The 5 Best Business Credit Cards for E-commerce in September 2023
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
The 3 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.
1. Ink Business Preferred® Credit Card (Top Pick, Excellent Card for Buying Ads)
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.
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.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
- 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
- Trip cancellation and interruption insurance
- Rental car insurance
- Extended warranty coverage
Cons
- No elite travel benefits like airport lounge access
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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 Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
- Credit Card Reviews
- Business Credit Cards
- Credit Cards
- Travel Rewards Credit Cards
- Best Sign Up Bonuses
Rewards Center
- The Chase Ink Business Preferred 100k Bonus Offer
- Benefits of the Ink Business Preferred
- Chase Ink Business Preferred Cell Phone Protection
- Chase Ink Business Preferred vs Amex Business Gold
- Ink Business Cash vs Ink Business Preferred
- Amex Business Platinum vs. Chase Ink Business Preferred
- Ink Business Preferred vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Card for Advertising
- High Limit Business Credit Cards
- Best Credit Cards with Travel Insurance
- Best Credit Cards for Car Rental Insurance
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:
- Advertising purchases with social media sites and search engines
- Internet, cable, and phone services
- Shipping purchases
- Travel
The 2 categories where you’ll probably be seeing the bulk of your rewards on this card are shipping purchases and advertising (Google Ads, Facebook Ads etc). 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 2025), 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.
Hot Tip: 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.
2. The Business Platinum Card® from American Express (Best Card for Airport Lounge Access)
Terms Apply / Rates & FeesThe Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Pros
- 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
- Up to $200 annual airline fee credit on your selected qualifying airline
- Statement credits on select purchases with your card
- 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
- Global Entry or TSA PreCheck application fee credit
- 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)
- Access to Amex’s Fine Hotels & Resorts program
Cons
- High annual fee of $695 (rates and fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Find The Amex Business Platinum 150k Welcome Bonus Offer
- Find The Amex Business Platinum 170k Welcome Bonus Offer
- Benefits of the Amex Business Platinum
- Authorized Users Benefits of the Amex Business Platinum
- 35% Points Rebate with the Amex Business Platinum
- Amex Business Platinum vs Amex Platinum
- Amex Platinum and Business Platinum Lounge Access
- Best American Express Business Credit Cards
- Best Business Credit Card for Advertising
- Best Credit Cards for Airport Lounge Access
- Best Credit Cards with Priority Access
- Best Credit Cards with Travel Insurance
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
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:
- Centurion Lounges
- Delta Sky Clubs (when flying Delta the same day)
- Escape Lounges — The Centurion Studio Partner
- International American Express Centurion Lounges
- Plaza Premium Lounges
- Priority Pass lounges (upon enrollment)
- Select Lufthansa Lounges (when flying Lufthansa the same day)
- Select Virgin Atlantic Clubhouses
With over 1,400 locations, this is the largest group of lounges you’ll get access to with a single card in the entire world.
This card also offers a Global Entry or TSA PreCheck application fee credit, Hilton Honors and Marriott Bonvoy Gold status upon enrollment, access to the world-famous Amex Fine Hotels & Resorts program, and up to $200 annual airline fee credit.
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 Amex Travel.
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.
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.
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:
- Charity
- Gift cards
- Merchandise
- Statement credits
- Transfers to airline and hotel partners
- Travel bookings made through Amex Travel
But our personal favorite is to transfer them to partners for first and business class flights!
3. American Express® Business Gold Card (Best for Earning Points)
Terms Apply / Rates & FeesAmerican Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).The American Express® Business Gold Card is excellent at racking up rewards for your business spend.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Pros
- 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
- 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
- 25% airline bonus when using Pay With Points
- Access to Amex’s The Hotel Collection
- Purchase protection and extended warranty protection
- Trip delay insurance
- Car rental insurance
Cons
- $295 annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
- Welcome Offer: 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. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Amex Business Gold 110k Welcome Bonus Offer
- Benefits of the Amex Business Gold
- Amex Business Gold vs. Amex Plum
- Amex Business Gold vs. Amex Gold
- Best American Express Business Credit Cards
- Best Business Credit Card for Advertising
- Best Business Credit Cards for Shipping Purchases
- Best Business Credit Cards for Gas
- Best Credit Cards for Flight Upgrades
- High Limit Business Credit Cards
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
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.
You can earn 4x Membership Rewards points per dollar spent on the top 2 categories (shown below) where your business spends the most each month, up to $150,000 in combined purchases per year:
- Airfare purchased from airlines
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for advertising in select media (e.g. Google Ads, Facebook Ads etc)
- U.S. purchases for shipping
- U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
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, and the ability to add up to 99 employee cards for a flat annual fee of $50 (total, not per card; rates and 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 2 Best Alternative Business Credit Cards for E-commerce
Let’s take a look at some of the other great credit cards for e-commerce businesses.
1. Ink Business Unlimited® Credit Card (No Annual Fee, LOW Intro APR)
Ink Business Cash® 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.
Ink Business Cash® 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.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 18.49% - 24.49% thereafter
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- Earn flexible rewards
Cons
- 3% foreign transaction fee
- Earn $900 bonus cash back after you spend $6,000 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. Earn 1% cash back 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.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- The Ink Business Unlimited $900 Welcome Bonus Offer
- Benefits of the Ink Business Unlimited Credit Card
- Ink Business Cash vs Ink Business Unlimited
- Ink Business Preferred vs Ink Business Unlimited
- Best Business Credit Cards with No Annual Fee
- Best Chase Business Credit Cards
- Best Business Credit Cards for Multiple Employees
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
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 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 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.
2. The Blue Business® Plus Credit Card from American Express
Terms Apply / Rates & FeesThe 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.
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 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
- 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
- Charges foreign transaction fees
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 us, and other factors.
- No Annual Fee
- Terms Apply
Financial Snapshot
- APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Card Categories
Rewards Center
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 employee cards at no additional cost (rates and fees).
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.