Health insurance premiums represent a significant expense for many individuals and business owners. Whether you're covering your family or providing insurance for employees, these regular payments can amount to thousands of dollars annually. The good news? You can earn substantial rewards by using the right credit card for these payments.

Top Business Credit Cards for Health Insurance Premiums

1. Capital One Spark 2.5X

• Rewards: 2% cashback on all purchases, elevated to 2.5% on purchases of $5,000 or more
• Annual Fee: $195
• Best For: Businesses with high-value insurance premium payments
• Notable Feature: The increased rewards rate on large purchases makes this ideal for substantial premium payments

2. Capital One Venture X Business

• Rewards: Unlimited 2X miles on every purchase
• Annual Fee: $395
• Best For: Businesses seeking travel rewards
• Notable Feature: Includes premium travel benefits and airport lounge access

3. Capital One Spark Cash Plus

• Rewards: Unlimited 2% cashback on all purchases
• Annual Fee: $150
• Best For: Businesses preferring straightforward cashback
• Notable Feature: No preset spending limit, offering flexibility for large premium payments

4. American Express Blue Business Cash™ Card

• Rewards: 2% cashback on first $50,000 in annual purchases (1% afterward)
• Annual Fee: $0
• Best For: Small businesses with moderate premium expenses
• Notable Feature: No annual fee makes this an excellent option for cost-conscious businesses

5. The Blue Business® Plus Credit Card from American Express

• Rewards: 2X points on first $50,000 in annual purchases (1X afterward)
• Annual Fee: $0
• Best For: Businesses wanting flexible rewards points
• Notable Feature: Points can be transferred to various travel partners

6. Capital One Spark Miles for Business

• Rewards: 2X miles on all purchases
• Annual Fee: $95 (waived first year)
• Best For: Businesses seeking a middle-ground travel rewards card
• Notable Feature: First-year fee waiver provides immediate value

Top Personal Credit Cards for Health Insurance Premiums

7. Capital One Venture X Rewards Credit Card

• Rewards: Unlimited 2X miles on all purchases
• Annual Fee: $395
• Best For: Individual premium payers wanting premium travel benefits
• Notable Feature: Extensive travel perks and annual travel credits

8. Citi Double Cash® Card

• Rewards: Effective 2% on all purchases (1% when purchasing, 1% when paying)
• Annual Fee: $0
• Best For: Those wanting simple, no-fee cashback
• Notable Feature: Rewards can be converted to ThankYou points for additional flexibility

9. Capital One Venture Rewards Credit Card

• Rewards: Unlimited 2X miles on all purchases
• Annual Fee: $95
• Best For: Moderate spenders seeking travel rewards
• Notable Feature: Competitive rewards rate with moderate annual fee

10. Wells Fargo Active Cash Card

• Rewards: 2% cashback on all purchases
• Annual Fee: $0
• Best For: Those seeking straightforward cashback without fees
• Notable Feature: Simple, unlimited 2% cashback structure

Tips for Maximizing Your Insurance Premium Payments

1. Confirm your insurance provider accepts credit card payments without additional fees
2. Consider annual fee cards if your premium spending justifies the expense
3. Time your applications with large premium payments to help meet welcome bonus requirements
4. Check if your provider codes as healthcare for cards offering bonus rewards in that category

Remember to always pay your credit card balance in full to avoid interest charges that would negate any rewards earned. Choose a card that aligns with your spending patterns and reward preferences, whether that's cash back for immediate savings or travel rewards for future adventures.