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If you’re starting (or already have) an e-commerce business, you’re probably already busy enough trying to manage logistics, new product offerings, legal paperwork, and other business activities. The last thing you want to do is sift through all the available business credit cards to open for your e-commerce company.
That’s why we’ve done all the research for you. We’ve researched various e-commerce niches and brought together all of the most common and significant expenses that you’ll encounter as an e-commerce entrepreneur.
In this guide, we’ll walk you through the best business credit cards you can hold to set your e-commerce business up for success.
Let’s get into it!
The Best Business Credit Cards for E-Commerce — Overview
Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and
Earn 1.5X points on each eligible purchase at:
U.S. construction material
Hardware suppliers
Electronic goods retailers
Software & cloud system providers
Shipping providers
Earn 1.5X points 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.
Earn 1X points for each dollar you spend on eligible purchases.
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.*
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 1X Membership Rewards® points on all other eligible purchases.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
Annual fee of $95
1x-3xpoints
Ink Business Preferred® Credit Card
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
The Blue Business® Plus Credit Card from American Express
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Earn 1X Membership Rewards® point on other purchases.
Terms Apply.
What To Look for in a Business Credit Card for E-Commerce
As with every type of business, there’s no “one-size-fits-all” solution for everyone’s credit card needs.
In the ideal scenario, you’ll look through the past year of your business expenses, compare merchant categories, and then you might have enough information to make an informed decision — but nobody really has time for that!
The bottom line is that e-commerce business owners, no matter what niche, probably find that their biggest expenses are typically in shipping, marketing/advertising, online expenses like website hosting and software as a service (SaaS), as well as equipment and warehousing costs.
In this guide, we specifically sought out the best business credit cards that offer bonus rewards points on those expenses, in addition to other benefits like large spending limits and purchase protection for when things go awry, as well as tools to help you improve your record-keeping.
Best Overall Business Cards for E-Commerce
Finding a rewarding business credit card for your e-commerce business is an easy way to get 5% to 10% back on all your business expenses.
You can use the rewards you earn to reinvest in your business, or you can get even more value by redeeming those points for travel through airline or hotel partners.
So, without further ado, here are our best business credit cards for e-commerce.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
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.
150,000 points
$3,300
$695
18.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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)
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.
The Amex Business Platinum card is one of the most famous cards in the world, and for good reason. There are so many reasons for your business to have this card in its arsenal, but we’ll quickly run through the highlights.
One of our favorite aspects of this card is the depth of travel benefits you’ll get. First of all, you’ll get access to the American Express Global Lounge Collection, which includes:
You’ll earn 1.5x points for eligible purchases on your card made at U.S. construction material and hardware suppliers, at U.S. electronic goods retailers and software and cloud system providers, at U.S. shipping providers, and on each eligible purchase of $5,000 or more everywhere else (up to $2 million in purchases per calendar year). This is in addition to the 5x points on flights and prepaid hotels when booked through AmexTravel.com.
You’ll also get up to $400 in statement credits for U.S. purchases with Dell to help with any new merchandise expenses. Other statement credits include up to $360 at Indeed, up to $150 with Adobe, and up to $120 in wireless credit.
Of course, you’ll get industry-leading perks like purchase protection, cell phone protection, return protection, extended warranty protection, secondary car rental loss and damage insurance, checked and carry-on baggage insurance, travel accident insurance, business expense management tools, and even a 35% rebate when using Pay With Points for airfare.
Why We Like Earning Amex Membership Rewards Points
To earn 5x points on your business activities is already an incredible value proposition. And that multiplier goes even further when you consider that Amex points are the most valuable rewards currency there is. That’s precisely why this card is our favorite.
Of course, you can redeem your Amex points in many ways. Here are a few:
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.*
100,000 points
$2,200
$375
18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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
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
The Amex Business Gold card is thought to be the little sibling of the Amex Business Platinum card. If you’re a big spender in the capital-intensive e-commerce industry, you’ll love this card.
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)
Best of all? These bonus categories are automatically adjusted to earn you the most points.
If you max out the categories, you’d end up with 600,000 Membership Rewards points. After that, you’ll earn 1 point per dollar.
Plus, we love this card because it offers important protections and benefits, like QuickBooks connectivity, secondary car rental loss and damage insurance, baggage insurance, extended warranty coverage, and purchase protection. Plus the annual fee for employee cards is just $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (see rates & fees).
Bottom Line: The Amex Business Gold card offers myriad relevant bonus categories for e-commerce business owners, including the unique ability to earn points on software and cloud solutions. Simply put, it’s one of the most rewarding cards for business spending.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000 points
$1,800
$95
20.49% - 26.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros & Cons
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Cons
No elite travel benefits like airport lounge access
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
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.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
One of our favorite business credit cards, hands down, is the Ink Business Preferred card. This card was designed for business owners, particularly those that focus on having an online presence.
As an e-commerce business, you probably fit that bill!
The Ink Business Preferred card consistently offers an incredible welcome bonus and the ability to earn 3x Chase Ultimate Rewards points on your first $150,000 spent on the following business categories every cardmember year:
The 2 categories where you’ll probably be seeing the bulk of your rewards on this card are shipping purchases and advertising. As an e-commerce company, you’re probably always dealing with the unpredictability of shipping costs and cyclical advertising costs from seasonal trends.
To a certain extent, you can use the rewards from this card to cushion the blow, because if you max out the $150,000 cap and earn 450,000 Chase Ultimate Rewards points, this could be worth$9,000!
Other benefits include the ability to earn 5x points per dollar on Lyft purchases (through March 31, 2025), a 25% bonus on redemption value when booking travel through the Chase travel portal, the ability to transfer points to the Chase travel partners, and some incredible cell phone protection insurance.
You’ll also get trip interruption and cancellation insurance, trip delay insurance, travel accident insurance, baggage insurance, baggage delay insurance, primary rental car collision insurance, purchase protection, extended warranty protection, and no foreign transaction fees.
Why We Like Earning Chase Ultimate Rewards Points
Chase Ultimate Rewards points are one of the most valuable points in the world, usually worth around 2 cents apiece.
The easiest way to redeem your Ultimate Rewards points is for 1.25 cents in value each via the Chase travel portal. However, the best-value method is to transfer them to airline and hotel partners.
You can also redeem them for gift cards, merchandise, cash-back, and more. But we generally don’t recommend this because of the reduction in value you’d get.
Alternative Business Credit Cards for E-Commerce
Let’s take a look at some of the other great credit cards for e-commerce businesses.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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.
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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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
Let’s say you’re looking for a simple, rewards-earning credit card, but the Amex Blue Business Plus card doesn’t fit your needs.
Perhaps you anticipate spending more than $50,000 on your business every year but love the idea of earning solid rewards without worrying about bonus categories.
Well, the Ink Business Unlimited card will make sure you earnuncappedrewards on your business purchases, regardless of what bonus category it falls under!
You’ll get a flat 1.5% cash-back on your business purchases with no caps, no bonus categories, and no annual fee. And if you have an Ultimate Rewards credit card like the Chase Sapphire Preferred® Card, you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points, which is equal to about a 3% return on business spend.
You’ll also get zero liability fraud protection, unlimited employee cards for no extra cost, primary rental car theft and collision damage coverage, purchase protection, and extended warranty protection.
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
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 at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
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.
The Amex Blue Business Plus card will earn you 2x Membership Rewards points on everyday business purchases, up to $50,000 in purchases per year. After that, you’ll earn 1x point per dollar spent.
This card has no annual fee, and it’s one of the few no-annual-fee options that give you access to the award-winning Membership Rewards program. Plus, you’ll enjoy purchase protection, extended warranty coverage, and employee cards at no additional cost (see rates & fees).
Final Thoughts
There’s no simple formula to maximize credit card rewards for all e-commerce businesses. However, if you have a general idea of which expenses make up the bulk of your business’s transactions, you can use that information to figure out the best business credit card for your needs.
But if you’re spending a lot on common e-commerce purchases like shipping, SaaS, equipment, inventory management, materials, and advertising, you’ll do well to choose one of the options above.
Whether you want to max out select bonus categories and get up to 5x points or want to earn up to 2x points without bonus categories, there’s bound to be an option for you.
For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
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