Newburyport Bank Mastercard® Business Cash Preferred
The Newburyport Bank Mastercard® Business Cash Preferred from Newburyport 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 Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred reward caps and conditions?
The Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred?
The Newburyport Bank Mastercard 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.
Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred have an annual fee, and what's the welcome bonus?
The Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred?
The Newburyport Bank Mastercard Business Cash Preferred includes $100 Annual software credit, Car Rental Insurance, Global emergency services 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
- Car Rental InsuranceIncluded with Standard Mastercard
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard® Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Instacart BusinessIncluded with Standard Mastercard
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
- Intuit® QuickBooks® Online and QuickBooks Online PayrollIncluded with Standard Mastercard
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
- Intuit® TurboTax®Included with Standard Mastercard
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
- LuminaryIncluded with Standard Mastercard
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
Common questions about the Newburyport Bank Mastercard Business Cash Preferred
Does the Newburyport Bank Mastercard Business Cash Preferred have an annual fee?
The Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred?
Dining is the strongest Madeen category for the Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred charge foreign transaction fees?
The Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred welcome bonus?
The Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred?
Madeen's catalog lists a typical credit range of Good to Excellent for the Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred?
Rewards on the Newburyport Bank Mastercard 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 Newburyport Bank Mastercard Business Cash Preferred compare to similar cards?
Compare the Newburyport Bank Mastercard Business Cash Preferred against Newburyport Bank Mastercard Everyday Rewards+ (4% on Dining, $0 fee); Newburyport Bank Mastercard Reserve Rewards+ Card (2% on Dining, $390 fee); Newburyport Bank Mastercard 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 |
|---|---|---|---|
Newburyport Bank Mastercard Business Cash Preferred This card | Dining | 3% | $0 |
Newburyport Bank | Dining | 4% | $0 |
Newburyport Bank | Dining | 2% | $390 |
Newburyport Bank | Other | 5% | $0 |
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