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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, APRsannual 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
- 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 & 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 & Expanded Buying Power
- How We Selected the Best Business Store Cards
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best Business Store Credit Cards
| Best For | Annual Fee | Welcome OfferYou need to meet certain spending requirements to be eligible for the welcome offer. | 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 | Apply nowRates & Fees |
 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 | Apply now |
 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 | Apply nowRates & Fees |
 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 | Apply now |
 Target Circle™ Credit Card | Frequent Target shoppers | $0 | $50 off | Up to 2% cash back | Apply now |
 The American Express Blue Business Cash™ Card | Fixed-rate cash-back rewards and expanded buying power | $0 | $250 statement credit | 2% cash back | Apply nowRates & Fees |
If you want to see how a credit card stacks up against others, click
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Amazon Business American Express Card: Overall Best Business Store Credit Card for Frequent Amazon Shoppers Without Amazon Prime Membership
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 26.24% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Disclosure: All information about Amazon Business American Express Card has been collected independently by Fit Small Business.
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
| 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 |
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
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 26.24% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Disclosure: All information about Amazon Business Prime American Express Card has been collected independently by Fit Small Business.
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
| 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 |
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
| Intro APR | None |
|---|---|
| Regular APR | 29.95% variable |
| Annual Fee | $0 |
| Credit Needed | Good to Excellent |
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
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
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.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
Amazon Business American Express Card
Amazon Business Prime American Express Card
American Express Blue Business® Cash™
