and cashback. The more you spend, the more you earn, redefining the way you benefit from transactions.

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Using Credit Cards to Save Money on Business Expenses

Cash Back Rewards

Earn Cash Back: Credit cards like the Capital One Spark Card offer 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back.

Offset Fees: Using a credit card with cash back can partially offset the 2.90% process fee, reducing the effective cost.

Tax Benefits

Tax-Deductible Fees: The 2.90% process fee can be filed as a tax-deductible business expense, offering some financial relief.

Additional Tax Breaks: Depending on the jurisdiction and tax codes, you may be eligible for additional tax breaks for using credit cards for business expenses.

Cash Flow Management

Cash Float Period: Credit cards often provide a 30 to 45-day payment window, allowing businesses to manage their cash flow better.

Utilize Funds: During this period, the funds can be invested in short-term opportunities or other revenue-generating activities.

Floating Revenue from Bank

Float Revenue – Cash Incentive Earnings: The funds in your bank account for 30 to 45 days could earn Cash incentive or be invested in short-term revenue-generating activities.

Capital Utilization: The cash float period allows you to strategically utilize your capital for other pressing needs or investment opportunities.

Detailed Example: Capital One Spark Card

  1. Process Fee: 2.90%
  2. Cash Back: 2%
  3. Tax Break: 0.06%
  4. Final Fee: 0.35%
  5. Additional Benefit: 30-45 days of cash flow management and float revenue.
A smiling woman holds a phone and a black card, symbolizing the convenience to Fund Payroll with Ease and manage finances efficiently.

Fund Payroll with Ease

Use your credit card to fund payroll and pay employees on time, even when cash flow is tight. Avoid delays and keep operations running smoothly while earning rewards on every transaction.

A smiling woman holds a phone and a black card, symbolizing the convenience to Fund Payroll with Ease and manage finances efficiently.

Pay Vendors with Credit Cards

Zil Money lets you pay vendors with your credit card, even if they don’t accept them directly. Choose how your vendors receive funds—via ACH, wire transfer, or virtual card—making payments hassle-free.

Two colorful credit cards are displayed, illustrating the efficiency and security when you Pay Vendors with Credit Cards.

Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

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Access Payments on Any Device

Manage your payments from any device with Zil Money’s cross-platform support. Whether on desktop or mobile, access your account and make transactions with ease.

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Frequently asked questions

FAQ Section
How to pay someone with a credit card?
You can pay anyone with a credit card through ZilMoney.com. The platform allows you to make credit card payments by eliminating the payee charges. You can choose how the payee receives the payment: ACH, Wire transfer, or Check.
How to use credit card to transfer money?
Switch to ZilMoney.com and choose the pay by credit card feature to easily make payments. The platform allows using credit cards to send money, even to those who do not accept them. You can choose how the payee will receive it.
Where credit can be used?
By signing up with ZilMoney.com, you can use your credit card to make payments anywhere, even if it is not accepted. Pay your bills, taxes, rent, and mortgage with the Pay by Credit Card feature.
Bank Transfer vs Credit Card
Bank transfers are made by directly transferring funds from one bank account to another, a slower and less convenient process. On the other hand, credit card payments are a more secure, convenient, and faster payment mode that also helps you gain rewards. Join ZilMoney.com to make seamless credit card payments.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.