8 Best Business Store Credit Cards 2023
This article is part of a larger series on Best Small Business Credit Cards.
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. Also, take into account the benefits and fees associated with these cards to ensure you’re choosing one that brings the most value to your business.
Here are the eight best business store cards that you may want to consider:
- Amazon Business American Express Card: Overall best business store credit card with no membership fees, instant sign-up bonus, and various products to choose from
- 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
- Capital One CLUB Business Mastercard®: Best for outdoor sports businesses
- GM Business CardTM: Best for earning premium cash back on GM dealership parts and services
Best Business Store Credit Cards At a Glance
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Amazon Business American Express Card: Overall Best Business Store Credit Card With No Membership Fees, Instant Sign-Up Bonus, and Various Products From Which to Choose
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will 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
- $0 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.
- With rewards that don’t expire, 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: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- 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
19.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will 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
- $0 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.
- With rewards that don’t expire, 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: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- 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
Why we like it: The Amazon Business American Express Card is chosen as the best overall business store card because you can enjoy all the benefits that come with the card without having to pay an annual or membership fee. As a cardholder, you can:
- Shop for your office supplies, equipment, and other business needs at US Amazon Business, AWS, Amazon.com, and Whole Foods Market using your card and either opt for a 60-day interest-free term or choose to earn 3% cash back on these purchases on up to $120,000 per year (1% after the cap is met)
- Receive a $100 Amazon.com gift card as a welcome offer upon approval
- Earn unlimited rewards on your other purchases:
- 2% back at US restaurants, US gas stations, and US wireless telephone service providers
- 1% back on all other eligible purchases
- Pay no international fees on purchases made abroad
It is one of our best Amazon business credit cards because you don’t need to be an Amazon Prime member to qualify. However, note that balance transfer transactions are not allowed and the 0% APR period is not applicable to other purchases outside Amazon and Whole Foods Market.
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
19.99% 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
19.99% 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.
Why we like it: We recommend the Costco Anywhere Visa® Business Card by Citi for those who frequently travel, purchase gas, and shop at Costco. It offers premium rewards on these expense categories, and you can use the card anywhere Visa is accepted. Plus, you get to enjoy several other benefits. Here are the benefits of being a cardholder:
- Earn rewards on your day-to-day expenses:
- 4% cash back on gas purchases worldwide, including gas at Costco, for the first $7,000 per year, then 1% thereafter
- 3% cash back at restaurants and on eligible travel purchases worldwide, including Costco travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Pay no foreign transaction fees on international transactions
- Enjoy travel benefits, including travel and emergency assistance, worldwide car rental insurance, travel accident insurance, and roadside assistance dispatch service
- Redeem cash back as an annual credit card reward certificate
It is one of our leading fuel business credit cards because of its generous rewards on gas purchases. While it comes with no annual fee, you need to be a Costco member to qualify—membership fees range from $60 to $120 annually.
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
19.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
- $0 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.
- With rewards that don’t expire, 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
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory 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
19.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
- $0 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.
- With rewards that don’t expire, 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
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory 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.
Why we like it: If you frequently shop at Amazon stores and are willing to pay an Amazon membership fee of up to $139 per year, the Amazon Business Prime American Express Card is a suitable option. You get to enjoy the benefits of being a Prime member and an Amazon Business Prime credit cardholder. As a cardholder, you can:
- Choose a 90-day interest-free term or earn 5% cash back on US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market on the first $120,000 per year, then 1% cash back after that
- Earn cash back on other business-related purchases:
- 2% back at US restaurants, US gas stations, and US wireless telephone service providers
- 1% back on all other eligible purchases
- Receive an instant $125 Amazon.com gift card upon approval
- Use the card to shop internationally with no foreign transaction fees
As one of the top-recommended high-limit business credit cards, you could possibly get a high credit limit on this card when you meet the credit and financial requirements. Keep in mind that while it does not charge an annual fee, it is only available to Amazon Prime members. Plus, it doesn’t allow balance transfers.
Lowe’s Business Rewards Card From American Express: Best for Purchases of Construction Supplies at Lowe’s
Lowe’s Business Rewards Card from American Express
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- Plus, get $100 back in the form of a statement credit upon approval.
- 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.
- 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
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
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 p[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
Good, Excellent
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- Plus, get $100 back in the form of a statement credit upon approval.
- 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.
- 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
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
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 p[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.
Why we like it: Business owners with substantial expenses on construction supplies, such as real estate contractors and fix-and-flippers, will benefit from Lowe’s Business Rewards Card from American Express. It offers exclusive discounts and generous reward points on eligible purchases. As a cardholder, you can:
- Earn lucrative rewards:
- 5% cash back at Lowe’s on eligible purchases at Lowe’s for the first six months
- 2% cash back at Lowe’s stores after the first six months, including its online stores: Lowes.com or LowesforPros.com
- 2% cash back at US restaurants, US office supply stores, and US wireless telephone service providers
- 1% cash back on all other purchases
- Receive 5% off every day at Lowe’s on eligible purchases
- Get an automatic $100 cash back as welcome offer upon approval
- Pay $0 annual or membership fees
While it is a cobranded card, Lowe’s Business Rewards Card can be used at any merchants that accept American Express, including merchants abroad. It is worth noting, however, that it charges a 2.7% foreign transaction when used for international purchases. Also, similar to Amazon Business credit cards, 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
20.80% to 29.99% non-variable
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
Cons
- With high ongoing APR
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
20.80% to 29.99% non-variable
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
Cons
- With high ongoing APR
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.
Why we like it: If your business’s primary expenses revolve around office supplies, furniture, and equipment, consider the Office Depot OfficeMax Business Credit Card. It can be used at all Office Depot and OfficeMax stores and gives you special discounts and rewards on your purchases. It charges no annual fee and you don’t need to become a member to qualify. Here are the benefits of being a cardholder:
- Save $50 on your first purchase of $150 or higher
- Earn rewards on your purchases:
- 2% back on supplies, furniture, technology, and other eligible purchases
- $2 back when you recycle your ink and toner cartridges and spend at least $10 in in-store purchases within the same month
- $2 back for reviews (maximum of three reviews per month)
- Members-only savings
- Become a VIP and enjoy even more benefits by spending $500 in 12 consecutive months, including:
- 5% back on ink, toner, paper, and print services
- Free two-day delivery without minimum purchase requirements (except on weekends and holidays, most furniture, oversized items, and special order items)
- Exclusive perks, like birthday offers
- Choose to carry a balance with interest or pay in full
- Take advantage of exclusive offers like sneak-peek previews and special savings
As one of the top-rated business credit cards with no personal guarantee, you can qualify easily—even with a fair credit score—without being held personally liable for your business’s debts. However, the card is exclusive for use at OfficeMax and Office Depot stores only—you cannot use it at other merchants or for international purchases.
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 $110
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
- No annual fee
- No 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 $110
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
- No annual fee
- No 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.
Why we like it: Sam’s Club® Business Mastercard®, issued by Synchrony Bank, can double as your Sam’s Club membership card. It charges no annual fees and lets you earn generous cash back on gas, dining, and other purchases at Sam’s Club. You can earn more rewards if you’re willing to pay $110 for a Sam’s Club Plus membership. Here are the benefits of being a cardholder:
- Earn rewards in the form of Sam’s Cash:
- 5% back on gas anywhere Mastercard is accepted on the first $6,000 per year, then 1% back thereafter
- 3% back on Sam’s Club purchases for Plus members—non-Plus members earn 1% cash back
- 3% back on dining and takeout
- 1% back on all other purchases
- Receive a $30 bonus statement credit when you make $30 in Sam’s Club purchases within 30 days after opening an account
- Provide no personal guarantee if you meet the following qualification requirements:
- At least $5 million in annual sales revenue
- At least two years in operation
- More than 10 employees
Similar to Office Depot OfficeMax Business Credit Card, it is one of the best business credit cards with no personal guarantee. Note, however, that it doesn’t offer a 0% APR on purchases.
Capital One CLUB Business Mastercard®: Best for Outdoor Sports Businesses
Capital One CLUB Business Mastercard®
BEST FOR:
Those who are owners of outdoor sports businesses
Intro APR
N/A
Regular APR
7.99% on purchases made at Bass Pro Shops and Cabela's; and 120.24%, 23.24%, or 31.99% (variable) on other purchases and transfers
Annual Fee
None
Credit Needed
Excellent
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Lower APR and premium rewards on purchases made at Bass Pro Shops and Cabela’s
- With sign-up bonus
Cons
- Has no 0% introductory APR
- With high cash advance and penalty APR’s
- Limited redemption options
- Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
- Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
- $0 fraud liability: You won’t be held responsible for unauthorized charges if either your card’s or employees’ cards are either lost or stolen.
Intro APR
N/A
Regular APR
7.99% on purchases made at Bass Pro Shops and Cabela's; and 120.24%, 23.24%, or 31.99% (variable) on other purchases and transfers
Annual Fee
None
Credit Needed
Excellent
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Lower APR and premium rewards on purchases made at Bass Pro Shops and Cabela’s
- With sign-up bonus
Cons
- Has no 0% introductory APR
- With high cash advance and penalty APR’s
- Limited redemption options
- Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
- Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
- $0 fraud liability: You won’t be held responsible for unauthorized charges if either your card’s or employees’ cards are either lost or stolen.
Why we like it: The Capital One CLUB Business Mastercard® is best for outdoor sports businesses that frequently shop at Bass Pro Shops and Cabela’s. It lets you earn premium CLUB points on purchases at these shops—and you’ll also get to enjoy exclusive access to signature events, including hunting and fishing adventures all around the world. What’s more, you can use this card everywhere Mastercard is accepted. As a cardholder, you can:
- Earn rewards in the form of CLUB points:
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating US Cenex gas stations
- 1.5% back in CLUB points on all other purchases
- Receive $100 in CLUB points after spending $1,000 within 60 days of account approval
- Exclusive access to special events, discounts, giveaways, and offers
- Pay no annual and international transaction fees
- Enjoy a price match guarantee, plus an extra 5% off as a CLUB member
You can earn unlimited CLUB points that don’t expire as long as the account remains open and in good standing. Keep in mind, however, that CLUB points may only be redeemed at limited merchants, such as at Bass Pro Shops and Cabela’s for merchandise, including boats and ATVs, as well as at BPS Resorts, restaurants, golf courses, and the Wonders of Wildlife aquarium.
GM Business CardTM: Best for Earning Premium Cash Back on GM Dealership Parts & Services
GM Business Card™
BEST FOR:
Those who do business regularly with GM
Intro APR
0% APR
Regular APR
18.99% to 28.99% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores.
- 1% back on all other purchases
Pros
- With signup bonus
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Limited rewards redemption option
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
- Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
- Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
Intro APR
0% APR
Regular APR
18.99% to 28.99% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores.
- 1% back on all other purchases
Pros
- With signup bonus
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Limited rewards redemption option
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
- Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
- Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
Why we like it: GM Business Card™ from Marcus by Goldman Sachs® is a cobranded business credit card with General Motors. It offers premium rewards on parts and services from GM, and it also rewards other purchases. On top of that, you’ll also get to enjoy additional savings at selected merchants through Mastercard Easy Savings®. As a cardholder, you can:
- Earn unlimited rewards on purchases that don’t expire for the life of the account:
- 5% earnings on purchases of GM Genuine and ACDelco parts, eligible accessories, and services at authorized GM dealers
- 3% earnings at restaurants, gas stations, and office supply stores
- 1% earnings on all other eligible purchases
- Pay no annual, foreign transaction, balance transfer, and cash advance fees
- Build up your rewards and redeem them toward the purchase or lease of an eligible GM vehicle (Chevrolet, Buick, GMC, or Cadillac)
- Take advantage of 0% APR on purchases for the first 12 months
Similar to the Costco Anywhere Visa® Business Card by Citi, it is also one of the best fuel credit cards for small businesses. This is the only card on the list that offers an interest-free financing option on purchases. While it doesn’t offer a 0% APR period on balance transfers, it doesn’t charge a balance transfer fee, so you can still save on credit costs. Keep in mind, however, that it has limited redemption options.
How We Selected the Best Business Store Cards
When choosing the best business store credit cards, we considered cards 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 cobranded 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. Store 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. Using a business store card is a great way to help you build business credit, which is advantageous for new businesses and those with limited credit history.
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. If you need a card that offers more flexibility, visit our guide to the best small business credit cards for more options.
