Which business credit card should I use for office supplies?

Your Business Credit with Elaine Pofeldt

Elaine Pofeldt is a journalist whose articles on entrepreneurship and careers have appeared in Fortune, Working Mother, Money and many other publications. She is a former senior editor at Fortune Small Business magazine and an entrepreneur herself, as co-founder of 200kfreelancer.com. Her book, “The Million-Dollar, One-Person Business,” was released in 2018. She writes "Your Business Credit," a weekly column about small business and credit, for CreditCards.com.

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I have excellent credit and am looking for a business credit card that offers rewards on office supplies. Which one would you suggest?

Thanks to your excellent credit, you have a variety of options of business credit cards that offer rewards on office supplies to choose from. Some of them include:

  1. The Ink Business Cash Credit Card 
  2. Bank of America Business Advantage Cash Rewards Mastercard
  3. Blue BusinessSM Plus Credit Card from American Express
  4. The Capital One Spark Cash Select for Business
Expert Q&A

Check out all the answers from our credit card experts.

Dear Your Business Credit,
I am starting a small professional services business with a friend from my industry. We’re going to be opening an office and will need to stock up on office supplies for ourselves and several employees. What business credit card would offer us good rewards for office supplies? We both have excellent credit. – Mia

Dear Mia,
You and your business partner are both in the lucky position of having a variety of options to choose from when it comes to business credit cards, thanks to your excellent credit.

There are currently many credit cards offering rewards for businesses that buy office supplies, so you may want to take stock of any other types of purchases you’ll be making to see which card is right for you.

See related: Best business credit cards

Business credit cards for office supplies

The Ink Business Cash Credit Card

  • Unlimited 5 percent cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services upon each account anniversary year.
  • No annual fee.
  • An introductory bonus of $500 after spending $3,000 in the first three months.
  • 0 percent APR for 12 months on purchase and balance transfers.
  • 1 percent cash back on all other card purchases.

The Bank of America Business Advantage Cash Rewards Mastercard

  • It offers 3 percent cash back on purchases at gas stations and office supply stores, with a cap of $250,000 each calendar year (1 percent after that). 
  • No annual fee.
  • 0 percent introductory APR on purchases for your first nine billing cycles.
  • A $200 statement credit when you make at least $500 in net purchase within the first 60 days of opening up your account. 
  • In case you also expect to entertain clients, it offers 2 percent on purchases at restaurants and 1 percent on all other purchases.
Tip

Tip: Regardless of the card you choose, keep track of when any 0 percent deal you select expires. When it does, consider doing a balance transfer to another 0 percent interest card to avoid paying interest on any balance you're carrying.

The Blue BusinessSM Plus Credit Card from American Express

  • It offers 2x points on routine business purchases such as office supplies and client dinners. 
  • After you hit a $50,000 cap, you get 1 point per dollar spent. 
  • No annual fee.
  • 0 percent APR on purchase and balance transfers for 15 months.

The Capital One Spark Cash Select for Business

  • You can get unlimited 1.5 percent cash back on all of your purchases.
  • A $200 cash bonus once you spend $3,000 on purchases within three months of opening your account. 
  • 0 percent interest for the first nine months, then 14.49-22.49 percent (variable).

As you can see, there are plenty of business credit card options to choose from. If you buy a lot of office supplies on your credit card, those savings in interest and cash back could be substantial

Just make sure you keep track of when the 0 percent introductory interest period expires and pay off any balance to avoid incurring interest charges.


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Updated: 08-19-2018