9 Best Credit Cards for Real Estate Agents for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
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 credit card for real estate agents offers rewards and cash back for specific business expenses. While there aren’t any business credit cards specifically designed for the real estate industry, there are those that specialize in spend categories that real estate agents can benefit from. When selecting the best real estate agent credit card, choose one that lets you earn rich rewards from where you typically spend the most. In addition to regular business credit cards, we also included a charge card and a secured business credit card.
Here are the eight best credit cards for real estate agents:
- American Express Blue Business® Plus: Best overall credit card for real estate agents
- Bank of America Business Advantage Unlimited Cash Rewards: Best for unlimited cash back rewards
- U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard: Best for extended 0% introductory annual percentage rate (APR) and rewards on gas purchases
- Chase Ink Business Preferred®: Best for earning rewards on online advertising
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for low ongoing APR
- Capital One Spark Miles for Business: Best for earning travel rewards
- Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card: Best for real estate agents with bad credit
- Chase Ink Business Cash® Credit Card: Best for earning cash back on internet, cable, and phone services
- Capital One® Spark® Cash Plus: Best charge card with flexible credit limit
To see how these cards stack up against others we have reviewed on our site, simply click Add to Compare on a card below and select up to two additional cards for comparison.
American Express Blue Business® Plus: Best Overall Credit Card for Real Estate Agents
The Blue Business® Plus Credit Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
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
Good, Excellent
- 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.
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 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.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- 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
Good, Excellent
- 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.
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 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.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- 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 American Express Blue Business® Plus Credit Card is our best credit card for real estate agents because of its generous rewards and flexible credit limit. You can earn 2x points on the first $50,000 in purchases each year, then 1x point thereafter. It comes built-in with American Express’ Expanded Buying Power feature, which allows you to spend over your credit limit. The amount you can spend will be based on your card usage, payment behavior, and credit history.
You’ll also earn 15,000 points after spending $3,000 on eligible purchases within your first three months of membership. If you need to make a large purchase to set up your real estate office, you can take advantage of the introductory 0% APR for the first 12 months after opening an account. On top of all that, it has no annual fee, which is a great way to save on credit costs.
It’s also a great option for individuals wanting to earn points-based rewards. It’s one of our leading business credit cards for self-employed individuals and sole proprietorship businesses.
Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Cash Back Rewards
Bank of America Business Advantage Unlimited Cash Rewards Mastercard Credit Card
BEST FOR:
Those with an existing business checking account with Bank of America®
Intro APR
0%
Regular APR
16.49% - 26.49% Variable APR on purchases
Annual Fee
$0
Credit Needed
Excellent
- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases everywhere, every time.
- No annual cap and cash rewards don’t expire.
- No annual fee.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- Flexible redemption options
- Sign-up bonus
Cons
- Low cash back rewards
- No zero foreign transaction fee
- Short 0% APR period
- Travel & emergency services: This includes $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when you’re away from home.
- Online & mobile access: Manage your account anytime and anywhere through online and mobile banking.
- Balance Connect™ for overdraft protection: You have the option to link your credit card to a Bank of America® business checking account for overdraft protection to help prevent declined purchases, returned checks, or other overdrafts.
Intro APR
0%
Regular APR
16.49% - 26.49% Variable APR on purchases
Annual Fee
$0
Credit Needed
Excellent
- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases everywhere, every time.
- No annual cap and cash rewards don’t expire.
- No annual fee.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee
- Flexible redemption options
- Sign-up bonus
Cons
- Low cash back rewards
- No zero foreign transaction fee
- Short 0% APR period
- Travel & emergency services: This includes $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when you’re away from home.
- Online & mobile access: Manage your account anytime and anywhere through online and mobile banking.
- Balance Connect™ for overdraft protection: You have the option to link your credit card to a Bank of America® business checking account for overdraft protection to help prevent declined purchases, returned checks, or other overdrafts.
Why we like it: With the Bank of America® Business Advantage Unlimited Cash Rewards card, you can earn unlimited, fixed-rate cash back of 1.5% on all purchases, regardless of spending categories. This is a great option for real estate agents who have existing deposit accounts with Bank of America—you can earn up to 75% more cash back on all purchases if you qualify for the Preferred Rewards for Business.
Plus, you’ll receive a $300 statement credit when you spend at least $3,000 within 90 days of card ownership. It has no annual fee and offers 0% APR on purchases for the first nine billing cycles after opening an account. It’s also one of our top-recommended credit cards for nonprofits.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for Extended 0% Introductory APR & Rewards on Gas Purchases
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.49% - 27.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
18.49% - 27.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard gives you a 0% introductory APR on both purchases and balance transfers for the first 15 months. If you’re setting up a new real estate office, it might be a good time to make large and costly purchases interest-free.
You can also consolidate your balance from another credit card and pay it off within 15 months with zero interest. In addition, since you do a lot of driving for property visits and client calls, you can take advantage of 3% cash back at gas stations and restaurants. Because of this, it’s our choice for the best fuel credit cards for small businesses.
You’ll also enjoy 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at office supply stores and mobile phone service providers, and 1% cash back on all other purchases. As an introductory bonus, you can receive $500 cash back after spending $4,500 in the first 150 days of card ownership.
You can even earn a $100 statement credit for recurring software subscriptions, such as FreshBooks or QuickBooks, for your real estate accounting needs. There are no limits on the number of rewards you can earn, and there’s no annual fee. This is our leading business credit card with no annual fee.
Chase Ink Business Preferred®: Best for Earning Rewards on Online Advertising
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- 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 US 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
N/A
Regular APR
20.24% - 25.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- 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 US 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 Chase Ink Business Preferred® card gives you 3x points per dollar on the first $150,000 spent annually on internet, cable, phone, shipping, travel, and social media and search engine advertising. Given that advertising is one of the biggest expenses of a real estate agent, this can be a huge cost-saving benefit. After the $150,000 purchase cap—one of the highest you’ll find for a business credit card—you’ll get 1x point per dollar with no maximum.
As a welcome bonus, if you spend $15,000 during the first three months after opening an account, you get 100,000 points, which is equivalent to $1,000 cash back. You can redeem your rewards for travel, cash back, or gift cards. Keep in mind that there’s an annual fee of $95. However, with its gainful rewards, this will pay off, especially if you can meet the spending annual cap.
It’s one of our top-recommended credit cards with no foreign transaction fee, making it a good option if you often travel abroad. Moreover, you can qualify for this card even without business credit history. It’s also one of our leading business credit cards with no credit history.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders wanting to earn fixed-rate rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Does not charge annual fees
- With sign-up bonus
- Has low ongoing APR on purcahses and balance transfers
Cons
- Does not offer 0% introductory APR
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost Luggage Reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel & Emergency Assistance Services: You can call the toll-free, 24-hour Benefit Administrator line at 800-992-6029 to get assistance and referrals while traveling away from home.
- Trip Delay Reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Does not charge annual fees
- With sign-up bonus
- Has low ongoing APR on purcahses and balance transfers
Cons
- Does not offer 0% introductory APR
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost Luggage Reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel & Emergency Assistance Services: You can call the toll-free, 24-hour Benefit Administrator line at 800-992-6029 to get assistance and referrals while traveling away from home.
- Trip Delay Reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Why we like it: The PNC Cash Rewards® Visa Signature® Business Credit Card has the lowest starting APR among all other credit cards on this list, making it an excellent choice if you plan to carry a balance from time to time. Plus, you can enjoy 0% financing on purchases for the first nine billing cycles. Since it comes with a low ongoing APR, it’s one of our top business credit cards with 0% APR and outstanding business credit cards for LLC.
You can get 1.5% cash back on all business purchases, with no limit to the amount you can earn. As a welcome bonus, receive $400 if you spend $3,000 in qualifying purchases within the first three months of card ownership. You can redeem your cash back anytime as a statement credit or as a deposit into an eligible PNC business checking account or savings account.
Capital One® Spark® Miles for Business: Best for Earning Travel Rewards
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Why we like it: The Capital One® Spark® Miles for Business is an excellent option if you often travel by plane and stay at hotels. You can earn unlimited 2x miles on all purchases, regardless of spending categories. You can redeem your travel rewards for flights, hotel stays, and vacation packages. Plus, it allows you to transfer miles to any of Capital One’s travel partners. These are a few of the reasons why it’s one of our top-selected business credit cards for travel and for earning miles.
It comes with a low annual fee of $95, and it doesn’t charge balance transfer and foreign transaction fees. You’ll also enjoy up to $100 credit for Global Entry or TSA Pre✓®. What’s more, you can earn 50,000 miles, which is equal to $500 in travel, when you spend $4,500 within the first three months of card ownership.
Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card: Best for Real Estate Agents With Bad Credit
Business Advantage Unlimited Cash Rewards Secured Credit Card
BEST FOR:
Those who cannot qualify for unsecured business credit cards
Intro APR
None
Regular APR
26.49%
Annual Fee
None
Credit Needed
Poor
- Earn unlimited 1.5% cash back on all purchases
Pros
- No annual fee
- Unlimited rewards
- Builds business credit
Cons
- Security deposit is required
- No sign-up bonus
- No 0% Intro APR
- Cash flow management tools
- Travel and emergency services
- Online and mobile access
- Balance Connect™ for overdraft protection
- Zero liability protection
Intro APR
None
Regular APR
26.49%
Annual Fee
None
Credit Needed
Poor
- Earn unlimited 1.5% cash back on all purchases
Pros
- No annual fee
- Unlimited rewards
- Builds business credit
Cons
- Security deposit is required
- No sign-up bonus
- No 0% Intro APR
- Cash flow management tools
- Travel and emergency services
- Online and mobile access
- Balance Connect™ for overdraft protection
- Zero liability protection
Why we like it: If you cannot qualify for a regular unsecured business credit card because you have poor or limited credit, the Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card is your best bet. All you need to do is to make a security deposit of at least $1,000 to get qualified, and your credit limit will be based on the amount of your security deposit. It’s our best overall unsecured business credit card and the top business card for bad credit.
You can earn 1.5% cash back on all purchases without having to pay an annual fee. You can redeem your cash rewards as a deposit into your Bank of America checking account or savings account, a statement credit, or a check mailed to you. With consistent on-time payments, you can build your business credit over time, allowing you to qualify for an unsecured business credit card.
Chase Ink Business Cash® Credit Card: Best for Earning Cash Back on Internet, Cable & Phone Services
Ink Business Cash® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
17.49% - 23.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Why we like it: If you have substantial expenses on internet, cable, and phone services, the Chase Ink Business Cash® card is a good fit. It offers 5% cash back on the first $25,000 spent on those categories and on office supplies. You’ll also get 2% cash back on the first $25,000 spent at gas stations and restaurants, and 1% cash back on all other purchases. While its $25,000 limit on each account anniversary year is significantly lower than the Chase Ink Business Preferred® card, it may be a better choice if you’re working with a smaller budget.
Plus, it comes with no annual fee and a 0% introductory APR on purchases for the first 12 months. It also offers a $900 bonus cash back when you spend $6,000 on purchases in the first three months after opening an account. You can redeem your rewards for travel, for merchandise, or as a statement credit. It’s also our top-recommended limited liability company (LLC) credit card and our leading business credit card for startups because of its lucrative rewards program.
Capital One® Spark® Cash Plus: Best Charge Card With Flexible Credit Limit
Capital One® Spark® Cash Plus Card
BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
Intro APR
None
Regular APR
None. There's no APR because your balance is due in full every month. Otherwise, you'll be charged a 2.99% monthly late fee
Annual Fee
$150
Credit Needed
Excellent
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
- Earn up to $1,000 in the first six months; $500 once you spend $5,000 in the first three months, and $500 once you spend $50,000 in the first six months.
- Earn an annual $200 cash bonus every year you spend $200,000 or more.
Pros
- No preset spending limit
- Up to $1,000 cash bonus
- Unlimited 2% cash back on all purchases
- Opportunity to earn annual cash bonus
Cons
- Requires an annual fee
- Need to pay in full every month
- Requires excellent credit
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
- Roadside assistance: Emergency services such as jump-starting, tire changing, and towing
Intro APR
None
Regular APR
None. There's no APR because your balance is due in full every month. Otherwise, you'll be charged a 2.99% monthly late fee
Annual Fee
$150
Credit Needed
Excellent
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
- Earn up to $1,000 in the first six months; $500 once you spend $5,000 in the first three months, and $500 once you spend $50,000 in the first six months.
- Earn an annual $200 cash bonus every year you spend $200,000 or more.
Pros
- No preset spending limit
- Up to $1,000 cash bonus
- Unlimited 2% cash back on all purchases
- Opportunity to earn annual cash bonus
Cons
- Requires an annual fee
- Need to pay in full every month
- Requires excellent credit
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
- Roadside assistance: Emergency services such as jump-starting, tire changing, and towing
Why we like it: If you can pay your balance in full every month and want flexible purchasing power, the Capital One® Spark® Cash Plus is a suitable option. It’s a charge card, so it comes with no APR. With a charge card, your full balance is due each month. Failure to pay your full balance will result in a 2.99% monthly late fee. Another great thing about this card is that it doesn’t have a preset credit limit. This means your credit limit adapts to your needs based on your spending behavior, payment history, and credit score.
It offers generous rewards—you’ll receive 5% cash back on hotels and rental cars booked through Capital One Travel, and unlimited 2% cash back on all other purchases. Plus, you can earn up to $1,000 as a welcome bonus—receive $500 after spending $5,000 in the first three months, and another $500 after you spend $50,000 in the first six months. While it comes with a $150 annual fee, you can earn an additional $200 annual cash bonus if you spend $200,000 or more.
Being one of our top-ranking business credit cards with instant approval, you can get approved for this card quickly if you have an excellent credit score.
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 evaluating the best real estate agent credit cards, we prioritized introductory and ongoing rewards, sign-up bonuses, introductory and ongoing APRs, and spending categories most often used by real estate agents.
Bottom Line
When you’re thinking about which credit card to choose for your real estate business, consider which ones fit your budget. If the rewards are substantial and practical for your use, then an annual fee might be worth it. Also, check whether a card with restricted spend categories or a card with unlimited, fixed-rate rewards would benefit you the most. For other options, visit our Credit Card Marketplace and read our best small business credit cards guide.
