{"id":44138,"date":"2026-01-26T13:11:41","date_gmt":"2026-01-26T13:11:41","guid":{"rendered":"https:\/\/www.karmanow.com\/the-blog\/?p=44138"},"modified":"2026-01-26T13:18:52","modified_gmt":"2026-01-26T13:18:52","slug":"is-earning-credit-card-rewards-with-melio-worth-it","status":"publish","type":"post","link":"https:\/\/www.karmanow.com\/the-blog\/promotional\/is-earning-credit-card-rewards-with-melio-worth-it","title":{"rendered":"Is Earning Credit Card Rewards with Melio Worth It?"},"content":{"rendered":"\t\t
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Is Earning Credit Card Rewards with Melio Worth It?\n<\/a><\/h2>\t\t\t\t<\/div>\n\t\t
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Published JANUARY 26, 2026\n\n\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
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IN PARTNERSHIP WITH melio\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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What if your monthly rent, contractor bills, and supplier invoices could fund your next vacation? For most business owners, vendor payments\u2014often the largest expenses on the books\u2014earn zero rewards because vendors only accept ACH, checks, or wire payments.<\/span><\/p>

Melio changes that. This B2B payments platform lets you pay any vendor with your credit card, even if they don’t accept cards. You pay Melio with your card, and Melio sends payment to your vendor in their preferred format (ACH, check, or wire). They never know the difference.<\/span><\/p>

But Melio charges 2.9% for card payments. Is it worth it?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n

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The Math: When It Makes Sense<\/a><\/h2>\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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The break-even point:<\/b> Your card needs to deliver close to a 2.9% return for the math to work purely on rewards.<\/span><\/p>

A 2% cashback card means you’re paying an effective 0.9% premium. But consider what you’re getting:<\/span><\/p>