The 5 Best Credit Cards for Construction Businesses [September 2023]

The best cards for construction businesses will have high credit ceilings, excellent rewards, and flexible financing terms.

That way, you can get as much as you can out of every dollar you spend, whether it’s on lumber or labor. Getting an incremental 1% or 2% back on large business expenses can make a huge difference in the long run. And of course, it always helps if you can get benefits for travel, too!

Let’s take a look at our favorite credit cards for construction businesses.

Top Picks (Quick Summary)

Card	Welcome Bonus and Annual Fee	Benefits
The Business Platinum Card® from American Express	OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. Annual Fee: $695 (Rates & Fees)	5x points on flights and prepaid hotels booked with Amex Travel 1.5x points in select business categories and on eligible purchases of $5,000 or more (up to $2 million in purchases per calendar year) Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), and more No preset spending limit
Ink Business Unlimited® Credit Card	NEW OFFER: Earn $900 cash-back after spending $6,000 on purchases in the first 3 months. Annual Fee: $0	Unlimited 1.5% cash-back on every purchase made for your business 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter No-additional-cost employee cards
Capital One Spark Cash Plus Card	Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months. Annual Fee: $150 No APR; you must pay off your balance in full every month to avoid a 2.99% late fee	Unlimited 2% cash-back on every purchase No preset spending limit No-additional-cost employee cards
The Blue Business® Plus Credit Card from American Express	No welcome offer Annual Fee: $0 (Rates & Fees)	Earn 2x points on everyday purchases on the first $50,000 every calendar year, 1x after that Expanded Buying Power No-additional-cost employee cards (rates & fees)
Capital One Spark Miles for Business	Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months. $0 intro for the first year, $95 after that	5x miles on hotels and rental cars booked through Capital One Travel Unlimited 2x miles per dollar on every purchase No-additional-cost employee cards

1. The Business Platinum Card^® from American Express (Top Pick)

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.)

Our favorite card for construction businesses is, without a shadow of a doubt, the Amex Business Platinum card. This card has proven time and time again to be a business owner’s best friend.

It offers the holy trinity of perks that business card owners look for:

1. High credit limit (in this case, there’s no preset spending limit)
2.  Top-shelf luxury benefits
3. Awesome rewards

Let’s be specific — the Amex Business Platinum card earns:

• 5x Membership Rewards points on flights and prepaid hotels at Amex Travel
• 1.5x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)
• 1x Membership Rewards on all other purchases

These key business categories include:

• Construction material and hardware suppliers
• Electronic goods retailers and software and cloud system providers
• Shipping providers

This card is one of the only ones to offer bonus rewards on construction material and hardware suppliers, which makes this card a match made in heaven for construction businesses.

Plus, you can earn bonus points on large purchases, which construction businesses have plenty of.

Maxing out the $2 million cap per calendar year means accumulating a total of 3 million Amex points, worth a whopping $66,000!

Additionally, this card offers the most exceptional benefits of a business card in the world.

Get access to the legendary American Express Global Lounge Collection, which consists of:

Top off your members-only perks with complimentary Hilton Honors and Mariott Bonvoy Gold status upon enrollment, a 35% rebate when using Pay with Points (up to 1 million points rebated per calendar year), and the ability to book Amex Fine Hotels & Resorts stays.

This card also offers statement credits galore, including:

• Up to $200 in airline fee credits
• Up to $400 with Dell Technologies
• Up to $360 with Indeed
• Up to $150 with Adobe
• Up to $120 on wireless telephone purchases
• $189 in CLEAR credit

The kicker on this card, though, is the fact that there is no preset spending limit, meaning you won’t have to worry about maxing out a credit limit in the same way you might with a traditional credit card.

2. Ink Business Unlimited^® Credit Card (Best No Annual Fee, LOW Intro APR)

The Ink Business Unlimited card is the top choice from Chase, which is famous for its terrific credit card offerings.

First off, enjoy a huge welcome offer — beyond that, get an unlimited 1.5% cash-back for all business purchases. There’s no need to think about bonus categories, caps, or anything like that.

One of the best parts of the Ink Business Unlimited card is that you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points if you also have a card that accumulates Ultimate Rewards points, such as the Chase Sapphire Preferred^® Card.

By doing so, you’ll double the value of your rewards — your return on spending goes up to 3% instead of 1.5%, based on our valuation of 2 cents per Ultimate Rewards point!

The Ink Business Unlimited card has 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, as well as primary rental car insurance, purchase protection, extended warranty, zero liability fraud protection, and no-fee employee cards.

3. The Blue Business^® Plus Credit Card from American Express

The Amex Blue Business Plus is one of our favorite credit cards in the world because it has a very attractive earning structure.

This card is straightforward and a great earner with 2x Membership Rewards points on everyday business purchases on the first $50,000 every calendar year. After that, you’ll earn 1x Membership Rewards points.

That means you’ll get a 4.4% return on spending for the first $50,000 you spend per calendar year, which is phenomenal for a card without an annual fee.

Plus, employee cards are at no cost, and you can leverage the Expanded Buying Power and access Amex Membership Rewards (including transfer partners).

4. Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card is one of the most unassuming cards out there — but it’s super useful for high-spending business owners.

This particular product has no preset spending limit, so it’s similar to the Amex Business Platinum card in that sense.

You’ll earn an unlimited 2% cash-back on every purchase with no limits or category restrictions, plus get your $150 annual fee refunded every year you spend at least $150,000.

With benefits like fraud coverage, extended warranty, business assistant, and purchase assurance, this card is worth considering for a spot in your business’ wallet.

5. Capital One Spark Miles for Business

The Capital One Spark Miles card is one of our absolute favorite business credit cards for those who are strictly interested in earning rewards on odd categories of business spending.

We like this card because it earns an unlimited 2x Capital One miles per dollar spent on every purchase for your business. That’s equal to a return on spending of 3.6%; plus, earn 5x miles on hotels and rental cars booked through Capital One Travel.

You’ll also be able to fly through security with a statement credit for either the $85 TSA PreCheck application fee or the $100 Global Entry application fee.

The Capital One Spark Miles card offers fraud coverage, complimentary concierge service, auto rental insurance, and purchase security.

Hot Tip: Store-specific credit cards, like those offered by The Home Depot, may offer special financing but not as much cash-back (if any) or rewards as other cards mentioned on our list.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Business Platinum Card^® from American Express, click here.
For rates and fees of The Blue Business^® Plus Credit Card from American Express, click here.