Fourth Capital Visa® Business Cash Preferred
Fourth Capital and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Fourth Capital. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Fourth Capital Visa® Business Cash Preferred from Fourth Capital earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the Fourth Capital Visa Business Cash Preferred earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Fourth Capital Visa Business Cash Preferred compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Fourth Capital Visa Business Cash Preferred compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Fourth Capital Visa Business Cash Preferred reward caps and conditions?
The Fourth Capital Visa Business Cash Preferred has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases
Who should get the Fourth Capital Visa Business Cash Preferred?
The Fourth Capital Visa Business Cash Preferred fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
Fourth Capital Visa Business Cash Preferred fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the Fourth Capital Visa Business Cash Preferred have an annual fee?
The Fourth Capital Visa Business Cash Preferred has an annual fee of $0 and a foreign transaction fee of $2. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2
What benefits come with the Fourth Capital Visa Business Cash Preferred?
The Fourth Capital Visa Business Cash Preferred includes $100 Annual software credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
$100 Annual software credit
$100/yrGet this bonus reward applied every year to your account after 11 consecutive monthly software transactions
Related encyclopedia topics
Common questions about the Fourth Capital Visa Business Cash Preferred
Where do cardholders spend most with the Fourth Capital Visa Business Cash Preferred?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Fourth Capital Visa Business Cash Preferred. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Fourth Capital Visa Business Cash Preferred have an annual fee?
The Fourth Capital Visa Business Cash Preferred carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Fourth Capital Visa Business Cash Preferred?
Dining is the strongest Madeen category for the Fourth Capital Visa Business Cash Preferred at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Fourth Capital Visa Business Cash Preferred charge foreign transaction fees?
The Fourth Capital Visa Business Cash Preferred charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Fourth Capital Visa Business Cash Preferred?
Madeen's catalog lists a typical credit range of Good to Excellent for the Fourth Capital Visa Business Cash Preferred. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Fourth Capital Visa Business Cash Preferred?
Rewards on the Fourth Capital Visa Business Cash Preferred post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Fourth Capital Visa Business Cash Preferred compare to similar cards?
Compare the Fourth Capital Visa Business Cash Preferred against Fourth Capital Visa Everyday Rewards+ (4% on Dining, $0 fee); Fourth Capital Visa Reserve Rewards+ Card (2% on Dining, $390 fee); Fourth Capital Visa Business Real Rewards (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Fourth Capital Visa Business Cash Preferred This card | Dining | 3% | $0 |
Fourth Capital | Dining | 4% | $0 |
Fourth Capital | Dining | 2% | $390 |
Fourth Capital | Dining | 1.5% | $0 |
Fourth Capital | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Fourth Capital and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Fourth Capital. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure