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Do you cringe each time you need to buy new office supplies? Using one of these business credit cards for your next supply run lets you earn the most reward, which can hopefully help you look forward to these necessary expenses. Plus, you’ll be able to maximize other business purchases as well. And the best news is that many of the best business credit cards for office supply stores don’t charge an annual fee.

Best Business Credit Cards for Office Supply Stores
Best Business Credit Cards for Office Supply StorePhoto by Lukas from Pexels

Best Business Credit Cards for Office Supplies

1. Ink Business Cash Credit Card

The Chase Ink Business Cash℠ Credit Card gives you 5% back on the first $25,000 in combined spend at office supply stores and on internet, cable and phone services. You also get 2% back on the first $25,000 in combined spending at gas stations and restaurants. All non-bonus spending earns an unlimited 1% back.

This Chase business credit card option doesn’t charge an annual fee so it can be the perfect business credit card for office supply stores, even if you use another business credit card for your daily spending. Your points are worth one cent each and redeemable for cash, travel, and gift cards.

One reason why you may not apply for this card is if you have too many recent credit card openings. All of the Chase Ink Business credit cards fall under the “5/24 rule.” If you have added at least 5 new credit cards -personal or business – in the most recent 24 months, Chase will most likely decline your application, though there may be a few exceptions.

2. American Express Blue Business Cash Card

The SimplyCash Plus Business Credit Card from American Express, now the American Express Blue Business Cash™ Card, lets you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. The cash back is credited directly to your statement. There is no need to activate anything or categorize, making it pretty easy to use.

Plus, if you’re a new cardholder, you can earn up to $300 back to boost your business. You’ll earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign, or FedEx after you make an eligible purchase on your card within the first 3 months of account opening.

You can also take advantage of the ability to buy above your credit limit (you’ll get cash back on those purchases as well). While the amount you’re allowed to spend isn’t unlimited, you can adjust it. It will adjust based on how you use your card, your payment history, credit history, and other factors that American Express is aware of.

So that means you get 2% on eligible purchases at U.S. office supply stores, phone services, airfare, hotel rooms, rental cars, advertising purchases, shipping, computer-related purchases, etc. This card doesn’t have an annual fee (See Rates & Fees), which makes it another great option for easily earning the highest rewards on office supply purchases.

3. Amazon Business Prime American Express Card

It’s no secret that Amazon has changed the way many of us shop. You might use Amazon to avoid the potentially higher prices that office supply stores charge you. The Amazon Business Prime American Express Card gives you 5% back or 90 days interest-free terms on every Amazon Business, AWS, Amazon.com, and Whole Food Market purchase.

You also get 2% back at U.S. gas stations, U.S. restaurants, and wireless service providers purchased directly with U.S. service providers. Non-bonus spending earns an unlimited 1% back.

This small business credit card requires an Amazon Prime or Business Prime membership, but you get a $125 Amazon.com Gift Card upon approval and you don’t pay an annual fee.

Non-Prime members can earn 3% back (instead of 5% back) with the Amazon Business American Express Card.

4. Capital One Spark Business Credit Cards

The information for the Capital One® Spark® Cash for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

If you prefer earning flat-rate rewards – regardless of the purchase category – the Capital One Spark business credit cards let you earn 2% on every purchase.  You will need to decide if you want cash rewards or travel rewards.

The Capital One® Spark® Cash for Business earns unlimited 2% back in cash rewards.

The Capital One® Spark® Miles for Business earns 2 miles for every $1 spent. Miles are redeemable for travel statement credits, upcoming travel, and transferrable to select airline loyalty programs. Capital One also provides a fee credit for Global Entry or TSA PreCheck.

Both of these cards have a $0 introductory annual fee then $95 each card renewal. No annual fee versions are available, although you only earn 1.5x back.

The information for the Capital One® Spark® Miles for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

5. Blue Business Plus Credit Card from American Express

Most travel rewards cards don’t offer bonus points for office supply store purchases. An exception is The Blue Business® Plus Credit Card from American Express. You earn 2x Membership Rewards points for the first $50,000 in business spending annually on everyday business purchases. Spending over $50,000 earns 1 point per dollar spent.

No annual fee (See Rates & Fees) and double points make the Blue Business Plus a handy pairing to the American Express Business Platinum Card or Business Gold Card which only award 1x Membership Rewards at office supply stores. You can get an air travel redemption bonus when redeeming your points with either the Platinum or Business Gold Card.

Plus, new cardholders can earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign, or FedEx after you make an eligible purchase on your new card within the first 3 months of account opening.

Another valuable redemption option is the 1:1 point transfers to airline partners like Delta SkyMiles, British Airways Avios, and JetBlue among others.

6. United Business Card

The United℠ Business Card provides 2x miles per $1 spent at office supply stores, restaurants and eligible delivery services, local transit and commuting (including rideshares), and gas stations. United Airlines purchases also earn 2x miles per $1 spent. Everything else earns 1x mile per $1.

Cardholders also get a $100 United travel credit after 7 United flight purchases of $100 or more each card anniversary year. If you have the United Business Card and the personal United Card, you will get 5,000 bonus miles each card anniversary.

New cardholders also have the chance to earn 60,000 after making qualifying purchases.

Award flights start at 12,500 miles for most one-way bookings within the continental U.S. and Canada. Other United air travel benefits include the first free checked bag for you and one companion, two United Club one-time passes, and Premier upgrades. If you fly United and can use these benefits, this is a great way to use the best credit cards to earn travel miles while getting bonus points from your business spending.

7. Bank of America Business Advantage Cash Rewards

Loyal Bank of America members might benefit the most from the Bank of America® Business Advantage Cash Rewards Mastercard® credit card.

First off, you can get 3% back on one of six categories, including office supplies. The other categories are gas stations, travel, TV/telecom and wireless services, computer services, and business consulting services. You also earn 2% back on dining. The bonus applies to the first $50,000 in combined annual spending for the six categories and dining. Every non-bonus purchase earns 1% back.

Where the Business Advantage Card earns its keep is if you’re a Preferred Rewards for Business Platinum Honors tier member. You get 75% more back. This means you can earn 5.25% on office supply runs, 3.5% for dining, and 1.75% on everything else.

The Business Advantage Card is another business credit card with no annual fee. Qualifying for the Preferred Rewards bonus makes this the highest-earning rewards card for office supply stores.

Learn more: Business Credit Cards

Summing Up the Best Business Credit Cards for Office Supplies

WIth some of the best credit cards for office supplies, you can earn up to 5 points per $1 on every office supply store purchase. In most cases, your rewards are redeemable for cash, although a few cards let you book award travel too. As most don’t pay an annual fee, you may decide to use the card just for office supply runs and any additional bonus categories.

For rates and fees of the American Express Blue Business Cash Card, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

Josh Patoka
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