Editor’s note: This is a recurring post with regularly updated card details.
The best business store credit cards let you save money on your everyday expenses in the form of discounts, reward points, or cash back while building your business credit. When deciding which business store cards are right for you, consider your spending habits and the merchants you frequent. Our list includes business and personal co-branded credit cards and a generic business credit card.
Here are our nine best business store cards:
- Amazon Business American Express Card: Overall best business store credit card for frequent Amazon shoppers without Amazon Prime membership
- Costco Anywhere Visa® Business Card by Citi: Best for frequent Costco shoppers with significant travel and gas expenses
- Amazon Business Prime American Express Card: Best for Amazon Prime members
- Lowe’s Business Rewards Card from American Express: Best for purchases of construction supplies at Lowe’s
- Office Depot OfficeMax Business Credit Card: Best for purchases of office supplies at Office Depot and OfficeMax with no personal guarantee
- Sam’s Club® Business Mastercard®: Best for fuel expenses with no personal guarantee
- Target Circle™ Credit Card: Best for frequent Target shoppers
- Capital One Walmart Rewards® Card: Best for frequent Walmart shoppers
- American Express Blue Business Cash: Best for those wanting fixed-rate cash back rewards and expanded buying power
Overview of the Best Business Store Credit Cards
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | ||
|---|---|---|---|---|---|
 Amazon Business American Express Card | (Overall best) frequent Amazon shoppers without Amazon Prime membership | $0 | Up to 3% cash back or 60-day term | ||
 Costco Anywhere Visa® Business Card by Citi | Frequent Costco shoppers with significant travel and gas expenses | $0, but you need a Costco membership to qualify | None | Up to 4% cash back | |
 Amazon Business Prime American Express Card | Amazon Prime members | $0, but you need a Prime membership to qualify | Up to 5% cash back or 90-day term | ||
 Lowe’s Business Rewards Card From American Express | Construction and home supplies purchases at Lowe’s | $0 | Up to 2% cash back | ||
 Office Depot OfficeMax Business Credit Card | Purchases of office supplies at Office Depot and OfficeMax with no personal guarantee | $0 | 2% cash back | ||
 Sam’s Club® Business Mastercard® | Fuel expenses with no personal guarantee | $0, but you can earn more as a Sam’s Club Plus member | Up to 5% cash back | ||
 Target Circle™ Credit Card | Frequent Target shoppers | $0 | Up to 2% cash back | ||
 Capital One Walmart Rewards® Card | Frequent Walmart shoppers | $0 | Up to 5% cash back | ||
 American Express Blue Business Cash™ | Those wanting fixed-rate cash back rewards and expanded buying power | $0 | 2% cash back |
If you want to see how a credit card stacks up against others, click Add to Compare on the cards below. Note that you can compare up to three credit cards on this page or a card here against others on our site.
Amazon Business American Express Card: Overall Best Business Store Credit Card for Frequent Amazon Shoppers Without Amazon Prime Membership
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- You choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- You choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Who Should Consider the Amazon Business American Express Card
Our overall best business store credit card is great for small business owners who frequently shop on Amazon but do not have an Amazon Prime membership. This card lets you choose between 60-day terms or 3% back on eligible purchases from Amazon Business, AWS, Amazon.com, and Whole Foods Market. It is also one of our top business cards with no annual fee.
Rewards:
- Choose between 60-day terms or 3% cash back on the first $120,000 in eligible purchases from Amazon Business, AWS, Amazon.com, and Whole Foods Market
- 2% cash back at restaurants, gas stations, and on wireless phone services
- 1% cash back on all other purchases
Other benefits:
- Receive a $100 Amazon Gift Card upon card approval
- Enjoy $0 annual and foreign transaction fees
- Issue employee cards at no additional cost
- Connect your card transactions and auto-categorize them in QuickBooks
Take note of the following considerations:
- It offers one of the lowest 0% introductory periods of the cards on our list.
- It does not allow balance transfers.
Costco Anywhere Visa® Business Card by Citi: Best for Frequent Costco Shoppers With Significant Travel & Gas Expenses
Costco Anywhere Visa® Business Card by Citi
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Who Should Consider the Costco Anywhere Visa® Business Card by Citi
If you are a small business owner and have an active Costco membership, then this card is a viable option. You can earn up to 4% cash back on selected spending categories, and it lets you enjoy a $0 annual fee—as the fee is already included in your paid Costco membership.
Rewards:
- 4% cash back for the first $7,000 on eligible gas and EV charging stations, then 1% cash back thereafter
- 3% cash back on restaurants and eligible travel, including Costco Travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Other benefits:
- Enjoy $0 annual (with your paid Costco membership) and foreign transaction fees
- Offers damage theft purchase protection for purchases made within 120 days of purchase (90 days for New York residents)
- Receive contact from Citi® through text, email, phone, or mail on suspicious card activity
Take note of the following considerations:
- It requires you to have an active Costco membership to qualify for the card.
- It does not have a welcome offer.
- It does not offer a 0% introductory period on purchases and balance transfers.
Amazon Business Prime American Express Card: Best for Amazon Prime Members
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Who Should Consider the Amazon Business Prime American Express Card
Business owners who shop at Amazon frequently and have Amazon Prime membership should consider this card. It offers longer interest-free terms and higher cash back rewards as compared to the Amazon Business American Express Card.
Rewards:
- Choose between 90-day terms or 5% cash back on the first $120,000 in eligible purchases from Amazon Business, AWS, Amazon.com, and Whole Foods Market
- 2% cash back at restaurants, gas stations, and on wireless phone services
- 1% cash back on all other purchases
Other benefits:
- Secure a $125 Amazon.com gift card upon card approval
- Enjoy $0 foreign transaction fees
- Extend your purchases’ warranty by an additional year (applicable for warranties of five years or less)
Take note of the following considerations:
- It requires you to have an active Amazon Prime membership—which costs $139 a year.
- Its interest-free period is shorter compared to other cards in this guide.
Lowe’s Business Rewards Card From American Express: Best for Purchases of Construction Supplies at Lowe’s
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases.
- Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply.
Pros
- $0 annual fee
- 5% off at Lowe’s
Cons
- No 0% introductory APR period
- Balance transfers aren't allowed
- Low cash back rewards at Lowe's after introductory period
- Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases.
- Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply.
Pros
- $0 annual fee
- 5% off at Lowe’s
Cons
- No 0% introductory APR period
- Balance transfers aren't allowed
- Low cash back rewards at Lowe's after introductory period
- Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
All information about the American Express Lowe’s Business Rewards Card has been collected independently by Fit Small Business.
Who Should Consider the Lowe’s Business Rewards Card From American Express
This card is optimal for those who shop at Lowe’s frequently. Its $0 annual fee and the introductory cash back you can earn from eligible purchases at Lowe’s make up for the lack of a 0% introductory period on purchases and balance transfers.
Rewards:
- Introductory 5% cash back on eligible purchases at Lowe’s for the first six months from the date of account opening
- 2% cash back on eligible purchases from restaurants, office supply stores, and wireless telephone services purchased directly from U.S. service providers
- 1% cash back on all other purchases
Other benefits:
- Issue employee cards at no additional cost
- Automatically connect the purchases made with your card to QuickBooks
- Receive a year-end summary of all of your charges to help manage your account online
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges foreign transaction fees.
- It does not allow balance transfers.
Office Depot OfficeMax Business Credit Card: Best for Purchases of Office Supplies at Office Depot and OfficeMax With No Personal Guarantee
Office Depot® OfficeMax® Business Credit Card
BEST FOR:
Those who regularly make purchases at Office Depot and OfficeMax
Intro APR
None
Regular APR
23.99%
Annual Fee
$0
Credit Needed
Fair
- 2% back on supplies, furniture, technology, and other eligible items
- Members-only savings that are only available to Rewards members, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases
- $2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)
Pros
- With rewards for new and existing cardholders
- Available to applicants with Fair credit
- Charges $0 annual fees
Cons
- Need for you to be enrolled in the Rewards Program to get cashback rewards
- Can only be used at Office Depot and OfficeMax stores
- Office Depot® OfficeMax® Rewards Program: A free program where active members can get up to 2% cashback in rewards on their go-to supplies, furniture, equipment, and more.
- Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.
Intro APR
None
Regular APR
23.99%
Annual Fee
$0
Credit Needed
Fair
- 2% back on supplies, furniture, technology, and other eligible items
- Members-only savings that are only available to Rewards members, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases
- $2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)
Pros
- With rewards for new and existing cardholders
- Available to applicants with Fair credit
- Charges $0 annual fees
Cons
- Need for you to be enrolled in the Rewards Program to get cashback rewards
- Can only be used at Office Depot and OfficeMax stores
- Office Depot® OfficeMax® Rewards Program: A free program where active members can get up to 2% cashback in rewards on their go-to supplies, furniture, equipment, and more.
- Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.
Who Should Consider the Office Depot OfficeMax Business Credit Card
If you’re a business owner who primarily needs office supplies, shops at Office Depot and OfficeMax, and doesn’t need a personal guarantee, then this store business credit card is for you. It offers the choice to either secure flexible payments or pay your balances in full. It’s not surprising that it is also on our list of the best business cards with no personal guarantee.
Rewards:
- 2% back on supplies, furniture, technology, and other eligible items
- $2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)
Other benefits:
- Save $50 on your first $150 in purchase
- Receive exclusive offers, sneak previews, and special savings
- Enjoy $0 annual fees
Take note of the following considerations:
- Its rewards are limited to purchases made at Office Depot and OfficeMax stores.
- It requires you to be enrolled in the rewards program to get cash back rewards.
Sam’s Club® Business Mastercard®: Best for Fuel Expenses With No Personal Guarantee
Sam’s Club® Business Mastercard®
BEST FOR:
5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations
Intro APR
None
Regular APR
20.90% for Account Type 1 and 28.90% for Account Type 2
Annual Fee
$0—Sam's Club PLUS membership fee is $50 or $110 per year
Credit Needed
Good to Excellent
- Earn 5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations, 3% on all Sam’s Club purchases, 3% back at restaurants, and 1% on all other eligible purchases
Pros
- $0 annual fee
- $0 foreign transaction fees
Cons
- Need to be a Sam’s Club member to qualify
- Does not have 0% introductory APR on purchases
- Must be a Sam’s Club Plus membership to maximize rewards
- 600 branches: Sam’s Club has around 600 branches across the US and Puerto Rico.
- 2-in-1 card: This credit card can also be your Sam’s Club membership card.
- Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
- Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
Intro APR
None
Regular APR
20.90% for Account Type 1 and 28.90% for Account Type 2
Annual Fee
$0—Sam's Club PLUS membership fee is $50 or $110 per year
Credit Needed
Good to Excellent
- Earn 5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations, 3% on all Sam’s Club purchases, 3% back at restaurants, and 1% on all other eligible purchases
Pros
- $0 annual fee
- $0 foreign transaction fees
Cons
- Need to be a Sam’s Club member to qualify
- Does not have 0% introductory APR on purchases
- Must be a Sam’s Club Plus membership to maximize rewards
- 600 branches: Sam’s Club has around 600 branches across the US and Puerto Rico.
- 2-in-1 card: This credit card can also be your Sam’s Club membership card.
- Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
- Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
Who Should Consider the Sam’s Club® Business Mastercard®
Small business owners who have significant fuel expenses and do not want a personal guarantee may want this card. It is also excellent if you have an active Sam’s Club® membership because it can be used as your membership card. It’s no surprise that it is one of our best business cards with no personal guarantee.
Rewards:
- 5% cash back on eligible gas stations and electric vehicle (EV) charging stations anywhere for the first $6,000 spent per year, then 1% cash back if the cap is met
- 3% cash back on Sam’s Club purchases with Plus membership (1% cash back for Club members only) and on dining and takeout
- 1% cash back on other purchases
Other benefits:
- Get a $30 statement credit after spending at least $30 in Sam’s Club® purchases within the first 30 days from the date of account opening
- Enjoy $0 annual and foreign fees
- Add an authorized user to help manage your Sam’s Club online management account
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- You are required to have an active Sam’s Club membership to qualify and maximize rewards.
Target Circle™ Credit Card: Best for Frequent Target Shoppers
Target Circle™ Credit Card
BEST FOR:
Those who exclusively secure goods at Target
Intro APR
None
Regular APR
29.95% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- 5% off everyday at Target and Target.com
- 2% cash back on dining and gas purchases
- 1% cash back on all other purchases made outside of Target
Pros
- Earn premium discounts on all eligible Target purchases
- Enjoy $0 annual fees
- Take advantage of free shipping on purchases made at Target.com
Cons
- Only use the card at Target and Target.com
- Not have 0% introductory period on purchases and balance transfers
- Receive a free 2-day shipping on hundreds of thousands items found at Target.com
- Get an additional 30 days for returns and exchanges at Target
- Secure access to Target Circle™ Credit Card exclusives and offers such as discounts from Starbucks, specialty gift cards, and same-day delivery purchases placed on Target.com
Intro APR
None
Regular APR
29.95% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- 5% off everyday at Target and Target.com
- 2% cash back on dining and gas purchases
- 1% cash back on all other purchases made outside of Target
Pros
- Earn premium discounts on all eligible Target purchases
- Enjoy $0 annual fees
- Take advantage of free shipping on purchases made at Target.com
Cons
- Only use the card at Target and Target.com
- Not have 0% introductory period on purchases and balance transfers
- Receive a free 2-day shipping on hundreds of thousands items found at Target.com
- Get an additional 30 days for returns and exchanges at Target
- Secure access to Target Circle™ Credit Card exclusives and offers such as discounts from Starbucks, specialty gift cards, and same-day delivery purchases placed on Target.com
Who Should Consider the Target Circle™ Credit Card
If you exclusively shop at Target and on Target.com for your business needs, then this credit card is a great option. Aside from earning cash back, you can get free shipping and a return policy on purchases made at Target and on Target.com.
Rewards:
- 5% off every day at Target and Target.com
- 2% cash back on dining and gas purchases
- 1% cash back on all other purchases made outside of Target
Other benefits:
- Save $50 on future qualifying purchases of $50 and above after card approval
- Receive free 2-day shipping on hundreds of thousands of items found on Target.com
- Get an additional 30 days for returns and exchanges at Target
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- Its rewards are limited to purchases made at Target and on Target.com.
Capital One Walmart Rewards® Card: Best for Frequent Walmart Shoppers
Capital One Walmart Rewards® Card
BEST FOR:
Those who frequently shop for goods at Walmart
Intro APR
None
Regular APR
29.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- 5% cash back on purchases made at Walmart.com, including pickup and delivery
- 2% cash back on purchases made at Walmart stores, restaurants, and travel
- 1% cash back on all other purchases
Pros
- Lets you earn premium rewards on purchases made at Walmart and Walmart.com
- Lets you enjoy $0 annual fees
Cons
- Only lets you earn premium rewards if you make purchases at Walmart and Walmart.com
- Does not offer a 0% introductory period on purchases and balance transfers
- Receive $0 fraud liability coverage in case your card gets lost or stolen
- Redeem your earned cash back in multiple ways—as check, as statement credit, as gift cards, as travel, and as coverage for a purchase
Intro APR
None
Regular APR
29.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- 5% cash back on purchases made at Walmart.com, including pickup and delivery
- 2% cash back on purchases made at Walmart stores, restaurants, and travel
- 1% cash back on all other purchases
Pros
- Lets you earn premium rewards on purchases made at Walmart and Walmart.com
- Lets you enjoy $0 annual fees
Cons
- Only lets you earn premium rewards if you make purchases at Walmart and Walmart.com
- Does not offer a 0% introductory period on purchases and balance transfers
- Receive $0 fraud liability coverage in case your card gets lost or stolen
- Redeem your earned cash back in multiple ways—as check, as statement credit, as gift cards, as travel, and as coverage for a purchase
Who Should Consider the Capital One Walmart Rewards® Card
Business owners who get their goods from Walmart will want to consider this card. On top of earning up to 5% cash back on selected spending categories, you can enjoy $0 annual fees and multiple ways to redeem your earned cash back.
Rewards:
- Introductory 5% cash back on purchases made in Walmart stores for the first 12 months from the date of card approval after using your Capital One Walmart Rewards® Card with Walmart Pay
- 5% cash back on purchases made on Walmart.com, including pickup and delivery
- 2% cash back on purchases made at Walmart stores, restaurants, and travel
- 1% cash back on all other purchases
Other benefits:
- Earn 5% cash back
- Enjoy $0 annual fees
- Receive $0 fraud liability coverage in case your card gets lost or stolen
- Redeem your earned cash back in multiple ways—as a check, a statement credit, gift cards, travel, or coverage for a purchase
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It does not allow balance transfers.
American Express Blue Business Cash™: Best for Those Wanting Fixed-rate Cash Back Rewards and Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, 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.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, 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.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Who Should Consider the American Express Blue Business Cash™
If you don’t want to worry about having multiple store-specific credit cards, this is a great general-use business credit card. It offers expanded buying power, which lets you spend beyond your credit limit after meeting certain criteria. Also, it lets you earn 2% cash back on your first $50,000 purchases and has an easy approval process, which is why it tops our lists of the leading small business credit cards and top instant approval business cards.
Rewards:
- 2% cash back on the first $50,000 in purchases; then 1% cash back after the cap is met
Other benefits:
- Get a $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- Enjoy $0 annual fees
- Take advantage of the 0% introductory period on purchases for the first 12 billing cycles
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges foreign transaction fees.
- It does not allow cash advances.
How We Selected the Best Business Store Cards
When choosing the best business store credit cards, we first considered the biggest retailers in the U.S. in terms of revenue and their card counterparts that provide opportunities to save on expenses through rewards and special discounts. We also take into account the fees, other benefits, and whether the card can be used at other merchants or not.
Frequently Asked Questions (FAQs)
Business store cards are co-branded credit cards that are usually exclusive for use at particular stores—however, some store cards are also accepted at other merchants. They offer premium rewards, special discounts, and exclusive perks. They usually have lenient credit requirements, less robust features, lower credit limits, and higher APRs compared to traditional business credit cards.
Business store credit cards are ideal for business owners who frequently do business with the store where the card is associated. For instance, if you regularly shop at Amazon for your business, then getting an Amazon business credit card is a practical decision. Business store credit cards are also a great option for business owners who won’t qualify for a traditional business credit card and don’t need a high credit limit and strong features.
The best business store credit cards offer retailer-specific benefits that you may find valuable, especially if you frequently shop at a certain store. These benefits include exclusive discounts, special offers, higher rewards, and expedited shipping, among others. Plus, store cards usually come with less strict credit requirements and easy-to-obtain welcome bonuses.
Bottom Line
The best business store cards let you earn premium rewards on your store-specific purchases and enjoy special benefits exclusive to cardholders. To decide which store card is right for you, consider your spending habits and where your company spends the most. If you need to use the card for other business expenses, consider a store card that can be accepted at other merchants.
