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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 fees, APRs annual percentage rates , and other features that your business may need.
Here are the six 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
- Sam’s Club® Business Mastercard®: Best for fuel expenses with no personal guarantee
- Target Circle™ Credit Card: Best for frequent Target shoppers
- The American Express Blue Business Cash™ Card: Best for fixed-rate cash back rewards and Expanded Buying Power
Overview of the Best Business Store Credit Cards
Best For | Annual Fee | Ongoing Rewards | |||
|---|---|---|---|---|---|
 Amazon Business American Express Card | (Overall best) frequent Amazon shoppers without Amazon Prime membership | $0 | $100 Amazon gift card | 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 | $125 Amazon.com gift card | Up to 5% cash back or 90-day term | |
 Sam’s Club® Business Mastercard® | Fuel expenses with no personal guarantee | $0 (you can earn more if you pay for Sam’s Plus membership) | $60 statement credit | Up to 5% cash back | |
 Target Circle™ Credit Card | Frequent Target shoppers | $0 | $50 off | Up to 2% cash back | |
 The American Express Blue Business Cash™ Card | Fixed-rate cash-back rewards and expanded buying power | $0 | $250 statement credit | 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
18.49% - 26.49% 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
18.49% - 26.49% 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
Why We Like It
Amazon Business American Express Card is our overall best business store credit card. It’s 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.
- 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
- $100 Amazon Gift Card upon card approval
- $0 annual and foreign transaction fees
- QuickBooks integration
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
19.49% – 27.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 5% cash back on gas at Costco
- 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.
- 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
19.49% – 27.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 5% cash back on gas at Costco
- 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.
- 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
Costco Anywhere Visa® Business Card by Citi is a viable option for those with an active Costco membership. 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. You can redeem your earned cash back as an annual credit card reward certificate.
- 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
- $0 foreign transaction fees
- Travel benefits, including travel and emergency assistance, worldwide car rental insurance, travel accident insurance, and roadside assistance dispatch service
- Damage & Theft Purchase Protection provides coverage for repairs or a refund if purchased items are damaged or stolen within 120 days of purchase (90 days for New York residents)
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
18.49% - 26.49% 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
18.49% - 26.49% 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.
Why We Like It
The Amazon Business Prime American Express Card offers longer interest-free financing terms or higher rewards rates on purchases at Amazon stores. Since it requires an Amazon Prime membership, this card is ideal for those who frequently shop at Amazon to maximize rewards and benefits.
- Choose between 5% Back or 90-Day Terms 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
- $125 Amazon.com gift card upon card approval
- $0 foreign transaction fees
- Extended warranty on purchases for an additional year (applicable for warranties of five years or less)
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
20.40% for Account Type 1 or 28.40% for Account Type 2
Annual Fee
$0
Credit Needed
Good to Excellent
- Earn a $60 statement credit when you open an account between October 25 and December 5 and make at least $30 in purchases at Sam’s Club within the first 30 days.
- Enjoy 5% cash back on eligible gas purchases worldwide for the first $6,000 spent annually. After reaching the cap, you’ll earn 1% cash back.
- Get 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- Earn 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- Receive 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
Pros
- $0 annual fee
- Offers welcome bonus
- High value rewards on gas spending
- $0 foreign transaction
Cons
- No introductory reward
- Must be a Sam’s club member
- Complicated reward structure
- Scan & Go™: Skip the checkout lines by using the Sam’s Club Scan & Go app. Simply scan the items with your phone as you shop and pay directly in the app using your Sam’s Club® Business Mastercard®.
- 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
20.40% for Account Type 1 or 28.40% for Account Type 2
Annual Fee
$0
Credit Needed
Good to Excellent
- Earn a $60 statement credit when you open an account between October 25 and December 5 and make at least $30 in purchases at Sam’s Club within the first 30 days.
- Enjoy 5% cash back on eligible gas purchases worldwide for the first $6,000 spent annually. After reaching the cap, you’ll earn 1% cash back.
- Get 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- Earn 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- Receive 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
Pros
- $0 annual fee
- Offers welcome bonus
- High value rewards on gas spending
- $0 foreign transaction
Cons
- No introductory reward
- Must be a Sam’s club member
- Complicated reward structure
- Scan & Go™: Skip the checkout lines by using the Sam’s Club Scan & Go app. Simply scan the items with your phone as you shop and pay directly in the app using your Sam’s Club® Business Mastercard®.
- 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
If you have significant fuel expenses, you can earn premium rewards with Sam’s Club® Business Mastercard®. Plus, it doesn’t require a personal guarantee, making it easy for business owners to separate their personal and business liabilities. While it doesn’t require a Plus membership to qualify, you can earn more rewards if you are an active member.
- 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 a Plus membership (1% for non-Plus members)
- 3% cash back on dining
- 1% cash back on all other purchases
- $0 annual fee
- $60 statement credit when you open an account from October 25 to December 5 and use it to make $30 in Sam’s Club purchases within 30 days
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
Why We Like It
Frequent shoppers of Target and Target.com can earn generous cash-back rewards from the Target Circle™ Credit Card. You can also enjoy other benefits like a return policy on Target and Target.com purchases, exclusive discounts, and free shipping.
- 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
- Save $50 on future qualifying purchases of $50 and above after card approval
- Free 2-day shipping on hundreds of thousands of items found on Target.com
- Additional 30 days for returns and exchanges at Target
The American Express Blue Business Cash™ Card: Best for Fixed-rate Cash Back Rewards & 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
17.49% - 27.49% 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, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
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
17.49% - 27.49% 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, 17.49% – 27.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
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.)
Why We Like It
While it’s not a co-branded store card, The American Express Blue Business Cash™ Card lets you earn fixed-rate cash back on all purchases, making it an ideal option if you are buying from different merchants. On top of that, it features Expanded Buying Power, letting you spend over your credit limit based on your credit needs, credit history, payment behavior, and other financial factors.
- 2% cash back on the first $50,000 in purchases; then 1% cash back after the cap is met
- $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- $0 annual fees
- 0% introductory period on purchases for the first 12 billing cycles
How We Selected the Best Business Store Cards
When choosing the best business store credit cards, we first considered the biggest retailers in the US in terms of revenue and their card counterparts, which 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.
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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
