When it comes to running an indie author business, every dollar counts. Between Facebook ads, travel for events, and software subscriptions, those costs add up fast. But here’s a little secret—if you’re not leveraging credit card rewards, you could be leaving money (or points!) on the table. While most of us think of credit card points as something we use for vacations or splurging, they can actually become a strategic part of your business toolkit. Here’s how to unlock those perks.
1. Earn While You Advertise
A huge part of most indie authors’ budgets goes to advertising—whether on Facebook, Amazon, or BookBub. If you’re going to spend hundreds (or more) every month, why not channel those ad costs through a rewards-heavy credit card? Many cards offer points for every dollar spent, and when you’re talking business-scale ad budgets, the rewards accumulate quickly.
For example, certain cards give you bonus points on advertising, which could translate into free flights or cashback. If you’re already putting $1,000+ into ads, those rewards can seriously offset your personal or business travel costs.
2. Offset Event Costs with Travel Perks
Attending book fairs, conferences, or writing retreats? Travel for these events can add up fast. Credit cards that offer travel rewards allow you to double-dip by earning points on flights, hotels, and car rentals that you’re already paying for. Not to mention the added bonuses of lounge access, priority boarding, or even free companion tickets—making those work trips a little less stressful and a lot more comfortable.
Some cards even allow you to redeem points for flights or upgrades. So, instead of stressing about that $500 plane ticket to your next book signing, you could be flying business class, sipping complimentary beverages, all thanks to the points you’ve earned from regular business expenses.
3. Maximize Your Office Setup with Cashback
Maybe your travel’s minimal, but you’re sinking funds into home office essentials, from computers and printers to that fancy ergonomic chair (we’ve all been there). Some credit cards offer cashback instead of points, allowing you to earn a percentage back on these purchases.
For authors who prefer to reinvest that cashback into their business (or treat themselves to a celebratory coffee for hitting 5,000 words), this is a great way to cover some of those overhead costs without dipping into your bank account.
4. Card Perks Aren’t Just for Big Spenders
You don’t need to have a massive business budget to make the most of your credit card perks. Some cards come with a modest annual fee but offer huge benefits in return, like free checked bags, global entry reimbursement, or discounts on software subscriptions. It might take some shopping around, but with a little research, you can find a card tailored to your spending habits that helps you offset common author expenses.
5. Use Points to Treat Yourself—or Your Team
Whether you’re an indie author flying solo or have a small team, credit card rewards can also be a way to thank yourself (or others) for all the hard work. Points can be used for gift cards, nice dinners, or even hotel stays for your next “working retreat.” Plus, if you’re working with a VA or marketing team, it doesn’t hurt to offer a little perk from the points you’ve earned.
6. Bonus: Stay Organized for Tax Time
A nice side effect of running your business expenses through a credit card is that your end-of-year tax prep gets easier. Most credit cards provide detailed reports on your spending, breaking things down into categories that can align with your tax deductions. Advertising, travel, office supplies—they’re all right there in your statement, just waiting to be categorized for your accountant (or your favorite tax software).
Final Thoughts: Choosing the Right Card
There’s no one-size-fits-all answer here, and not all cards are created equal. Some cards are better suited for heavy travelers, while others might be more beneficial for those who spend more on everyday business expenses. When choosing a card, look at the rewards structure and weigh it against how you typically spend. Does the card give you bonus points on flights? Cashback on office supplies? Maybe it has a hefty sign-up bonus that’ll help cover a big business purchase, like a new laptop for your writing studio.
The bottom line: if you’re not already funneling your indie business expenses through a card that rewards you, it’s time to start. Every point, mile, or dollar of cashback could help you save on the day-to-day or make your next trip to that writing conference a bit more luxurious (or at least a bit cheaper).
