The 5 Best Business Credit Cards for E-Commerce in September 2024
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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.
Card | Welcome Offer and Annual Fee | Earning Rates |
| Ink Business Preferred® Credit Card |
| 1x-3x points Ink Business Preferred® Credit Card
|
| American Express® Business Gold Card |
| 1x-4x points American Express® Business Gold Card
|
| The Business Platinum Card® from American Express |
| 1x-5x points The Business Platinum Card® from American Express
|
| Ink Business Unlimited® Credit Card |
| 1.5% cash-back Ink Business Unlimited® Credit Card
|
| The Blue Business® Plus Credit Card from American Express |
| 1x-2x points The Blue Business® Plus Credit Card from American Express
|
The 3 Best Overall Business Cards for E-Commerce
1. Ink Business Preferred® Credit Card (Top Pick, Excellent Card for Buying Ads)
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.
- 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
- 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.
- Member FDIC
- APR: 21.24%-26.24% Variable
- Foreign Transaction Fees: None
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 31, 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. American Express® Business Gold Card (Best for Earning Lots of Points, No Preset Spend Limit*)
Terms Apply / Rates & FeesGet 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.
- 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
- Access to Amex’s The Hotel Collection
- $375 annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
- 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 18.99% to 27.99% 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
- APR: 18.99% - 27.99% Variable,0% on purchases for 6 months from date of account opening
- Foreign Transaction Fees: None
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 100,000 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.
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, and the annual fee for employee cards being just $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (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.
3. The Business Platinum Card® from American Express (Best Card for Airport Lounge Access, No Preset Spend Limit*)
Terms Apply / Rates & FeesThis 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.
- 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)
- High annual fee of $695 (rates & fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
- 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.
- $695 Annual Fee.
- Terms Apply.
- APR: 18.99% - 27.99% Variable
- Foreign Transaction Fees: None
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 150,000 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!
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)
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
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- 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 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
- Member FDIC
- APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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 & FeesEarn 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.
- 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
- 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, 17.99% - 25.99%, 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.
- APR: 17.99% - 25.99% 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 employee cards at no additional cost (rates & fees).
*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.