8 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. When deciding which real estate agent credit card is right for you, consider the rewards you can earn from where you typically spend the most. Our recommendations include regular business credit cards, a charge card, and a prepaid 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 with expanded buying power
- 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 15-month 0% annual percentage rate (APR) and up to 5% cash back
- Chase Ink Business Preferred®: Best for high credit limit and earning rewards on online advertising
- Bank of America Business Advantage Travel Rewards World Mastercard®: Best for earning rewards for travel
- Chase Ink Business Cash® Credit Card: Best for earning cash back on office supplies, internet, cable, and phone services
- American Express Business Green Rewards Card: Best charge card with travel rewards and no preset spending limit
- Emburse Spend Card: Best prepaid card with unlimited rewards
Best Real Estate Agent Credit Cards at a Glance
Best For | Annual Fee | Sign-up Bonus* | Ongoing Rewards | |
|---|---|---|---|---|
 American Express Blue Business® Plus | Best overall credit card for real estate agents with expanded buying power | $0 | 15,000 bonus points | Up to 2x points |
Credit Needed: Good to Excellent | ||||
 Bank of America Business Advantage Unlimited Cash Rewards | Unlimited cash back rewards | $0 | $300 statement credit | 1.5% cash back |
Credit Needed: Excellent | ||||
 U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard | 15-month 0% APR and up to 5% cash back | $0 | $500 bonus cash back | Up to 5% cash back |
Credit Needed: Good to Excellent | ||||
 Chase Ink Business Preferred® | High credit limit and earning rewards on online advertising | $95 | 100,000 bonus points | Up to 3x points |
Credit Needed: Good to Excellent | ||||
 Bank of America Business Advantage Travel Rewards World Mastercard® | Earning rewards for travel | $0 | 30,000 bonus points | 1.5x points |
Credit Needed: Excellent | ||||
 Chase Ink Business Cash® Credit Card | Earning cash back on office supplies, internet, cable, and phone services | $0 | $750 bonus cash back | Up to 5% cash back |
Credit Needed: Good to Excellent | ||||
 American Express Business Green Rewards Card | Charge card with travel rewards and no preset spending limit | $95 | 15,000 bonus points | Up to 2x points |
Credit Needed: Good to Excellent | ||||
 Emburse Spend Card | Prepaid card with unlimited rewards | $0 | None | 1% cash back |
Credit Needed: None | ||||
*Note that to be eligible for sign-up bonuses, you need to meet certain spending requirements, which vary per card.
To see how these cards stack up against others we have reviewed on our site, 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
18.24% - 26.24% 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, 18.24% - 26.24%, 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
18.24% - 26.24% 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, 18.24% - 26.24%, 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 through its Expanded Buying Power feature.
Here are the reasons why you should consider this card:
- Unlimited rewards: Earn 2x points on the first $50,000 in purchases each year, then 1x points thereafter
- Expanded Buying Power feature: Spend over your credit limit based on your card usage, payment behavior, and credit history
- Sign-up bonus: Get 15,000 points after spending $3,000 on eligible purchases within your first three months of membership
- 0% APR on purchases: Make a large purchase to set up your real estate office and take advantage of the introductory 0% APR for the first 12 months after opening an account—note that this does not apply to balance transfer transactions
- No annual fee: Save on credit costs while earning rewards on your everyday business expenses
The American Express Blue Business® Plus Credit Card is also one of our best sole proprietorship business credit cards.
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
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:
Those with an existing business checking account with Bank of America
Intro APR
See Terms
9 billing cycles
9 billing cycles
Regular APR
See Terms
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 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.
- 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
- Doesn’t charge annual fees
- Flexible redemption options
- With sign-up bonus
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Intro APR
See Terms
9 billing cycles
9 billing cycles
Regular APR
See Terms
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 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.
- 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
- Doesn’t charge annual fees
- Flexible redemption options
- With sign-up bonus
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Why we like it: With the Bank of America® Business Advantage Unlimited Cash Rewards card, you can earn unlimited, fixed-rate 1.5% cash back on all purchases, regardless of spending categories.
You’ll also benefit from the following:
- Sign-up bonus: Receive a $300 statement credit when you spend at least $3,000 within 90 days of card ownership
- Boost rewards for existing depositors: Earn up to 75% more cash back on all purchases if you have existing deposit accounts with Bank of America and qualify for the Preferred Rewards for Business program
- No annual fee: Reduce credit costs while earning unlimited rewards
The Bank of America® Business Advantage Unlimited Cash Rewards card is also one of our top-recommended credit cards for nonprofits.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for 15-month 0% APR & Up to 5% Cash Back
U.S. Bank Business Triple 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 15 billing cycles
Intro APR
Regular APR
18.99% - 27.99% (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.
- 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 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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
18.99% - 27.99% (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.
- 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 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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 lets you earn up to 5% cash back. Plus, it has the longest 0% introductory APR among all other cards on this list. You can use the card to make large and costly purchases or consolidate your balance from another credit card and pay it off within 15 months with zero interest.
In addition, you can enjoy the following benefits:
- Unlimited rewards: Earn generous, unlimited rewards that don’t expire
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at gas stations, restaurants, office supply stores, and mobile phone service providers.
- 1% cash back on all other purchases
- Sign-up bonus: Receive a $500 cash back after spending $4,500 in the first 150 days of card ownership
- Annual software credit: Get a $100 statement credit for recurring software subscriptions, such as FreshBooks or QuickBooks, for your real estate accounting needs
- No annual fee: Enjoy earning unlimited rewards without the extra annual cost
- ExtendPay® Plan feature: Take advantage of this feature and divide large purchases into fixed monthly payments without interest, just a small monthly fee that varies per cardholder
The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard is our leading business credit card with no annual fee and best fuel credit card for small businesses because of its long 0% APR and attractive rewards.
Chase Ink Business Preferred®: Best for High Credit Limit & 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
20.74% - 25.74% 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the 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 United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
N/A
Regular APR
20.74% - 25.74% 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the 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 United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why we like it: If you need a high credit limit, you’ll find the Chase Ink Business Preferred® card a suitable option. It gives you 3x points per $1 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.
You can also take advantage of the following:
- Ongoing rewards: Earn 1x points per $1 after the $150,000 cap for the aforementioned categories is met, as well as on all other purchases
- Sign-up bonus: Spend $15,000 during the first three months after opening an account, and you get 100,000 bonus points—which is equivalent to $1,000 cash back
- Flexible redemption options: Redeem your rewards for cash back, travel, gift cards, or merchandise through Chase Ultimate Rewards
- Low annual fee: Pay a low annual fee of only $95 while enjoying gainful rewards
- No foreign transaction fee: Use the card for international purchases without having to pay foreign transaction fees
Chase Ink Business Preferred® card is our #1 high-limit business credit card because of its generous sign-up bonus. Also, you can qualify for this card even without a business credit history, making it one of our top business credit cards for new businesses with no credit history.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Earning Rewards for Travel
Bank of America® Business Advantage Travel Rewards World Mastercard® 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:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
See Terms
9 billing cycles
9 billing cycles
Regular APR
See Terms
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time - no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points 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 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points - for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
See Terms
9 billing cycles
9 billing cycles
Regular APR
See Terms
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time - no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points 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 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points - for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 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: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Why we like it: The Bank of America® Business Advantage Travel Rewards World Mastercard® lets you earn unlimited 1.5x points per $1 on all purchases that can be redeemed for travel at the Bank of America Travel Center, or as a statement credit to offset travel and dining purchases, cash back, or gift cards.
You will also benefit from the following:
- Business Advantage 360: Access your Dun & Bradstreet business credit score for free
- No annual fee
- Sign-up bonus: Earn 30,000 bonus points—equivalent to a $300 statement credit toward travel or dining—when you spend at least $3,000 in purchases in the first 90 days of card ownership
- Boost rewards: Get up to 75% more points if you have a Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier
- No foreign transaction fee: Use the card abroad and pay no additional fees on international purchases
- Insurance coverage: Receive up to $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement
The Bank of America® Business Advantage Travel Rewards World Mastercard® is one of our recommendations for the best business credit cards for travel because of its lucrative rewards and other features.
Chase Ink Business Cash® Credit Card: Best for Earning Cash Back on Office Supplies, 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
17.99% - 23.99% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $750 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 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
- Member FDIC
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
17.99% - 23.99% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $750 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
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 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
- Member FDIC
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 United States 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 office supplies, internet, cable, and phone services, the Chase Ink Business Cash® card is a good fit because it offers 5% cash back on the first $25,000 spent on those categories.
What’s more, you can also enjoy the following benefits:
- Ongoing rewards on other purchases: Get 2% cash back on the first $25,000 spent at gas stations and restaurants, and 1% cash back on all other purchases
- No annual fee:
- 0% APR on purchases: Enjoy interest-free financing on purchases for the first 12 months—this does not apply to balance transfers
- Sign-up bonus: Receive a $750 bonus cash back when you spend $6,000 on purchases in the first three months after opening an account
- Flexible redemption options: Redeem your rewards as a statement credit, or for travel, gift cards, or merchandise through Chase Ultimate Rewards
Chase Ink Business Cash® card is our top-recommended limited liability company (LLC) credit card and our leading business credit card for startups because of its lucrative rewards program.
American Express Business Green Rewards Card: Best Charge Card With Travel Rewards & No Preset Spending Limit
Business Green Rewards 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:
Employee expense management solutions
Intro APR
N/A
Regular APR
19.24% (Prime Rate + 10.99%) to 27.24% (Prime Rate + 18.99%)
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $0 introductory annual fee for the first year, then $95
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.
Intro APR
N/A
Regular APR
19.24% (Prime Rate + 10.99%) to 27.24% (Prime Rate + 18.99%)
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $0 introductory annual fee for the first year, then $95
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.
Why we like it: If you can pay your balance in full each month, consider the American Express Business Green Rewards Card, a charge card that offers travel rewards and has preset no spending limits. You can earn 2x points per $1 on flights and prepaid hotels booked on AmexTravels.com, and 1x points per $1 on all other purchases.
You’ll also benefit from the following:
- Sign-up bonus: Spend $3,000 in eligible purchases within the first three months of card membership and receive 15,000 bonus points
- Pay Over Time feature: Take advantage of the Pay Over Time feature that allows you to carry a balance on eligible purchases with APR
- Flexible credit limit: Enjoy a flexible credit limit that adjusts based on your purchase, payment, and credit history.
- Low annual fee: Pay only $95 per year and enjoy the benefits that this card offers
Emburse Spend Card: Best Prepaid Card with Unlimited Rewards
Why we like it: If you don’t want to incur debt, consider getting an Emburse Spend card. It is a prepaid business card that doesn’t require a personal credit check and offers unlimited 1% cash back on all purchases.
Since this is a prepaid card, it does not report your transactions to credit bureaus, so you cannot use it to build personal or business credit. There’s no sign-up bonus, and you cannot use it to withdraw cash from the ATMs. Read our Emburse Spend Card review to learn more.
You can take advantage of the following:
- No annual or monthly fees: Use the card and its expense reporting system for free while earning unlimited rewards on your purchases
- Free employee cards: Request virtual and physical employee cards at no cost
- High load limit: Load your account up to $100,000 load limit—you can request an increase in load limit if you need more, subject to approval
- Easy-to-use software: Monitor your transactions in real-time, set employee spending limits, and integrate directly with your accounting system through its streamlined software
Emburse Spend card is one of our best prepaid cards and top business cards for bad credit.
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.
Frequently Asked Questions (FAQs)
As a real estate agent, you may incur business-related expenses in your transactions, such as travel, gas, dining, and office supplies. To avoid commingling your business and personal expenses, having a business credit card is recommended. On top of this, the card also helps you keep your business’s financial transactions organized, which is essential when tax season comes.
To find the best real estate agent credit card, consider the following factors:
- Rewards: Choose the best credit card for real estate agents that offers rewards that align with your spending needs. For example, if your expenses lean toward travel, gas, or phone and internet services, make sure to choose a card that lets you earn premium rewards on these spending categories.
- Redemption options: Check the redemption options provided and make sure to choose the one that provides the most value to your business.
- Fees: Consider the fees associated with the card to help you decide which one is right for you. Most of our recommendations have low to no annual fees—however, you should also consider other costs, such as APRs and fees for foreign transactions, balance transfers, and cash advances.
- Payment habits: Find a card that has a low ongoing APR if you plan to carry a balance. However, if you are sure that you can pay your full balance every month, a charge card may be the best option. If you don’t want to incur debt, a prepaid card is your best bet.
- Credit requirements: Determine the credit score required by the card issuer and see if your score can qualify. If you don’t want a credit check, go for a prepaid business card.
Bottom Line
When you’re thinking about which credit card to choose for your real estate business, consider which ones fit your budget and payment habits. Also, check whether a card with restricted spend categories or a card with unlimited, fixed-rate rewards would benefit you the most. For other options, see our roundup for the best small business credit cards.
