CEO of Farmgirl Flowers, Christina Stembel , had never held a credit card when she started her flower company, but decided to try a cash-back card when she started her business. By using the Capital One Spark Cash for Business and earning 2% back on all her purchases, she’s yielded huge earnings that she’s re-invested back into her business. This is a great example of how cash-back credit cards can add up to huge value, not just for individuals but for businesses as well. For Farmgirl Flowers CEO Christina Stembel, cash-back credit cards haven’t always been a part of everyday life. But, after starting her business, she found them to be a game-changer. As she told CNBC’s Anna Hecht , putting the millions of dollars she spends on her business each year on a cash-back credit card yielded her some big returns, and allowed her to turn business expenses into cash. But before starting her business, she’d never had a credit card. “I had to get my first credit cards in my husband’s name,” Stembel told CNBC. She opened a Capital One Spark Cash for Business , which earns 2% on all purchases, and started using it for her expenses. And she’s gotten big returns: $133,000 in cash back last year alone. Stembel says that she uses the money to get through lean times, re-invest in her business, and, as Fortune’s Jen Wieczner reports , to pay herself. While many think about cash-back credit cards as good options for personal use, Stembel has proved that they’re quite useful for businesses, too. After all, the routine, the large purchases a company the size of Farmgirl Flowers makes can churn out some impressive rewards. For businesses, that’s valuable capital to re-invest. And, for first-time credit card users like Stembel once was, […]

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