The 5 Best Business Credit Cards for E-Commerce [2021]


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If you are starting or already have an e-commerce business, you’re probably too busy trying to manage logistics, new product offerings, legal paperwork, and other business activities to think about business credit cards for your e-commerce company.

That’s why we’ve done all the research to learn about different 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!

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 has time for that!

Here’s the deal — e-commerce business owners, no matter what niche, probably have their biggest expenses in shipping, marketing/advertising, online expenses like website hosting and software as a service (SaaS), as well as equipment and warehousing costs.

It’s just inherent in the nature of e-commerce companies to have these expenses.

We’ve specifically sought out the best business credit cards that offer bonus rewards points on those expenses, as well as other benefits like large spending limits and purchase protection when things go awry, as well as tools to help you improve your record-keeping.

Let’s walk through the best credit cards you can get for your e-commerce company.

Best Overall Business Cards for E-Commerce

Figuring out the most rewarding cards you can open for your e-commerce business is one of the easiest ways to get 5% to 10% back on all your business expenses.

You can use your rewards as a reinvestment back in your business, or you can get even more value by redeeming your points for travel through airline or hotel partners.

Simply having a different card in your hand than you currently do might mean the difference between accelerating your rewards or keeping them stagnant.

So, without further ado, here are our best business credit cards for e-commerce.

1. The Business Platinum Card® from American Express

The Amex Business Platinum card is one of the most famous cards in the world, and for good reason. It’s a massively popular card to have in your business’ arsenal for so many reasons, but we’ll provide you with the highlights.

You can earn a massive welcome bonus (valued at $1,500+), though it’s certainly possible to get way higher value than that.

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 that includes:

This is the largest list of lounges you’ll get access to with a single card in the entire world.

This card also offers a Global Entry/TSA PreCheck application fee credit, complimentary Hilton Honors and Marriott Bonvoy Gold status, access to the world-famous Amex Fine Hotels & Resorts program, a $200 annual airline fee credit, and no foreign transaction fees.

Another phenomenal perk you’ll get access to is the ability to get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases of $5,000 or more.

So if you happen to be making a lot of large transactions of $5,000 or more, you can earn an uncapped 50% higher bonus of Amex points, colloquially known as the large transaction bonus!

You’ll also get up to $200 in statement credits for U.S. purchases with Dell every year to help with any new merchandise expenses.

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 (~1.53 cents per point of redemption value).

Bottom Line: We’re singing the praises of the Amex Business Platinum card because it’s probably the single most rewarding card you can have for your e-commerce business. Between the 5x categories, the travel benefits (lounge access!), all the statement credits, and the large transaction bonus, it’s easy to see the value proposition of this card.

Why We Like Earning Amex Membership Rewards Points

When you make purchases on your Amex Business Platinum card, you’ll earn Amex Membership Rewards points, also known as Amex points.

To earn 5x points on your business activities is already an incredible value proposition. But to earn 5x points of the most valuable rewards currency there is? Well, that’s why this card is our favorite.

To be clear, you can redeem your Amex points in many ways. Here are a few:

But our personal favorite is to transfer them to partners for first and business class flights!

2. American Express® Business Gold Card

The Amex Business Gold card is thought to be the little sister of the Amex Business Platinum card. If you’re a big spender in the capital-intensive e-commerce industry, you’ll love this card.

You can earn 4x Membership Rewards points per dollar spent on the top 2 categories where your business spends the most each month (up to $150,000 in combined purchases per year):

  • Airfare purchased from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

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 the ability to connect to QuickBooks, the ability to add up to 99 employee cards for a flat annual fee of $50 (total, not per card), secondary car rental loss and damage insurance, baggage insurance, extended warranty coverage, and purchase protection.

Bottom Line: The Amex Business Gold card offers a myriad of 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. 

3. Ink Business Preferred® Credit Card

Credit CardKey Benefits & Info
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Learn More
(at Chase's secure site)
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • $2,000
  • 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
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95

Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

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 these business categories every cardmember year:

  • Travel
  • Shipping purchases
  • Internet, cable, and phone services
  • Advertising purchases with social media sites and search engines

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 in a tailspin of shipping costs being unpredictable 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 2022), a 25% bonus on redemption value when booking travel through the Chase travel portal, the ability to transfer points to airline and hotel 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 per point.

The easiest way to redeem your Ultimate Rewards points is for 1.25 cents per point 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.

4. The Blue Business® Plus Credit Card from American Express

The Amex Blue Business Plus card will earn you 2x Membership Rewards points on everyday business purchases. The 2x points applied to the first $50,000 in purchases per year; after that, you’ll earn 1x.

This card has a $0 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 no-additional-cost employee cards (see rates and fees).

5. Ink Business Unlimited® Credit Card

Let’s say you’re looking for a simple, rewards-earning credit card and the Blue Business Plus card doesn’t fit your needs.

Perhaps you foresee 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 earn uncapped rewards 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 an introductory 0% APR benefit, 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.

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, chances are, 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 card 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 worry-free 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.

Frequently asked questions

What is the best credit card for small business?

Some of our favorite small business credit cards are the Amex Business Gold card, the Amex Business Platinum card, and the Ink Business Preferred card.

How do I get a business credit card for my LLC?

It’s easy to get a business credit card. You don’t even need an LLC to get one because you can qualify with a sole proprietorship as a contractor or freelancer.

All you need to do is have strong personal credit scores and practices and apply for a business credit card using your business information and revenue.

If you have an LLC, you can apply using your EIN and fill out the application using the most accurate business information.

What is the easiest business credit card to get?

The easiest business credit card to get may not be the one you’re looking for. If you have good credit of at least 700, you may qualify for the best business credit cards in the world!

But the “easiest” business credit card to get might have low spending limits, unattractive lending terms, and terrible rewards.

What credit score is needed for a business credit card?

For business credit cards offering the best rewards, you need a credit score of at least 700, as a rule of thumb.

You can get approved with scores lower or denied with scores higher than 700, but this is just a rule of thumb.

What’s more important is not maxing out your existing credit cards, paying all your bills on time, and not applying for credit too quickly.

Stephen Au

About Stephen Au

Born and raised in Los Angeles, Stephen has been privileged to enjoy many premium cabin products and 5-star hotels. A petroleum engineer by trade, Stephen caught the travel bug in college when he traveled to Asia several times. After 2 years of continual promotions, Stephen quit his safe and secure career path in favor of entrepreneurship.

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