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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 Supplies
Here’s a preview of the best credit cards for office supplies. The cards on this list come from different bank-issuers, giving you several options if you already have a relationship with one of these banks.
- Ink Business Cash® Credit Card
- American Express Blue Business Cash™ Card
- Amazon Business Prime American Express Card
- Capital One Spark business credit cards
- The Blue Business® Plus Credit Card from American Express
- United℠ Business Card
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Related article: The Best Small Business Credit Cards for Travel Rewards
Ink Business Cash Credit Card
The Chase Ink Business Cash® Credit Card earns 5% back (on the first $25,000 in combined spending) at office supply stores and on internet, cable, and phone services. You also earn 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 has a $0 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.
Additionally, cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards® portal. Fraud protection is also included with the card, as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card.
One reason why you may not try 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.” Chase will most likely decline your application if you have added at least five new credit cards (personal or business) in the most recent 24 months, though there may be a few exceptions.
New Ink Business Cash® Credit Card cardholders can earn $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening. This is the best offer ever on this card!
You can read more in our Ink Business Cash Credit Card review.
American Express Blue Business Cash Card
The American Express Blue Business Cash™ Card lets you earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
There is no need to activate anything or categorize it, making it easy to use.
You can also take advantage of buying above your credit limit (you’ll get cash back on those purchases as well). Remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
New American Express Blue Business Cash™ Card cardholders can earn a $250 statement credit after making $3,000 in purchases on their Card in the first 3 months.
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 has no annual fee (See Rates & Fees).
Amazon Business Prime American Express Card
The information for the Amazon Business Prime American Express Card and the Amazon Business American Express Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
It’s no secret that Amazon has changed how 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 of 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.
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 an 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.
These cards have a $0 introductory annual fee, then $95 for each card renewal. No annual fee versions are available, although you only earn 1.5x back.
The 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 for the remainder of the year.
No annual fee (See Rates & Fees) and double points make the Blue Business Plus a handy card.
Cardholders can also enjoy more flexibility to use their card for more purchases and rewards when buying above their credit limit. The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
New The Blue Business® Plus Credit Card from American Express cardholders can earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases on the Card within their first 3 months of Card Membership.
Another valuable redemption option is the 1:1 point transfers to airline partners like Delta SkyMiles, British Airways Avios, and JetBlue, among others.
United Business Card
The United℠ Business Card can be an excellent option if you are a business owner who flies United several times a year.
New United℠ Business Card cardholders can earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months their account is open. Plus, enjoy a $0 introductory annual fee for the first year, then $99.
United℠ Business Card cardholders earn:
- 2x miles per $1 spent on United® purchases
- 2x miles per $1 spent on dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting
- 1x mile per $1 spent on all other purchases
Additionally, get a $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year. This is one of the best United credit cards.
Also, cardholders can receive a 5,000-mile “better together” bonus each anniversary when they have both the United℠ Business Card and a personal Chase United® credit card.
There are no foreign transaction fees.
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.
Bank of America Business Advantage Customized Cash Rewards Mastercard Credit Card
Loyal Bank of America members might benefit the most from the Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card.
Cardholders earn 3% cash back in the category of your choice, 2% cash back on dining purchases, and unlimited 1% cash back on all other purchases. You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
One of six categories includes office supplies. Every non-bonus purchase earns 1% back.
The Business Advantage Card earns its keep if you’re a Preferred Rewards for Business Platinum Honors tier member or have a business checking account with Bank of America—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.
New cardholders can get a $300 statement credit online bonus after making at least $3,000 in net purchases in the first 90 days of account opening – with no annual fee and cash rewards don’t expire.
Learn more: Business Credit Cards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard
The information for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Earning 3% cash back at office supply stores is possible with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, a no annual fee card (See Rates & Fees).
Cardholders can earn 3% cash back on select eligible purchases at:
- Gas stations and EV charging stations
- Office supply stores
- Cell phone service providers
Additionally, earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center.
Cardholders earn 1% cash back on all other eligible net purchases.
New U.S. Bank Business Triple Cash Rewards World Elite Mastercard® cardholders can earn $500 in cash back after spending $4,500 on the Account Owner’s card in the first 150 days of account opening.
Additionally, cardholders can enjoy an annual $100 statement credit for recurring software subscription expenses. Such expenses include FreshBooks or QuickBooks.
Another perk of this card is the ability to pay over time. Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
There are no limits on how much total cash back can be earned. Additionally, rewards won’t expire. Learn more in our U.S. Bank Business Triple Cash Rewards World Elite Mastercard review.
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. 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.
- The Best American Airlines Business Credit Cards
- What Are The Best Business Credit Cards For Airline Miles?
- 7 Best Credit Cards For Self-Employed Professionals
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.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
- 1 Best Business Credit Cards for Office Supplies
- 2 Ink Business Cash Credit Card
- 3 American Express Blue Business Cash Card
- 4 Amazon Business Prime American Express Card
- 5 Capital One Spark Business Credit Cards
- 6 The Blue Business Plus Credit Card from American Express
- 7 United Business Card
- 8 Bank of America Business Advantage Customized Cash Rewards Mastercard Credit Card
- 9 U.S. Bank Business Triple Cash Rewards World Elite Mastercard
- 10 Conclusion