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The 6 Best Business Credit Cards for Shipping Purchases [FedEx, UPS, and More]

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Jarrod West
Updated: 
Edited by: Juan Ruiz
& Keri Stooksbury
The 6 Best Business Credit Cards for Shipping Purchases [FedEx, UPS, and More]
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With more and more consumers turning to online shopping, the amount companies spend on shipping has skyrocketed. The State of Logistics Report indicates that U.S. companies spent $2.6 trillion on logistics costs in 2025.¹

If you run an e-commerce business, chances are your business spends a great deal on shipping each year. If so, you should use a card that offers the highest return possible on these expenses. This guide covers the best cards for shipping purchases, including FedEx, UPS, and USPS.

The 6 Best Business Cards for Shipping Purchases — Overview

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Card

Welcome Bonus and Annual Fee

Benefits for Shipping Purchases

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

  • NEW OFFER100,000 pointsInk Business Preferred® Credit CardEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

3x points spent on travel and select business categories, including shipping (up to $150,000 in combined purchases every cardmember year)

The American Express Blue Business Cash® Card

The American Express Blue Business Cash® Card

  • As High As $500. Find Out Your Offer.The American Express Blue Business Cash® CardAs High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

2% cash-back on all purchases (up to $50,000 per calendar year), then 1% thereafter

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

  • LAST CHANCE1 Free Night Award + 100k pointsMarriott Bonvoy Business® American Express® CardLimited Time Offer: Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. The Free Night Award has a redemption level up to 50,000 points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. Offer ends 11/4/26.

4x points on U.S. purchases for shipping

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

  • As High As 50,000 points. Find Out Your Offer.The Blue Business® Plus Credit Card from American ExpressAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

2x points on all business purchases (up to $50,000 per calendar year)

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
  • $750Ink Business Unlimited® Credit CardEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

1.5% cash-back on all purchases

Citi® / AAdvantage Business™ World Elite Mastercard®
Citi® / AAdvantage® Business™ World Elite Mastercard®
  • 75,000 milesCiti® / AAdvantage® Business™ World Elite Mastercard®For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
  • $0 intro annual fee for the first year, then $99

2x miles on a self-selected category, with U.S. shipping purchases as an option

Best Overall Business Cards

Ink Business Preferred® Credit Card

NEW OFFER
Ink Business Preferred® Credit CardTerms Apply / Rates & Fees
Ink Business Preferred® Credit Card

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.

Apply Now(at Chase's secure site)
Ink Business Preferred® Credit Card
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 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
100,000 points
$2,000
$95
17.99% - 26.99% 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 card application.
Good to Excellent
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
Read Full Review
Card Highlights
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • 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
  • Earn 5x total points on Lyft rides through 9/30/27.
  • 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
  • Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Receive complimentary access to DashPass by DoorDash.
  • Member FDIC
Financial Snapshot
  • APR: 17.99% - 26.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

With the Ink Business Preferred card, business owners earn 3x Ultimate Rewards points on purchases made within all 4 of the bonus categories — including shipping purchases.

There is a $150,000 annual cap on total category earnings, after which you earn 1x points. If you’re reaching this level of spending on your shipping purchases, or any other 3x categories, that’s a total of 450,000 Ultimate Rewards Points per year.

In addition to the 3x points you earn on shipping purchases, you can earn 3x points on travel, advertising purchases with social media sites and search engines, internet, cable, and phone services.

The Ink Business Preferred card earns 3x points on shipping merchants, including couriers, postal and freight shipping companies, express shipping services, and mailbox stores. Vendors such as FedEx, USPS, and UPS count.

The Ink Business Preferred card also offers travel insurance, cell phone protection, $0 additional fee for employee cards, no foreign transaction fees, and more.

Why We Like Earning Ultimate Rewards Points

Ultimate Rewards points are not only valuable but flexible. You can use your Ultimate Rewards points through Chase Travel, where you can get an up to 75% bonus or redeem points for cash back, gift cards, and other experiences.

If you want to maximize your Chase Ultimate Rewards points, make the most of them by using one of the Chase transfer partners. Transferring Ultimate Rewards points can help you book business class flights and 5-star hotel stays for just a fraction of the retail value.

Hot Tip: If your business spends a lot on shipping or other bonus categories, the Ink Business Preferred card may be an excellent choice for you. Maximizing the $150,000 purchase limit on 3x categories earns 450,000 Ultimate Rewards points. These could be worth up to $7,875 in travel when redeemed via the Chase Travel portal, or potentially even more when used with transfer partners.

The American Express Blue Business Cash® Card

The American Express Blue Business Cash® CardTerms Apply / Rates & Fees
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 calendar 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 calendar year.
As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
As High As $500. Find Out Your Offer.
As High As $500
No annual fee
16.99% - 28.74% 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 card application.
Good to Excellent
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 the first $50,000 of purchases each calendar year, 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
  • As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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 above 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.
  • Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
  • No Annual Fee. Terms Apply. Learn More.
Financial Snapshot
  • APR: 16.99% - 28.74% 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.

If your business has frequent shipping expenses, you can earn 2% cash-back on all purchases, including shipping, with the Amex Blue Business Cash card. Bonus earnings are limited to $50,000 in purchases per calendar year — up to $1,000 in cash-back.

After you reach the spending cap, you earn unlimited 1% cash-back. Cash-back is automatically credited to your statement.

Other benefits include Expanded Buying Power, secondary rental car insurance, purchase protection, extended warranty, and no additional fee for employee cards (rates & fees).

Why We Like Earning Cash-Back

If you prefer simplicity, cash-back is good for reinvesting in your business. Cash-back earned on your Amex Blue Business Cash card is applied automatically to your statements, allowing you to offset expenses as you make them.

Citi® / AAdvantage Business™ World Elite Mastercard®

Citi® / AAdvantage® Business™ World Elite Mastercard®
Citi® / AAdvantage® Business™ World Elite Mastercard®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

All information about Citi® / AAdvantage® Business™ World Elite Mastercard® has been collected independently by Upgraded Points.
Citi® / AAdvantage® Business™ World Elite Mastercard®
A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
75,000 miles
$1,050
$0 intro annual fee for the first year, then $99
19.74% to 28.74% 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 card application.
Excellent (740-850)
Why We Like This Card

With the Citi® / AAdvantage Business™ World Elite Mastercard®, you can earn more miles on business expenses and get perks including preferred boarding, free checked bags, and discounts on inflight purchases. It also helps you qualify for higher levels of elite status.

Beginning January 24, 2027, cardholders can access expanded earning categories, travel credits, and travel protections.

Pros & Cons
Pros
  • Starting January 24, 2027: 3x miles per $1 on qualifying AAdvantage Hotels and AAdvantage Cars bookings, 2x on one eligible self-select category (U.S. shipping providers, office supply stores, or U.S. advertising services)
  • 2x miles per $1 spent on American Airlines purchases
  • 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
Cons
  • $0 intro annual fee for the first year, then $99 annual fee (increases to $150 on January 24, 2027)
  • Does not earn transferable rewards
Read Full Review
Card Highlights
  • Designed for businesses.
  • For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card.
  • Enjoy preferred boarding on American Airlines flights.
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
  • No Foreign Transaction Fees.
Financial Snapshot
  • APR: 19.74% to 28.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Airlines AAdvantage Frequent Flyer Program

Cardholders earn 2x miles on American Airlines purchases, car rental merchants, gas stations, and select telecom purchases and satellite providers. Cardholders also earn 1 Loyalty Point per $1 spent, helping the primary cardholder earn AAdvantage elite status from spending.

Starting January 24, 2027, the AAdvantage Business card will earn 3x miles on AAdvantage Hotels and AAdvantage Cars reservations and 2x miles on an eligible category of choice. There’s no earning cap on the chosen category, and options include U.S. shipping providers, office supply stores, and U.S. advertising services.

Starting January 24, 2027, cardholders will also Get an up to $120 application fee credit for TSA PreCheck or Global Entry every 4 years, up to $100 annually in statement credits for inflight purchases, and travel protections including trip cancellation and interruption coverage.

Why We Like Earning AAdvantage Miles

AAdvantage miles are valuable and easy to use, though the program’s move into dynamic pricing means the number of miles required for a flight can be high during peak travel periods. That said, the miles provide access to flights on dozens of airlines, including American Airlines and its Oneworld partners.

We value AAdvantage miles at 1.4 cents each on average, but it’s easily possible to redeem American Airlines miles for more value than that.

Hot Tip: Don’t forget about your other business expenses. Check out these great business credit cards for office supply purchases.

Additional Card Options

Young woman packing of clothes put on the boxes to be shipped in her office
Image Credit: Odua Images via Adobe Stock

Marriott Bonvoy Business® American Express® Card

LAST CHANCE
Marriott Bonvoy Business® American Express® CardTerms Apply / Rates & Fees
Marriott Bonvoy Business® American Express® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Apply Now(at Amex's secure site)
Marriott Bonvoy Business® American Express® Card
A great option for business owners who stay in Marriott hotels and want automatic elite status.
Limited Time Offer: Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. The Free Night Award has a redemption level up to 50,000 points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. Offer ends 11/4/26.
1 Free Night Award + 100k points
Up to $1,050
$125
19.74% - 28.74% 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 card application.
Good to Excellent
Why We Like This Card

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business® American Express® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Marriott Bonvoy® Gold Elite status, and multiple point redemption options.

Pros & Cons
Pros
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points per $1 on all other purchases
Cons
Read Full Review
Card Highlights
  • Limited Time Offer: Earn 100,000 Marriott Bonvoy® Bonus Points and 1 Free Night Award after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership. The Free Night Award has a redemption level up to 50,000 points at hotels participating in Marriott Bonvoy®. Resort fees and terms apply. Offer ends 11/4/26.
  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy® Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
  • Terms apply.
Financial Snapshot
  • APR: 19.74% - 28.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Marriott Bonvoy

If you spend a lot on shipping and travel the Marriott Bonvoy Business card could be a good fit.

With the Marriott Bonvoy Business card, cardholders earn 6x points at hotels participating in the Marriott Bonvoy program as well as 4x on U.S. purchases for shipping.

Marriott Bonvoy loyalists can take advantage of complimentary Gold Elite status, an annual free night award, a 7% discount on Marriott stays, and 15 Elite Night Credits every year. There are also no foreign transaction fees and no additional fee for employee cards (rates & fees).

Why We Like Earning Marriott Bonvoy Points

The Marriott Bonvoy Business card is one of the few options for hotel rewards on shipping purchases.

Earning 4x points yields a 2.8% return on spending, per our valuations. If you value the free night certificate and 15 Elite Night Credits every year to get closer to elite status, this card can be especially valuable.

You can get good value by redeeming Marriott Bonvoy points for reward stays at hotels, but you can get some exceptional value by booking flights with Marriott Bonvoy points, too.

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)
The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
As High As 50,000 points. Find Out Your Offer.
Up to $1,100
No annual fee
16.99% - 28.74% 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 card application.
Good to Excellent
Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

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
Read Full Review
Card Highlights
  • As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% 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 above 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.
  • Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
  • No Annual Fee
  • Terms Apply.
Financial Snapshot
  • APR: 16.99% - 28.74% 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.
Rewards Center

American Express Membership Rewards

Business owners with the Amex Blue Business Plus card earn 2x Membership Rewards points on everyday business purchases, including all shipping purchases, up to $50,000 per year. After that, you earn 1x on all purchases.

By maximizing that limit, you can earn 100,000 Membership Rewards points. You can also use Expanded Buying Power, purchase protection, extended warranty, zero-liability fraud protection, and no additional fee for employee cards (rates & fees).

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit CardTerms Apply / Rates & Fees
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.

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.
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 16.99% - 24.99% 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 card application.
Good to Excellent
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 16.99% - 24.99% thereafter.

Pros & Cons
Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% 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
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

With an uncapped 1.5% cash-back (in the form of Ultimate Rewards points) on every purchase your business makes, including shipping, the Ink Business Unlimited card is a no-annual-fee credit card worth considering. There’s a great welcome bonus, too.

Cardholders can redeem their Ultimate Rewards points for cash-back. However, transferring Ultimate Rewards points to premium Chase credit cards, such as the Ink Business Preferred card or Chase Sapphire Reserve®, may offer more value.

Also, there’s travel insurance, purchase protection, extended warranty, roadside dispatch, $0 additional fee for employee cards, and the Ink Business Unlimited is a business credit card with a 0% intro APR offer.

Final Thoughts

If you have a business that spends a significant amount on shipping purchases each year, then having a strong credit card that rewards you for that spending is a sound financial decision. When deciding which of these card options is best for you, consider your shipping expenses and the amount you spend in other relevant bonus categories.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

Which credit card is best for shipping purchases?

The Ink Business Preferred card earns 3x points on shipping and other select business categories, up to $150,000 in combined purchases each account year. But the highest earning rate may not offer the best value for your business. Consider how you plan to redeem rewards, your annual shipping expenses, and each card’s annual fee when choosing a card.

Do I qualify for a business credit card?

If you operate any enterprise that produces an income, you may be eligible for a business credit card. Even selling items on eBay could qualify as a business.

What type of shipping purchases qualify for rewards?

To earn bonus rewards on shipping purchases, the expense must be considered a shipping merchant expense, which includes couriers, postal, and freight shipping companies, express shipping services, and mailbox stores. You will not earn bonus rewards on shipping costs added to retail purchases.

Is there a no-annual-fee card that earns rewards for shipping purchases?

The Amex Blue Business Cash card, which earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year (1% thereafter), and the Ink Business Unlimited card, which earns 1.5% cash-back on shipping purchases, have no annual fee.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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American Express® Business Gold CardTerms Apply / Rates & Fees

American Express® Business Gold Card

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American Express® Business Gold Card

Welcome Offer: Your Offer Could Be As High As 200,000 Points. Find Out Your Offer.

  • As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
  • 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.
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  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
  • Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
  • Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
  • Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • Terms Apply

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