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A real estate agent credit card is essential for charging everyday expenses like gas, travel, dining, and supplies. The best credit card for real estate agents lets you earn rewards for business expenses where you usually spend the most and allows you to save on credit costs through reasonable fees and 0% APR Annual percentage rate offers. Make sure to also consider other factors like credit limit, cash flow flexibility, and the ability to build credit.
Here are the seven best business credit cards for real estate agents:
- American Express® Business Gold Card: Overall best credit card for realtors with premium rewards on the top two expense categories
- The Blue Business® Plus Credit Card from American Express: Best for Expanded Buying Power
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for recurring software expenses and up to 5% cash back
- card_name: Best for high rewards rate on online advertising and travel
- card_name: Best for travel rewards and perks
- card_name: Best for straightforward cash back and lucrative welcome offer
- Signify Business Cash℠ Card by Wells Fargo: Best for premium fixed-rate cash back
Overview of the Best Credit Cards for Real Estate Agents 2024
Best For | Annual Fee | Ongoing Rewards | Credit Needed | |||
|---|---|---|---|---|---|---|
 American Express® Business Gold Card | Overall best real estate agent credit card with premium rewards on the top two expense categories | $375 | 100,000 Membership Rewards® Points | Up to 4x points | Good to Excellent | |
 American Express Blue Business® Plus | Expanded Buying Power | $0 | 15,000 Membership Rewards® Points | Up to 2x points | Good to Excellent | |
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Recurring software expenses and up to 5% cash back | $0 | $750 cash back | Up to 5% cash back | Good to Excellent | |
 card_name | High rewards rate on online advertising and travel | $95 | 90,000 bonus points | Up to 5x points | Good to Excellent | |
 card_name | Travel rewards and perks | $0 intro for first year; $95 after that | 50,000 miles | Up to 5x miles | Good to Excellent | |
 card_name | Straightforward cash back and lucrative welcome offer | $0 | $900 bonus cash back | Up to 5% cash back | Good to Excellent | |
 Signify Business Cash℠ Card by Wells Fargo | Premium fixed-rate cash back | $0 | $500 cash rewards bonus | 2% | Good to Excellent |
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.
American Express® Business Gold Card: Best for Earning Premium Rewards on Your Top Two Expense Categories
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
0% on purchases
Regular APR
18.74% - 27.74% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
0% on purchases
Regular APR
18.74% - 27.74% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Why We Like It
The American Express®® Business Gold Card is our overall best credit card for real estate agents because it comes with premium rewards on your top two spend categories and a generous welcome offer. It is ideal for real estate agents who want to maximize their earning potential without having to monitor their expense categories. Plus, with its substantial welcome offer spending requirement, you can possibly get a high credit limit, which is why it is one of the best high-limit business cards.
Ongoing Rewards
- 4x Membership Rewards® points on your top two spending categories Eligible categories include: Media providers for advertising and select media (online, TV, radio); Electronic goods retailers and software & cloud system providers; Restaurants (including takeout and delivery); Gas stations; Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways, and; Monthly wireless telephone service charges made from a wireless telephone service provider
- 3x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1x Membership Rewards® points on all other eligible purchases
- 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first three months from the date of account opening
- 0% APR for the first six months from the date of account opening on purchases eligible for Pay Over Time
• Eligible charges can be paid over time, up to the amount of your Pay Over Time Limit on your account.
• You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.
• You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance. - Up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub, and office supply stores
- Up to $12.95 statement credit monthly for Walmart+ membership
- No preset spending limit—enjoy a flexible credit limit that adjusts based on your card usage, credit history, payment behavior, and other financial considerations
- $0 foreign transaction fees
The Blue Business® Plus Credit Card from American Express: Best for Expanded Buying Power
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- 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 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- 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 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Why We Like It
The Blue Business® Plus Credit Card from American Express is a versatile real estate agent credit card with fixed-rate points rewards and Expanded Buying Power. This feature lets you spend over your credit limit when you need to based on your credit standing, card usage, payment history, and other factors. It also offers unlimited rewards on your purchases with $0 annual fees. It is also our top-selected business credit card for startups.
Ongoing Rewards
- 2x points on the first $50,000 in purchases, then 1x points after the cap is met
- 15,000 Membership Rewards® points after spending $3,000 in purchases within the first three months from the date of account opening
- 0% APR on purchases for the first 12 billing cycles after account opening
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Recurring Software Expenses & Up to 5% Cash Back
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® lets you earn a $100 statement credit annually for recurring software purchases like QuickBooks or FreshBooks. On top of that, it comes with lucrative rewards on spending categories that may be valuable to real estate agents, including travel, gas, dining, and cell phone services. It is chosen as our top fuel card for small businesses.
Ongoing Rewards
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases made in gas and EV charging stations, office supply stores, cell phone services providers, and restaurants
- 1% cash back on all other purchases
- $750 cash back after spending at least $6,000 in eligible net purchases within the first 180 days from the date of account opening
- U.S. Bank’s ExtendPay® Plan Note that you can receive a $0 cardmember fee offer on ExtendPay Plans opened within the first 60 days from the date of account opening. lets you pay your eligible balance over time without interest, just a small monthly fee
- 0% APR on purchases for the first 12 billing cycles after account opening
card_name: Best for High Rewards Rate on Online Advertising & Travel
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why We Like It
The card_name is great for real estate agents whose main spending revolves around online advertising and travel as you can earn a high rewards rate on these spending categories. If you travel frequently, you’ll also benefit from the 25% more rewards value when you redeem your points for travel. It is also one of our most recommended business credit cards with no foreign transaction fees.
Ongoing Rewards
- 5x points on Lyft rides until March 2025
- 3x points on the first $150,000 spent in combined purchases in selected spending categories Eligible categories include: Shipping purchases, Advertising purchases, Internet/cable/phone services, and Travel.
- Unlimited 1x point per dollar spent when the cap is reached and on all other purchases
- 90,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening
- $0 foreign transaction fees
- Low annual fee
- Flexible redemption options let you redeem rewards for cash back, gift cards, travel experiences, and more—you can also transfer points to airline and hotel partners at 1:1 value
card_name: Best for Travel Rewards & Perks
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Why We Like It
The card_name is loaded with travel perks, making it an excellent choice for real estate agents who travel often. On top of receiving up to 5x miles on your purchases, which you can use for travel-related purchases, you can enjoy other travel perks like up to $100 credit for Global Entry or TSA PreCheck® and Lifestyle Collection benefits. There’s no wonder it is selected as one of the best business credit cards for travel.
Ongoing Rewards
- 5x miles on hotels and rental cars booked through Capital One Travel
- 2x miles on all other purchases
- $0 foreign transaction fee
- $0 annual fee for the first year, then pay only $95 thereafter
- 50,000 miles—equal to $500 in travel—when you spend $4,500 on purchases within the first three months of account opening
- Lifestyle collection benefits, including a $50 experience credit, room upgrades when available, and more
card_name: Best for Straightforward Cash Back & Lucrative Welcome Offer
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Why We Like It
The card_name is a simple rewards real estate agent credit card that lets you earn up to 5% cash back and a generous welcome offer. You’ll receive $900 when you spend $6,000 in purchases within the first three months of opening an account. Plus, it charges $0 annual fees so you can save on overall credit costs. Its simplicity is the reason why we chose this card as our leading business credit card for self-employed individuals.
Ongoing Rewards
- 5% cash back on Lyft rides through March 2025
- 1.5% cash back on all other purchases
- 0% APR on purchases for the first 12 billing cycles
- Flexible redemption options allows you to use your cash back for a statement credit, gift cards, travel, and merchandise through Chase Ultimate Rewards®
Signify Business Cash℠ Card by Wells Fargo: Best for Premium Fixed-Rate Cash Back
Signify Business Cash℠ Card by Wells Fargo
Intro APR
0% for 12 months
Regular APR
18.49% to 26.49% variable
Annual Fee
$0
Credit Needed
Good, Excellent
- 2% cash rewards on all purchases with no categories to track, and no limit to the amount of rewards you can earn
Pros
- $0 annual fee
- High flat-rate rewards compared to most credit cards
- 0% APR for 12 months
Cons
- Balance transfer not allowed
- Charges foreign transaction fee
- Wells Fargo Mobile® app
- Complimentary Priority Pass™ membership
- Zero Liability Protection
- Mastercard ID Theft Protectiontrademark™
- MasterRental Insurance Coverage
Intro APR
0% for 12 months
Regular APR
18.49% to 26.49% variable
Annual Fee
$0
Credit Needed
Good, Excellent
- 2% cash rewards on all purchases with no categories to track, and no limit to the amount of rewards you can earn
Pros
- $0 annual fee
- High flat-rate rewards compared to most credit cards
- 0% APR for 12 months
Cons
- Balance transfer not allowed
- Charges foreign transaction fee
- Wells Fargo Mobile® app
- Complimentary Priority Pass™ membership
- Zero Liability Protection
- Mastercard ID Theft Protectiontrademark™
- MasterRental Insurance Coverage
Why We Like It
With the Signify Business Cash℠ Card by Wells Fargo, you’ll receive a fixed premium cash back rate of 2% on all purchases, which can be used for statement credit, gift cards, travel, and more. This makes it a great option for real estate agents who don’t want to keep track of spending categories. On top of this, it comes with a $0 annual fee and a lucrative welcome offer when you meet the spending requirement. It is also recommended as one of the best business credit cards for sole proprietors.
Ongoing Rewards
- Unlimited 2% cash back on all business-related purchase
- $500 cash rewards bonus when you spend $5,000 in the first three months of account opening
- 0% APR on purchases for the first 12 months
- No expiry for cash rewards for as long as the account is open and in good standing
How We Selected the Best Credit Cards for Real Estate Agents
The best credit card for real estate agents includes ways to save money on your most frequently purchased items and services. When selecting the best real estate agent credit cards, we prioritized introductory and ongoing rewards, welcome offers, introductory and ongoing APRs, and categories where real estate agents typically spend the most.
Frequently Asked Questions (FAQs)
Real estate agents are recommended to apply for a business credit card to avoid commingling business and personal expenses. Since real estate agents incur business-related expenses—such as travel, gas, dining, and office supplies—having a business credit card will help keep business financial transactions organized, which is essential when tax season comes.
To find the best real estate agent credit card, consider the following factors:
- Rewards: Choose the best credit card for real estate agents that offers rewards that align with your spending needs.
- Redemption options: Check the redemption options provided and make sure to choose the one that provides the most value to your business.
- Fees: Consider the fees associated with the card to help you decide which one is right for you. Check all costs associated with the card, like annual fees, APRs, fees for foreign transactions, balance transfers, and cash advances.
- Credit requirements: Determine the credit score required by the card issuer and see if your score can qualify.
Yes, real estate agents need to build business credit so they can secure other financing options that can help them grow their business.
Bottom Line
When you’re choosing the best credit card for real estate agents, consider which ones fit your budget and payment habits. Also, check whether a card with restricted spend categories or a card with unlimited, fixed-rate rewards would benefit you the most. A card that can help you build business credit is beneficial because it can help you qualify for a wide range of business financing options in the future.
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.
