HarborOne Bank Visa® Business Cash Preferred
The HarborOne Bank Visa® Business Cash Preferred from HarborOne Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: $25 cash back awarded after first purchase.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the HarborOne Bank 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 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| 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 HarborOne Bank Visa Business Cash Preferred reward caps and conditions?
The HarborOne Bank Visa Business Cash Preferred has 2 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3% cash back on eligible purchases on dining including takeout and food delivery service purchases
- Earn 3% cash back on eligible purchases at gas stations ((transactions of $200 or less))
Who should get the HarborOne Bank Visa Business Cash Preferred?
The HarborOne Bank 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. The welcome bonus can help if you can meet the spend requirement.
HarborOne Bank 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 66% 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. The welcome bonus can help if you can meet the spend requirement.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the HarborOne Bank Visa Business Cash Preferred have an annual fee, and what's the welcome bonus?
The HarborOne Bank Visa Business Cash Preferred has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: $25 cash back awarded after first purchase.. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- $25 cash back awarded after first purchase.
What benefits come with the HarborOne Bank Visa Business Cash Preferred?
The HarborOne Bank Visa Business Cash Preferred includes $100 Annual software credit, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- $100 Annual software credit
Get this bonus reward applied every year to your account after 11 consecutive monthly software transactions
- Auto Rental Collision Damage WaiverIncluded with Visa Traditional
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Purchase Security and Extended ProtectionIncluded with Visa Traditional
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
- Travel and Emergency Assistance ServicesIncluded with Visa Traditional
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Common questions about the HarborOne Bank Visa Business Cash Preferred
Does the HarborOne Bank Visa Business Cash Preferred have an annual fee?
The HarborOne Bank 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 HarborOne Bank Visa Business Cash Preferred?
Dining is the strongest Madeen category for the HarborOne Bank 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the HarborOne Bank Visa Business Cash Preferred charge foreign transaction fees?
The HarborOne Bank Visa Business Cash Preferred charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the HarborOne Bank Visa Business Cash Preferred welcome bonus?
The HarborOne Bank Visa Business Cash Preferred welcome offer in our snapshot: $25 cash back awarded after first purchase.. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the HarborOne Bank Visa Business Cash Preferred?
Madeen's catalog lists a typical credit range of Good to Excellent for the HarborOne Bank Visa Business Cash Preferred. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the HarborOne Bank Visa Business Cash Preferred?
Rewards on the HarborOne Bank 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the HarborOne Bank Visa Business Cash Preferred compare to similar cards?
Compare the HarborOne Bank Visa Business Cash Preferred against HarborOne Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); HarborOne Bank Visa Reserve Rewards+ Card (2% on Dining, $390 fee); HarborOne Bank Visa Max Cash Preferred (5% on Other, $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 |
|---|---|---|---|
HarborOne Bank Visa Business Cash Preferred This card | Dining | 3% | $0 |
HarborOne Bank | Dining | 4% | $0 |
HarborOne Bank | Dining | 2% | $390 |
HarborOne Bank | Other | 5% | $0 |
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