6 Best Credit Cards for Real Estate Agents 2019

On Chase's Secure Website

Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Cash^SM is the overall best credit card for real estate agents because it offers top cash back rewards on spending categories favorable to agents. You can earn an introductory reward worth $500 and earn up to 5% cash back, which includes purchases at office supply stores and on telecommunication services. Additionally, you’ll receive no-interest financing on purchases for 12 months. Ongoing APR starts at 14.74%.

Chase Ink Business Cash^SM Costs

Financing costs and fees on the Chase Ink Business Cash^SM credit card include:

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: 5% or $5, whichever is greater

The introductory APR on this small business credit card does not apply to balance transfers. Plus, this card charges a high balance transfer fee of 5%. If you’re looking to transfer a balance, consider the American Express Blue Business® Plus card. That card charges no interest 12 months on both purchases and balance transfer (see rates & fees). Plus, it only charges a balance transfer fee of 3% compared to 5%.

Chase Ink Business Cash^SM Rewards

Chase Ink Business Cash^SM pays some of the best cash back rewards, which are worth up to 5% of your purchase and include office supply spending. Agents also can earn $500 after spending $3,000 within the first 3 months.

Introductory Rewards

You’ll earn $500 cash back when you spend $3,000 within the first 3 months after account opening. If you want to earn a higher introductory reward, you’ll need to choose a card with an annual fee. Chase Ink Business Preferred^SM, for example, offers 80,000 bonus points ($1,000 in travel) after you spend $5,000 within 3 months. That card charges a $95 annual fee.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone, and landline services each account anniversary year, then 1% afterward
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward
1% cash back on all other purchases

Chase Ink Business Cash^SM rewards are worth up to 5% of your purchase, which also makes it a reliable startup business credit card. In comparison, the Bank of America® Business Advantage Cash Rewards Mastercard® only pays up to 3% cash back, which includes office supply spending. However, that card pays a higher return rate (3%) on gas purchases compared to this Chase business credit card, which pays 2% on gas purchases.

Chase Ink Business Cash^SM Additional Features

Chase Ink Business Cash^SM comes with the following additional features:

Auto rental collision damage waiver: Offers primary coverage when renting for business purposes, which means it replaces your personal insurance and any insurance the rental company offers, which you should decline. Chase will reimburse you up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Offers coverage against damage or theft for the first 120 days after purchase. Coverage is limited to $10,000 per incident and $50,000 per year.
Extended warranty protection: Offers an additional year of coverage on United States manufacturers’ warranties of 3 years or less

Chase Ink Business Cash^SM offers additional features that are similar to what most real estate agent credit cards on our list offer. However, some business credit cards offer higher coverage levels. For example, the American Express Blue Business® Plus extended warranty protection provides up to an additional 2 years of coverage on warranties of 5 years or less.

What Chase Ink Business Cash^SM Is Missing

Chase Ink Business Cash^SM sets a $25,000 annual cap on both the 5% and 2% cash back reward spending categories. If you spend more than $25,000, consider the Bank of America® Business Advantage Cash Rewards Mastercard®. That card has a $50,000 annual cap on its ongoing reward spending categories, which includes office supply spending.

How to Apply for Chase Ink Business Cash^SM

You can apply for Chase Ink Business Cash^SM online by filling out a basic application with your business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within 7 to 10 days

Chase Ink Business Preferred^SM: Best for Earning Rewards on Advertising Purchases

On Chase's secure website

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 no limit to the amount you can earn

Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 22.49% Variable	$95	Good to Excellent

On Chase's secure website

Chase Ink Business Preferred^SM is best for agents who have sizable online advertising expenses. It pays 3x points per $1 spent in four spending categories, which includes advertising on search engines and social media sites. Plus, you can earn an introductory reward worth up to $1,000 in travel. This card charges a $95 annual fee and an ongoing variable APR starting as 17.49%.

Chase Ink Business Preferred^SM Costs

Financing costs and fees on Chase Ink Business Preferred^SM include:

Introductory APR: None
Ongoing APR: 17.49% to 22.49% variable, which adjusts with the prime rate
Annual fee: $95
Balance transfer fee: $5 or 5% of the amount of the transfer, whichever is greater

Similar to Chase Ink Business Cash^SM, this business travel credit card is not meant for transferring a balance. If your main concern in a card is financing a balance transfer, it’s best to choose a balance transfer business credit card like American Express Blue Business® Plus.

Chase Ink Business Preferred^SM Rewards

Chase Ink Business Preferred^SM has a sign-up bonus that is worth up to $1,000 in travel when you spend $5,000 within the first 3 months. You’ll also earn 3x points on travel, shipping purchases, telecommunications services, and online advertising purchases.

Introductory Rewards

You’ll earn 80,000 bonus points when you spend $5,000 within the first 3 months after account opening. That is worth $1,000 in travel when you redeem your points through Chase’s online rewards portal. In comparison, our top pick, Chase Ink Business Cash^SM, only offers a sign-up bonus worth $500 after you spend $3,000 within the first 3 months.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

3x points on the first $150,000 spent in combined purchases each account anniversary year spent in four categories. The categories include travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services
1x points on all other spending

Chase Ink Business Preferred^SM is an excellent choice if you have a large online advertising budget and want to earn points instead of cash back. If you don’t want to track category bonuses or don’t spend much on advertising, consider a fixed-rate rewards card like American Express Blue Business® Plus.

Chase Ink Business Preferred^SM Additional Features

Chase Ink Business Preferred^SM comes with the following additional features:

Auto rental collision damage waiver: Offers primary coverage when renting for business purposes, which means it replaces your personal insurance and any coverage the rental company offers. Chase may reimburse you up to the actual cash value of the car for theft and collision damage.
Purchase protection: Covers purchased items against damage or theft within 120 days of purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Provides an additional year of coverage on US manufacturer’s warranties of 3 years or less
Cellphone protection: All eligible phone lines on your phone bill are covered for up to $600 in theft or damages per claim. This protection limits you 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 reimbursed up to $5,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for at least 12 hours, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Chase Ink Business Preferred^SM reviews agree that this card offers additional card perks that other cards don’t offer, which include cellphone protection and trip cancellation insurance. If you want a business travel credit card that provides luxury travel perks like airport lounge access, you’ll have to pay a higher annual fee.

What Chase Ink Business Preferred^SM Is Missing

Chase Ink Business Preferred^SM doesn’t offer an introductory APR, and its ongoing variable APR is relatively high. You should use this card for its robust rewards and not for its financing options. If you’re looking for cheap introductory and ongoing financing, consider the Bank of America® Business Advantage Cash Rewards Mastercard®. That card charges no interest on purchases for nine billing cycles, and its ongoing APR may be as many as 4 percentage points lower.

How to Apply for Chase Ink Business Preferred^SM

You can apply for Chase Ink Business Preferred^SM online by filling out a basic application with your business and personal information. You can be approved immediately. Once you’re approved, you’ll receive your card in the mail within 7 to 10 days

American Express Blue Business® Plus: Best for Fixed-rate Rewards and 0% APR Financing

on The Blue Business® Plus Credit Card from American Express's secure website.

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. 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.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.

You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*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 and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

on The Blue Business® Plus Credit Card from American Express's secure website.

See Rates and Fees

American Express Blue Business® Plus is best for agents who don’t want to track category spending and want an introductory 0% APR period. It pays 2x points per dollar on purchases up to $50,000 annually, then 1x points after that. Plus, it charges no annual fee and no interest for 12 months on purchases and balance transfers. The ongoing variable APR starts at 14.74%.

American Express Blue Business® Plus Costs

Financing costs and fees on the American Express Blue Business® Plus card include:

Introductory APR: 0% for 12 months on purchases and balance transfers, which makes it one of the best 0% APR business credit cards
Ongoing APR: 14.74% and 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transfer, whichever is greater

In addition to its introductory 0% APR period, this new business credit card charges a balance transfer fee of 3%. Conversely, Chase Ink Business Cash^SM charges a balance transfer fee of 5%. This fee difference can result in hundreds of extra dollars spent if you transfer a large balance.

American Express Blue Business® Plus Rewards

American Express Blue Business® Plus does not offer any sign-up bonus, which is its most significant disadvantage. However, you will earn 2x points per $1 spent on all purchases up to $50,000 per year.

Introductory Rewards

American Express Blue Business® Plus does not offer any introductory rewards. Applying for a real estate agent credit card that offers a sign-up bonus can let you earn hundreds of dollars on spending your business would have done regardless. Chase Ink Business Preferred^SM, for example, offers 80,000 bonus points when you spend $5,000 within the first 3 months. However, that card does not offer cheap financing on balance transfers.

Ongoing Rewards

With the American Express Blue Business® Plus card, you will earn:

2x points on all purchases up to $50,000 each year
1x points on all purchases after that

American Express Blue Business® Plus is the best credit card for real estate agents who don’t want to take the time to track category bonuses. If you’d rather earn category bonus rewards, consider Chase Ink Business Cash^SM. That card pays up to 5% cash back on certain spending categories.

American Express Blue Business® Plus Additional Features

American Express Blue Business® Plus comes with the following additional features:

Extended warranty protection: Provides up to an additional 2 years of warranty on the original manufacturer’s warranty of 5 years or less. Coverage is limited to $10,000 per claim and $50,000 per year.
Purchase protection: The issuer will repair, replace, or reimburse you for a purchased item that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per year.
Car rental insurance: Provides car rental loss and damage insurance for the first 30 days of a vehicle rental and when rented from a car rental company. Coverage is limited to $50,000 per rental agreement.

American Express business credit cards typically offer robust and unrivaled additional card benefits. For example, the extended warranty protection on this card is better than Chase Ink Business Preferred^SM. That Chase Ink credit card only covers warranties of 3 years or less. You can learn more about these additional features in our American Express business card review.

What American Express Blue Business® Plus Is Missing

American Express Blue Business® Plus is one of the two cards—the other being Capital One® Spark® Classic for Business—on our list that doesn’t offer introductory rewards, which may be a turn off for some agents. If you want to earn a sign-up bonus and pay no annual fee, consider Chase Ink Business Cash^SM. That card offers $500 when you spend $3,000 within the first 3 months.

How to Apply for American Express Blue Business® Plus

You can apply for American Express Blue Business® Plus online in a matter of minutes. You’ll be required to fill out a basic application containing your business and personal information. Once approved, you’ll receive your card within 7 to 10 days.

American Express® Business Gold Card: Best for Earning Rewards in Top Two Spending Categories

on American Express® Business Gold Card's secure website.

American Express® Business Gold Card

Earn 35,000 Membership Rewards® points after you spend $5,000 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**
**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: A flexible payment option to help manage cash flow on purchases of $100 or more.*
Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
*Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	15.74% - 23.74% Variable	$295	Good, Excellent

on American Express® Business Gold Card's secure website.

See Rates and Fees

The American Express® Business Gold Card is best for agents who want to earn rewards in multiple spending categories. It pays 4x points in the two categories where you spend the most each month, including gas stations and advertising. You can also earn 35,000 bonus points when you spend $5,000 within the first 3 months.

This is a charge card, which means you must repay the balance in full monthly. However, you can finance purchases of at least $100, and the ongoing APR is as low as 15.74%.

American Express® Business Gold Card Costs

Financing costs and fees on the American Express® Business Gold Card include:

Introductory APR: None
Ongoing APR: 15.74% and 23.74% variable, which adjusts with the prime rate
Annual fee: $295
Balance transfer fee: Balance transfers are not allowed

This American Express business card is a charge card, which typically means you must pay off your balance in full monthly. However, American Express allows cardholders to pay off eligible purchases of at least $100 over time with interest.

American Express® Business Gold Card Rewards

The American Express® Business Gold Card offers a sign-up bonus that can be worth at least $350 by meeting a minimum spending requirement. Plus, you’ll earn 4x points per dollar in your top two spending categories each billing cycle, which includes gas stations and advertising expenses.

Introductory Rewards

You can earn 35,000 bonus points after you spend $5,000 within the first 3 months of your account. This outranks other cards on our list like the Bank of America® Business Advantage Cash Rewards Mastercard®. That card offers a statement credit of $300 when you spend $3,000 within the first 90 days.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

4x points on the two categories where you spend the most each billing cycle, up to $150,000 in combined eligible purchases each calendar year
- Airfare purchased directly from airlines
- US purchases for advertising in select media (online, TV, and radio)
- US purchases made directly from select technology providers of computer hardware, software, and cloud solutions
- US purchases at gas stations
- US purchases at restaurants
- US purchases for shipping
1x points on all other eligible spending

With this card, you can earn 4x points from your top two spending categories out of six possible bonus categories American Express offers. As an agent, this card can be extremely beneficial if you spend big at gas stations and have advertising expenses. No other card on our list offers a similar rewards structure.

American Express® Business Gold Card Additional Features

The American Express® Business Gold Card additional features include:

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 5 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.

The American Express® Business Gold Card offers comparable additional features to Chase Ink Business Preferred^SM. Although it charges a high annual fee, these perks can be precious, which you can learn about in our American Express business card review.

What the American Express® Business Gold Card Is Missing

The American Express® Business Gold Card offers a smaller introductory reward compared to other cards on our list that charge lower annual fees. For example, Chase Ink Business Preferred^SM offers 80,000 bonus points when you spend $5,000 within the first 3 months and charges a $95 annual fee.

How to Apply for the American Express® Business Gold Card

You can apply for the American Express® Business Gold Card online by filling out an application that only takes a few minutes. Once approved, you’ll receive your card within 10 business days.

Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Fuel Purchases

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	13.74% - 23.74% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

The Bank of America® Business Advantage Cash Rewards Mastercard® is best for agents who want to earn rewards on their fuel purchases and pay no annual fee. You’ll earn 3% cash back on fuel purchases—or one of five other spending categories. Additionally, you can maximize your earnings if you enroll in the Preferred Rewards for Business program. This card has an ongoing variable APR starting at 13.74%, which is the lowest on our list.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

Financing costs and fees on Bank of America® Business Advantage Cash Rewards Mastercard® include:

Introductory APR: 0% for 9 billing cycles on purchases
Ongoing APR: 13.74% – 23.74% Variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the transfer, whichever is greater

If your main concern in a real estate agent credit card is a balance transfer offer, consider another card on our list. For example, American Express Blue Business® Plus charges no interest for 12 months on both purchases and balance transfers.

Bank of America® Business Advantage Cash Rewards Mastercard® Rewards

This Bank of America business credit card pays 3% cash back on one of six reward categories, which includes gas station purchases. This card also offers a small sign-up bonus of $300 when you spend $3,000 within the first 90 days.

Introductory Rewards

You will earn a $300 statement credit when you spend at least $3,000 within the first 90 days. This introductory reward falls short of our top pick, Chase Ink Business Cash^SM. That card offers a $500 bonus after you spend $3,000 within the first 3 months. However, the Chase business card only pays 2% cash back on gas station purchases of up to $25,000 annually.

Ongoing Rewards

You’ll earn the following rewards when using your card:

3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV and telecommunications services, wireless, computer services or business consulting services for the first $50,000 in combined choice category or dining purchases each calendar year, then 1% after that
2% cash back at restaurants
1% cash back on all other purchases

You also can earn reward bonuses if you enroll in the Preferred Rewards for Business program. When you enroll, you can earn an additional 25% to 75% rewards bonus on every purchase, depending on your deposits or investments with Bank of America. To earn the maximum rate of 75%, you’re required to have at least $100,000 in deposits or investments with the bank or its investing subsidiary Merrill Lynch.

Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features

Unlike most issuers, Bank of America doesn’t disclose any details of the card’s additional features until you receive your guide to benefits with your business credit card. However, Bank of America reviews show we do know you’ll receive up to $100,000 in travel accident insurance. That protection covers you in case of a loss of life or dismemberment.

What the Bank of America® Business Advantage Cash Rewards Mastercard® Is Missing

There are other real estate agent credit cards on our list that offer more robust introductory and ongoing rewards. The main advantage of this card comes from having an existing Bank of America bank account and by enrolling in the Preferred Rewards for Business program. If you don’t have an existing account and want to earn better rewards, choose Chase Ink Business Cash^SM.

How to Apply for the Bank of America® Business Advantage Cash Rewards Mastercard®

You can apply for the Bank of America® Business Advantage Cash Rewards Mastercard® online. Once you fill out the application with your basic business and personal information, you can be approved instantly. Once approved, you’ll receive a card in the mail within 7 to 10 days.

Capital One® Spark® Classic for Business: Best for Fair Credit

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
No annual fee
Build and strengthen credit for your business by using this credit card responsibly

$0 Fraud Liability if your card is lost or stolen
Free employee cards, which also earn unlimited 1% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	24.49% (Variable)	$0	Average, Fair, Limited

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business is best for agents who have fair credit (580 to 669) and want to earn rewards. It charges no annual fee, and you’ll earn 1% cash back on every purchase. It’s the best credit card for real estate agents who want to build their business and personal credit. It charges an ongoing variable APR of 24.49%.

Capital One® Spark® Classic for Business Costs

Financing costs and fees on Capital One® Spark® Classic for Business include:

Introductory APR: None
Ongoing APR: 24.49% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: None

This business card for fair credit charges the highest ongoing variable APR on our best credit card for real estate agents list. However, this variable APR is average for a fair credit business credit card. This is the only real estate agent credit card on our list that is designed for fair credit real estate agents.

Capital One® Spark® Classic for Business Rewards

This Capital One business credit card does not offer a sign-up bonus. However, you will earn 1% cash back on every purchase. This rewards structure is common across real estate agent credit cards for fair credit.

Introductory Rewards

Capital One® Spark® Classic for Business does not offer a welcome bonus. Typically, business credit cards for fair credit don’t offer any introductory rewards.

Ongoing Rewards

You’ll earn unlimited 1% cash back on all spending. This is the best credit card for real estate agents if you have fair credit but want to earn some ongoing rewards. If you want to earn rewards and your personal credit score is below 580, choose a secured business credit card. Secured cards have credit limits that are often equal to a cash deposit held in a collateral account.

Capital One® Spark® Classic for Business Additional Features

According to Capital One’s website, this card offers Visa® Business Benefits:

Extended warranty protection: Offers up to an additional year of coverage on eligible warranties of 3 years or less
Purchase protection: Protects purchased items for 90 days against damage or theft, and coverage is limited to $10,000 per claim and $50,000 per year

These additional card benefits are similar when compared to other real estate agent credit cards on our list. However, those cards require personal credit scores of at least 670. You can learn more about these perks in our Capital One business card review.

What Capital One® Spark® Classic for Business Is Missing

Capital One® Spark® Classic for Business does not offer any introductory rewards or strong ongoing cash back rewards. However, agents applying for this card are primarily looking to build their business and personal credit. The ongoing rewards are just an added benefit.

How to Apply for Capital One® Spark® Classic for Business

You can apply for Capital One® Spark® Classic for Business online. The application takes minutes, and you can get approved instantly. Once approved, the card typically takes 7 to 10 business days to arrive.