The 5 Best Business Credit Cards for House Flippers & Landlords [June 2025]
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What To Look for in a Business Credit Card for House Flippers & Landlords
As a house flipper or landlord, you will incur different types of expenses throughout the course of the year. As you can imagine, house flippers (at least those who fix properties up before selling them again) generally have larger expenses on a yearly basis.
House flippers must often pay for large, singular expenses, often in excess of $10,000 per transaction.
So what we looked for in a great business card for house flippers is a large spending limit, a big spend bonus, business purchase protections, and bonus rewards on as many spending categories as possible.
Landlords with rental property will have to pay for expenses like advertising rental listings, materials and supplies, and small touch-up repair projects in between tenants.
Top Picks (Quick Summary)
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Card | Welcome Offer and Annual Fee | Earning Rates |
Ink Business Unlimited® Credit Card  |
| 1.5% cash-backInk Business Unlimited® Credit Card
|
The Business Platinum Card® from American Express  |
| 1x-5x pointsThe Business Platinum Card® from American Express |
American Express® Business Gold Card  |
| 1x-4x pointsAmerican Express® Business Gold Card
|
Ink Business Preferred® Credit Card  |
| 1x-3x pointsInk Business Preferred® Credit Card
|
The Blue Business® Plus Credit Card from American Express  |
| 1x-2x pointsThe Blue Business® Plus Credit Card from American Express
|
Best Overall Business Cards for House Flippers and Landlords
1. Ink Business Unlimited® Credit Card (Top Pick, Best No Annual Fee, LOW Intro APR)
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$0
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Pros & Cons
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Cons
- 3% foreign transaction fee
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
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
Our runner-up best credit card is the Ink Business Unlimited card, which offers a unique value proposition for house flippers and landlords. This business credit card offers an excellent welcome bonus with easy-to-achieve spending requirements.
One of the selling points of this card is the fact that you will earn 1.5% cash-back on all business purchases, regardless of the spending category. These rewards are also uncapped.
In addition, your 1.5% cash-back is convertible to 1.5x Chase Ultimate Rewards points per $1 if you hold an Ultimate Rewards credit card such as the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve card.
Don’t forget the 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter that you can enjoy when signing up for this card, which is designed to help you avoid interest fees on balances for your business.
Finally, this card has no-additional fee employee cards, primary rental car insurance, zero liability fraud protection, purchase protection, and extended warranty coverage as other important benefits.
2. The Business Platinum Card® from American Express (No Preset Spending Limit)
LAST CHANCETerms Apply / Rates & FeesApply Now(at Amex's secure site)150,000 points + $500 statement creditGood to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
Up to $3,800
$695
18.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
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.
Pros & Cons
Pros
- 5x Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
- 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 (on up to $2 million per calendar year)
Cons
- High annual fee of $695 (rates & fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
Card Highlights
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- 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 10/2024.
- 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.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other 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.
- $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®.
- $695 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 18.49% - 27.49% Variable
- Foreign Transaction Fees: None
Rewards Center
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points plus a $500 statement credit. (This targeted offer was independently researched and may not be available to all applicants.)
Our first (and favorite) business card for house flippers and landlords is the Amex Business Platinum card, and it’s one of the most well-known cards in the world.
The Amex Business Platinum card will earn you 5x points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com. So if you also have out-of-state properties, you can earn points on those business trips. The card also earns 1.5x on eligible purchases in key U.S. business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
And speaking of travel, this card offers the most incredible travel benefits of any single card in the world. To start, you’ll be able to access the American Express Global Lounge Collection, which includes:
- Airspace Lounges
- (Luxurious) 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
- Select Virgin Clubhouse Lounges
Other travel benefits include a $200 annual airline fee credit, access to Amex Fine Hotels & Resorts, Hilton Honors and Marriott Bonvoy Gold status upon enrollment, a 35% rebate when using Pay with Points, and a Global Entry or TSA PreCheck application fee credit.
However, one of our favorite perks is the bonus earning structure. As mentioned, you’ll earn 1.5x for eligible purchases on your Card made at U.S. construction material and hardware suppliers, at U.S. electronic goods retailers and software & cloud system providers, and at U.S. shipping providers as well as on each eligible purchase of $5,000 or more everywhere else.
One of the biggest benefits of this card type for business owners is the absence of any preset spending limit. What that means is 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.
American Express offers some of the highest spending limits in the industry if they believe you have the means to pay off all your bills. This can be instrumental in managing or scaling your house flipping or rental property business.
3. American Express® Business Gold Card (Best for Earning Lots of Points, No Preset Spending Limit)
ELEVATED OFFERTerms Apply / Rates & FeesApply Now(at Amex's secure site)100,000 pointsGood to Excellent
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Up to $2,200
$375
18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
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.
Pros & Cons
Pros
- 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
- 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
- Access to Amex’s The Hotel Collection
Cons
- $375 annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
Card Highlights
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% 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 comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Financial Snapshot
- APR: 18.49% - 29.24% Variable,0% on purchases for 6 months from date of account opening
- Foreign Transaction Fees: None
Rewards Center
The Amex Business Gold card has been one of our favorite cards for many years. Ever since this card got a facelift in rewards, it’s been a no-brainer for most business owners, including house flippers and landlords.
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)
And the best part of this card is that your 2 bonus categories are automatically selected for you every month so you don’t have to worry about figuring out which categories to choose — you’ll rest assured that you’ll max out your rewards in these categories.
Hot Tip: If you maxed out your 4x points, you’d earn 600,000 Amex points, which is worth around $13,200! Couple that with a nice welcome bonus and you’ll have tons of points before you know it.
This card doesn’t have a preset spending limit (your spending limit is flexible). The amount you can spend adapts based on factors such as your purchase, payment, and credit history, which means you may be able to scale up your expenses without worrying about a hard credit limit every month.
The annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (rates & fees).
Alternative Business Credit Cards for House Flippers & Landlords
Having options in life is important, and this includes business credit cards.
We’ve made our opinions very clear on why the top 3 business credit cards above are great fits for house flippers and landlords. However, if you’re looking for other options, you’ll want to read this next section.
4. Ink Business Preferred® Credit Card (Best Chase Business Card)
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
$1,800
$95
20.24% - 26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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
Card Highlights
- Earn 90k 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
- 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 more when you redeem for travel through Chase TravelSM
- 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
- APR: 20.24% - 26.24% Variable
- Foreign Transaction Fees: $0
Rewards Center
The Ink Business Preferred card is a very popular credit card for business owners, and it is our top entry in alternative choices for flippers and landlords.
This card offers a huge welcome bonus and 3x Chase Ultimate Rewards points on your first $150,000 spent every account cardmember year on these business categories:
- Travel
- Shipping purchases
- Internet, cable, and phone services
- Advertising purchases with social media sites and search engines
Notably, the Ink Business Preferred card earns Ultimate Rewards points directly, which means you don’t need to have another Chase card to earn these points.
It also earns 5x points on Lyft through September 30, 2027. Once you’ve earned these points, you can transfer them to partner airlines and hotels or use them for gift cards, cash-back, charity, Pay Yourself Back, and more.
You’ll enjoy no foreign transaction fees, travel insurance, primary rental car coverage, amazing cell phone protection insurance, purchase protection, and extended warranty protection.
5. The Blue Business® Plus Credit Card from American Express
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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
Card Highlights
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Financial Snapshot
- APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center
The Amex Blue Business Plus card is one of our favorites because it earns 2x Membership Rewards points on everyday business purchases on the first $50,000 spent every calendar year (1x thereafter) with no need to keep track of bonus categories – all for no annual fee.
You’ll also find a 0% introductory APR benefit, plus no-annual-fee employee cards, extended warranty coverage, purchase protection, and the ability to access Amex’s famous Membership Rewards program without an annual fee (see rates & fees).