6 Best Credit Cards for Real Estate Agents in 2022
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.
Andrée Kirk is a Staff Writer at Fit Small Business, specializing in Small Business Banking and Credit Cards.
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 card for a real estate agent is one that gives you rewards and cash back for your specific business expenses. While there aren’t any business credit cards specifically designed for the real estate industry, there are cards that specialize in spend categories that real estate agents can benefit from. Advertising, office supplies, phone, gas, and gift card purchases are just some of the expenses you can gain points or cash back from. We’ve selected the cards that reward you the most for your business purchases.
Here are the six best credit cards for real estate agents:
- American Express® Business Gold Card: Best overall credit card for real estate agents
- Chase Ink Business Cash®: Best for cash back rewards on office supplies
- Chase Ink Business Unlimited®: Best for unlimited cash back rewards
- Chase Ink Business Preferred®: Best for internet, cable, and phone 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
- Wells Fargo Business Platinum: Best for discounts on gift card purchases
Want to compare the features of one card to another? We’ve made it easy for you to do just that! Simply check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
American Express® Business Gold Card: Best Overall Credit Card for Real Estate Agents
American Express® Business Gold 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 rewards in the two categories where you spend the most
Intro APR
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *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 of $295
- 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 change, 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
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *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 of $295
- 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 change, 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 brings rewards and perks that deliver. For the first $150,000 in combined purchases, you get 4x Membership Rewards® points per $1 on the two categories where you spend the most. Your business can benefit from rewards earned on everyday real estate expenses, such as advertising―online, television, and radio―gas stations, and restaurants, including takeout and delivery. One-time or recurring purchases of computer hardware, software, and cloud solutions are also eligible, and 1x points are earned on all other purchases.
Redeem points for gift cards, technology, fashion, home and outdoor, entertainment, and more. Although it has the highest annual fee on this list at $295 as a welcome offer, you can earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months of card ownership. It wouldn’t be an American Express card without substantial travel rewards. Get 25% of your points back if you redeem your points through Amex Travel, up to 250,000 points back each calendar year. You can also use points toward Amex’s 22 hotel and airline partners, serving both domestic and international flights.
Chase Ink Business Cash®: Best for Cash Back Rewards on Office Supplies
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
13.49% - 19.49% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 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 3 years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
13.49% - 19.49% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 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 3 years or less.
Why we like it: If you lead a real estate team and have recurring office expenses, you’ll receive 5% cash back on office supplies, internet, cable, and phone up to $25,000 with the Chase Ink Business Cash® card. 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 with zero limits or restrictions. While the $25,000 limit on each account anniversary year is significantly less than the Chase Ink Business Preferred® card, it may be a better choice if you’re working with a smaller budget, and there’s no annual fee.
Plus, you also get a 0% introductory APR for interest-free purchases for the first 12 months. Since cash back rewards are tracked as points, you can redeem your rewards for travel, merchandise, or cash back as a statement credit.
Chase Ink Business Unlimited®: Best for Unlimited Cash Back Rewards
Ink Business Unlimited® 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:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
13.49% - 19.49% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 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.
- 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.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 US 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
13.49% - 19.49% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 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.
- 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.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 US 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’re always on the go and prefer not to keep track of spending categories, the Chase Ink Business Unlimited® card conveniently offers an unlimited 1.5% cash back on any purchase, with no cap and no annual fee. You can earn rewards for real estate purchases that don’t fit into typical spend categories, such as printed materials with listing information, open house signs and banners, branded promotional items, or gifts for your clients. This card also offers a 0% introductory APR on purchases for the first 12 months.
As a welcome offer, you get $750 cash back after spending $7,500 in the first three months after opening your account. Employee cards are available at no additional cost, and you can set spending limits for each individual card.
Chase Ink Business Preferred®: Best for Internet, Cable, and Phone Rewards
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
16.24% - 21.24% 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
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t offer an interest-free financing period
- Charges an annual fee
- 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 U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
Intro APR
N/A
Regular APR
16.24% - 21.24% 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
- Opportunity to boost the value of reward points
- Offers cellphone protection and trip cancellation insurance
Cons
- Doesn’t offer an interest-free financing period
- Charges an annual fee
- 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 U.S. and abroad.
- Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
- Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.
Why we like it: The Chase Ink Business Preferred® card gives you 3 points per $1 spent on internet, cable, phone, shipping, and travel. Also, since advertising is one of your biggest expenses, you can earn 3 points per $1 on social media and search engine advertising on Google, Facebook, and Yahoo. You get 1 point per $1 on all other purchases. It has one of the highest spending caps you’ll find for a business credit card, which means you can earn points when you spend up to $150,000 in combined purchases each account anniversary year.
There is an annual fee of $95, and the starting APR is a bit high at 16.24%. However, if you spend $15,000 during the first three months after opening an account, you get 100,000 bonus points or the equivalent of $1,000 cash back. You can redeem your points for gift cards, travel, merchandise, cash back as a statement credit, or Apple® products through Chase Ultimate Rewards. You can also use your points when you pay with PayPal or toward eligible purchases at Amazon.com.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for Extended 0% Introductory APR and Rewards on Gas Purchases
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
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:
0% APR for 12 Billing Cycles
Intro APR
0%*
Regular APR
13.99% - 22.99%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account
- Earn up to 3% cash back on eligible gas station, office supply store, and cellphone/service provider net purchases
- 1% cash back on all other eligible net purchases
- No limit on total cash back earned
- Rewards never expire
- 25% annual bonus based on your prior year's cash rewards, up to $250
- 0% Intro APR* on balance transfers for 12 billing cycles; after that, a variable APR that's currently 13.99% to 22.99%
- No annual fee*
- Great offer from U.S. Bank, a 2021 World's Most Ethical Company®―Ethisphere Institute, February 2021
Pros
- A 0% APR period on purchases on balance transfers
- 25% annual cash rewards bonus
Cons
- Small introductory bonus offer
- Balance transfer fee
- 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 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 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
0%*
Regular APR
13.99% - 22.99%* (Variable)
Annual Fee
$0*
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account
- Earn up to 3% cash back on eligible gas station, office supply store, and cellphone/service provider net purchases
- 1% cash back on all other eligible net purchases
- No limit on total cash back earned
- Rewards never expire
- 25% annual bonus based on your prior year's cash rewards, up to $250
- 0% Intro APR* on balance transfers for 12 billing cycles; after that, a variable APR that's currently 13.99% to 22.99%
- No annual fee*
- Great offer from U.S. Bank, a 2021 World's Most Ethical Company®―Ethisphere Institute, February 2021
Pros
- A 0% APR period on purchases on balance transfers
- 25% annual cash rewards bonus
Cons
- Small introductory bonus offer
- Balance transfer fee
- 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 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 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 for the first 15 months, so if you’re setting up a brand new business, it might be a good time to make large and costly purchases interest-free. And, since you do a lot of driving from property to property, you get 3% cash back at gas stations, as well as restaurants, office supply stores, and mobile phone service providers, and 1% back on all other eligible purchases. You can also earn a $100 statement credit for recurring software subscriptions such as FreshBooks or QuickBooks for your real estate accounting needs. There are no limits to the number of rewards you can earn.
Plus, there’s no annual fee and a low starting APR of 13.99%. This card has a sign-up bonus of $500 cash back that’s easily attainable if you spend $4,500 in the first 150 days after opening your account.
Wells Fargo Business Platinum: Best for Discounts on Gift Card Purchases
Wells Fargo Business Platinum 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:
Choosing cash back or points rewards with no annual fee
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Why we like it: Does a big part of your budget go to gift cards for vendors or clients? With the Wells Fargo Business Platinum card, you can purchase more than 40 different retail gift cards at a 5% discount on the Wells Fargo Business Rewards redemption website. There are no shipping or handling fees, and you’ll also earn rewards points on the gift card purchase itself. Gift card brands include Williams-Sonoma, Pottery Barn, Macy’s, Cracker Barrel, and many restaurants and gas stations.
With this card, you can choose which rewards program benefits your real estate business the most: cash back or points. Earn 1.5% for every $1, or 1 point for every $1 on qualifying purchases. You can use the card for all your real estate needs because rewards can be applied toward all purchases with no category limitations—so you can earn rewards when you use this card to pay for services such as professional staging or photography.
If you select cash back rewards, you could earn a $300 cash back bonus when you spend $3,000 in qualifying purchases in the first three months. If you select the reward points program, you could earn 30,000 bonus points when you spend $3,000 in qualifying purchases in the first three months. And you’ll receive 1,000 bonus points when your business spends $1,000 or more in any monthly billing period.
Additionally, you save with no annual fee and a 0% APR for the first nine months, and the starting APR is the lowest on this list at 11.24%.
How We Evaluated the Best Credit Cards for Real Estate Agents
The best credit cards for real estate agents include ways to save money on your most frequently purchased items and services. 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 what card fits your budget and supports your needs. If the rewards are substantial and practical for your use, an annual fee might be worth it. Consider if a card with restricted spend categories or an unlimited use card would benefit you the most.
