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

BY 

Christine Krzyszton

- UPDATED: September 17, 2021

1. Credit Cards  / 
2. Business

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Making a large purchase usually involves some level of research to find the best deal and to assure 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.

Best Business Credit 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 examples of business cards you might consider that offer bonus earnings on computer hardware and/or software purchases.

American Express® Business Gold Card

Credit Card

Benefits & Info

American Express® Business Gold Card Learn More (at Amex's secure site)

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more. Good to Excellent Credit Recommended (670-840) Annual Fee: $295 Terms Apply. For rates and fees of the Amex Business Gold card, click here. UP’s Bonus Valuation*: $1,540 Must Reads: For more info on the Amex Business Gold Card see our guide on its benefits, top FAQ’s and our full review.

Why We Like the Card for Computer Purchases

The Amex Business Gold card offers earnings of 4x points per dollar spent on your 2 highest purchase categories each statement period. Those purchase categories include computer hardware, software, and cloud solutions purchased via U.S. merchants. There is a maximum of $150,000 in combined 4x earning purchases each calendar year.

Additional 4x bonus earning categories include:

• Airfare purchased directly from the airline
• Online advertising purchased through select U.S. media
• U.S. restaurants
• U.S. gas stations
• U.S. shipping

The card then earns 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 Credit 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.

Best for Dell Technologies

The Business Platinum Card® from American Express

Credit Card

Benefits & Info

New Welcome Offer The Business Platinum Card® from American Express Learn More (at Amex's secure site)

Welcome Offer: Earn 85,000 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com. Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card. Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply. Good to Excellent Credit Recommended (670-850) Annual Fee: $595 Terms Apply. For rates and fees of the Amex Business Platinum card, click here. UP’s Bonus Valuation*: $2,200 Must Reads: For more info on the Amex Business Platinum, see our insights on its benefits, top card FAQ’s and the best airport lounges you can access. Go here for our full review. This is one of several business credit cards from Amex.

Why We Like the Card for Computer Purchases

Receive up to $200 in statement credits each year ($100 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 all purchases of $5,000 or more. There is no action required on your part — the elevated earnings are automatic.

Best Business Credit Cards for Large Purchases

You won’t have to worry about bonus categories when using either of these business credit cards for your computer purchase.

Capital One® Spark® Cash for Business

Why We Like the Card for Computer Purchases

Earn 2% unlimited cash-back on every purchase, including computer hardware, software, and cloud storage.

Amex Business Platinum Card

As previously mentioned, the Amex Business Platinum card fares well for large purchases as the card earns 1.5x points per dollar spent on purchases of $5,000 or more. If you have a large computer purchase planned, this card is a good choice. There is a limit of 1 million additional points per calendar year.

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 Credit 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.

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.

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 Credit 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 business card with an introductory 0% APR period 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 Unlimited® Credit Card

CHASE CARD	BENEFITS & INFO
New Offer Ink Business Cash® Credit Card Learn More (at Chase's secure site)	Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from 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 0% introductory APR for 12 months on purchases, then a variable APR of 13.24% - 19.24% Annual Fee: $0
Ink Business Unlimited® Credit Card Learn More (at Chase's secure site)	New Offer: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening Earn unlimited 1.5% Cash Back rewards on every purchase made for your business. 0% intro APR for 12 months from account opening on purchases. After that, 13.24% - 19.24% variable APR. Annual Fee: $0

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® Card where you can receive up to 50% more in value when redeemed for travel. Points can also then be transferred to travel partners for even greater potential value.

American Express Blue Business Cash™ Card

Credit Card	Benefits	Best For
New Welcome Offer American Express Blue Business Cash™ Card Learn More (at Amex's secure site)	Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 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. Just 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. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24%-19.24%, based on your creditworthiness and other factors as determined at the time of account opening. Good to Excellent Credit Recommended (670-840) Annual Fee: $0 Terms Apply. For rates and fees of the Blue Business Cash Card, click here.	Startups that can benefit from the 0% APR period for initial large purchases and pay off in 12 months Businesses looking for a simple cash-back earning structure

Why We Like the Card for Computer Purchases

The card comes with an introductory 0% APR period for 12 months after card approval, 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 needing 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. 

The Best Business Credit Cards for Computer Purchases — Summary

It’s time to summarize all the information we’ve covered on the best cards for purchasing computer hardware and software. Here’s how the cards stack up.

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.

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 earning 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.

The information regarding the Huntington Voice Business Credit Card℠, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, and Capital One® Spark® Cash for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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.