Which is the best business credit card for computer and electronics purchases?

The best business card for making a computer or electronics purchase will depend on the amount of the purchase, the retailer from which you will be making the purchase, and whether you value a 0% APR period to repay your purchase. The best business card for your situation may also be a card that is offering a large welcome bonus. Using the card to make your computer purchase may help you meet the minimum spending requirements to qualify for that bonus.

How does a 0% APR period work?

Some cards offer a period of time in which you will not be charged interest on any purchases you make that are not paid off when the statement period ends. This period normally applies to purchases made within a specified period of time from the date you are approved for your card. Typically, the period can be 12, 15, or even 18 months. During that time, no interest is charged for balances carried over between statement periods. It is imperative that these purchases be paid off prior to the end of the 0% APR period, however, as normal variable interest rates will then be charged on any balance remaining. Terms and conditions may differ depending on the card.

Which is the best business credit card for a new business?

The best business credit card for a new business or startup will depend on the business’s unique mix of expenses and its priorities. To learn more about business cards that could work well for new businesses and/or startups, you’ll want to read this informative article that discusses this specific type of operation.

What credit score do I need for a business credit card?

Your personal credit will need to be strong to qualify for the best business credit cards. A credit score of 700 is generally considered the borderline for “good” credit and the lower end of what it would take to get approved. A score of 750 or better will increase your chances significantly of getting approved for the best business credit cards. Check out our complete guide to building business credit scores, as well.

The 9 Best Business Credit Cards for Computer Purchases [Hardware & Software]

Updated: December 20, 2024, 10:50am CST

Edited by:

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The Best Business Credit Cards for Computer Purchases [Hardware & Software] — Overview
Best Business Cards for Computer Bonus-Earning Categories
Best Business Cards for Purchasing From Select Retailers
Best Business Cards for Product Protection
Best Business Cards for Introductory 0% APR on Purchases
Additional Bonus Earning Opportunities
Final Thoughts

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Making a large purchase usually involves some level of research to find the best deal and to ensure the item or service adequately meets your business needs. Although possibly just an afterthought, earning rewards on that purchase could also make any deal that much sweeter.

But finding the right business card to facilitate a large purchase, and in the process earn as many rewards as possible, can also involve some research.

Today we’re setting out to help you with that. We’re here to assist you in finding the best business credit cards for a specific type of purchase critical to any business — computer equipment and software.

We’ll talk about utilizing bonus earning purchase categories, seeking out specific retailers that offer elevated earnings, product protection considerations, and other card attributes that present additional reward-earning opportunities.

Let’s cut quickly to the chase and explore some of the best cards for purchasing computer hardware and software.

The Best Business Credit Cards for Computer Purchases [Hardware & Software] — Overview

Before we review the best cards for purchasing computer hardware and software in detail, here’s an overview of how the cards stack up.

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Card	Welcome Offer and Annual Fee	Computer Purchase Benefits
American Express^® Business Gold Card	ELEVATED OFFER: Earn 100,000 points after you spend $15,000 on eligible purchases within the first 3 months. Annual fee of $375 (rates & fees)	4x Membership Rewards points per dollar spent on your highest 2 expense categories, including electronics goods retailers and software and cloud system providers, each statement period, with a maximum of $150,000 in combined 4x purchases Purchase protection and extended warranty Up to $20 back in statement credits each month at office supply stores
Huntington Voice Business Credit Card℠	No welcome offer Annual fee of $0	4% cash-back on 1 bonus category, up to $7,000 in purchases per quarter; categories include office supply stores, computer, electronics, and camera stores 1% cash back on all other purchases
Ink Business Cash^® Credit Card	Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months. Annual fee of $0	5% cash-back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year 0% intro APR on purchases for 12 months; variable 17.74% - 25.74% thereafter Purchase protection and extended warranty
U.S. Bank Business Cash Rewards World Elite™ Mastercard^® (no longer accepting applications)	No welcome offer Annual fee of $0	3% cash-back at office supply stores, all gas and electric vehicle charging stations, and cell phone service provider net purchases Receive a 25% annual bonus based on your prior year’s Cash Rewards, up to $250 0% APR on purchases for 12 months after card approval
The Business Platinum Card^® from American Express	ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months. Annual fee of $695 (rates & fees)	$400 in Dell credits each year 1.5x earnings on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year) Purchase protection and extended warranty
Ink Business Preferred^® Credit Card	Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months. Annual fee of $95	Generous welcome bonus Purchase protection and extended warranty
Ink Business Unlimited^® Credit Card	Earn $750 cash back after spending $6,000 on purchases in the first 3 months Annual fee of $0	1.5% cash-back on all purchases 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter Purchase protection and extended warranty
The American Express Blue Business Cash™ Card	Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Annual fee of $0 (rates & fees)	2% cash-back on all eligible purchases up to $50,000 per year, 1% thereafter 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (rates & fees) Purchase protection and extended warranty
Capital One Spark Cash Plus Card	$2,000 cash-back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. Annual fee of $150	2% cash-back on all purchases Get your $150 annual fee refunded every year you spend at least $150,000 Extended warranty
U.S. Bank Business Cash Rewards World Elite™ Mastercard^® (no longer accepting applications)	No welcome offer Annual fee of $0	3% cash-back at office supply stores, all gas and electric vehicle charging stations, and cell phone service provider net purchases Receive a 25% annual bonus based on your prior year’s Cash Rewards, up to $250 0% APR on purchases for 12 months after card approval

Note that not all benefits and card features are listed in the above summary. Terms and conditions also apply. Be sure to review current benefit offerings and fee schedules prior to applying for any card.

Best Business Cards for Computer Bonus-Earning Categories

Whether you’re looking for cash-back or redeemable points, finding a card that will earn rewards on your computer purchases takes some forethought.

Here are some business cards you might consider that offer bonus earnings on computer hardware and/or software purchases.

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome OfferEarn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 points

UP's Bonus Valuation*:
$2,200

Annual Fee

$375

APR

18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Financial Snapshot

APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 200k points with the Amex Business Gold card. The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Why We Like the Card for Computer Purchases

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)

The card also earns 3x points on flights and prepaid hotels through AmexTravel.com and 1x on all other purchases.

Huntington Voice Business Credit Card℠

While not a popular mainstream business credit card, the Huntington Voice Business card is worth checking out as it charges no annual fee and comes with quarterly cash-back bonus earnings.

Why We Like the Card for Computer Purchases

Earn 4% cash-back on up to $7,000 each calendar quarter in 1 of 10 bonus categories. These categories include retailers where you could purchase computer hardware or software, including office supply stores and electronic, computer, and camera stores.

Additional 4% cash-back earning categories include gas stations, travel/entertainment, restaurants, discount warehouse stores, grocery stores, department stores, home improvement, and auto parts/service stores.

Bottom Line: Very few credit cards have computer hardware or software as a bonus earning category, but the Amex Business Gold card is one of the best business cards for purchases in this category.

Best Business Cards for Purchasing From Select Retailers

While it may be difficult to find a business credit card that has computer hardware/software as a specific bonus category, there are plenty of additional ways to earn rewards on your computer purchases.

One way is to purchase your computer hardware/software at a bonus-category retailer. Let’s look at a few cards that offer bonus earnings or statement credits for purchases at specific retailers.

Best for Office Supply Stores

Ink Business Cash^® Credit Card

We’ll talk more about the Ink Business Cash card shortly, but know for now that it offers 5% cash-back earnings at office supply stores, up to $25,000 each card anniversary year.

U.S. Bank Business Cash Rewards World Elite™ Mastercard^®

With unlimited 3% cash-back earnings at office supply stores, you’ll earn big if you’re purchasing your computer hardware/software from one of these stores. The card also earns 3% cash-back on cellular services and at gas stations.

Amex Business Gold Card

The Amex Business Gold card comes with up to $240 in annual statement credits ($20 monthly) for eligible purchases at office supply stores, FedEx, and Grubhub (enrollment required).

Best for Dell Technologies and Large Purchases

The Business Platinum Card^® from American Express

ELEVATED OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points

UP's Bonus Valuation*:
$3,300

Annual Fee

$695

APR

18.49% - 27.49% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

Cons

High annual fee of $695 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 18.49% - 27.49% Variable
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250k points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Why We Like the Card for Computer Purchases

Receive up to $400 in statement credits each year ($200 semi-annually) for Dell purchases.

In addition to the card’s Dell Technologies statement credits, the Amex Business Platinum card earns 1.5x earnings on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year). There is no action required on your part — the elevated earnings are automatic.

Check out the best cards we recommend for large purchases for several more appropriate card recommendations.

Bottom Line: Consider bonus-category retailers and/or using a business card that offers unlimited earnings to maximize earning rewards on your computer hardware or software purchase.

Best Business Cards for Product Protection

Several business cards come with product protection in the form of purchase protection and/or extended warranty coverage. However, the best business credit cards have product protection limits of up to $10,000 per eligible item. Here are some of the best business cards to consider that offer these coverages with higher limits.

Purchase Protection

Purchase protection provides coverage for an eligible item for theft, damage, or accidental loss, for a specified period after the purchase date. While most computers are eligible for coverage, computer software is normally excluded.

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Business Card	Purchase Protection Coverage	Coverage Terms
Amex Business Platinum card	$10,000 per eligible item, $50,000 per card per calendar year	90 days from date of purchase, pay in full or in part with the card or Membership Rewards points
Ink Business Preferred^® Credit Card Ink Business Cash card	$10,000 per eligible item, $50,000 per account	120 days from date of purchase, pay in full or in part with the card or Ultimate Rewards points

For more information on the best cards that carry purchase protection coverage and how it works, check out our overview on the subject.

Extended Warranty

Eligible items that come with a manufacturer’s warranty may qualify for the extended warranty coverage that comes on several business cards. Here are some examples of cards that offer the benefit.

Any of these cards allow you to pay for the item in full, partially, or with rewards points earned on the card, to receive coverage.

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Business Card	Extended Warranty Coverage	Coverage Terms
Amex Business Platinum card	Manufacturer’s warranties of 5 years or less are extended by 1 year	$10,000 per eligible item, up to $50,000 per card per calendar year
Ink Business Preferred card Ink Business Cash card	Manufacturer’s warranties of 3 years or less are extended by 1 year	$10,000 per eligible item, up to $50,000 per account

Be sure to review the terms and conditions of these coverages in the specific card’s guide to benefits as computer software may be excluded and computer hardware coverage could be limited.

To learn more about the best cards that come with extended warranty coverage, visit our informative article.

Bottom Line: Several business cards come with ancillary coverage for your computers such as purchase protection and extended warranty coverage. To find out if your card has these protections, you can access the Guide to Benefits that came with your card, find the guide digitally via your online card account, or call the number on the back of your card.

Best Business Cards for Introductory 0% APR on Purchases

Charging a large computer purchase and not being able to pay off the amount in full when your card statement closes will cause you to incur high-interest charges and negate any rewards you may have earned.

Using a 0 interest business credit card will allow you to pay back that purchase over time without being charged interest — a feature that could potentially save you hundreds of dollars.

Here are some examples of business cards that offer this money-saving feature.

Ink Business Cash Card

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750

UP's Bonus Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 17.74% - 25.74% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.74% - 25.74% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
Travel insurance and purchase protection

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

Card Highlights

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 17.74% - 25.74% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Bonus Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Pros & Cons

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Cons

3% foreign transaction fee

Read Full Review

Card Highlights

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Why We Like the Cards for Computer Purchases

With either of these Chase business credit cards, you can take your time paying off the purchase as the cards offer an introductory 0% APR period on purchases for 12 months after card approval.

Both cards earn valuable Ultimate Rewards points on every purchase that can be redeemed for 1 cent each as a statement credit.

Points can also be transferred to premium Chase cards such as the Ink Business Preferred card, Chase Sapphire Preferred^® Card, or Chase Sapphire Reserve^® where you can receive up to 50% more in value when redeemed for travel. Points can also then be transferred to Chase travel partners for even greater potential value.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome OfferEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250

Annual Fee

No annual fee

APR

17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection

Cons

Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Why We Like the Card for Computer Purchases

The card comes with an introductory 0% APR period for 12 months after card approval, with regular APR (as shown in the table above) applied after the introductory period. Plus, you’ll earn 2% cash-back on your computer purchase (and every other purchase) up to a maximum of $50,000 in purchases each year. After that, you earn a straightforward 1% cash-back.

Lastly, cash back earned is automatically credited to your statement so there is no need to remember to redeem your cash-back.

Bottom Line: Utilizing a business card with an introductory 0% APR period for your computer hardware/software purchase can allow you more time to pay back the purchase without incurring interest charges. You’ll also be earning rewards on that purchase.

Additional Bonus Earning Opportunities

Take advantage of additional opportunities to earn rewards on your computer purchase by timing your purchase to take advantage of business card welcome bonuses or by utilizing special shopping offers.

Welcome Bonus Minimum Spending Requirements

While welcome bonuses fluctuate, there may be no better time to earn top rewards on your purchases than during the first 3 months after card approval. There are rarely times when you’ll earn such a large number of points, cash-back, or miles than when you first apply for a card and meet the initial minimum spending requirements.

Planning your large computer hardware/software purchase during this welcome bonus period could prove rewarding.

Shopping Offers

It’s worthwhile to take a quick glance at these shopping offers, for potential additional savings or earnings, prior to making a computer purchase.

Amex Offers — Found on your online card account home page, Amex Offers can save you hundreds, even thousands, of dollars each year, or present opportunities to multiply your reward earnings
Chase Offers — While not normally as lucrative as Amex Offers, Chase Offers are worth reviewing prior to your purchase
Shopping Portals — Start with Cashback Monitor to find which shopping portals (like Rakuten) are offering the best reward-earning potential for your specific purchase

Bottom Line: Timing your large computer purchase to coincide with spending requirements for a new card welcome bonus or utilizing shopping offers can maximize earning rewards on your purchase.

Final Thoughts

Ensuring that every purchase your business makes earns rewards can be challenging.

The best strategy involves determining your greatest business expenses and selecting a card that aligns its rewards earnings with that category or categories. The mix of expenses can even change over time, which can necessitate revisiting your card selection and making adjustments. You may also need more than 1 business card to accomplish this objective.

Whether earning rewards, utilizing a 0% APR period or securing product protection is a primary consideration when deciding which card to use for your computer purchase, you’ll also want to consider the overall card package for receiving ongoing value. Redemption options, travel and shopping benefits/protections, statement credits, and even the annual fee, can also play a major role in card selection.

If you’re simply making a large computer purchase, however, you should now have a better idea of which cards might work best for facilitating that purchase.

For rates and fees of the American Express^® Business Gold Card, click here.
For rates and fees of The Business Platinum Card^® from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
Information regarding the Huntington Voice Business Credit Card℠ was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.