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	15.24% - 21.24% 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 15.24%.

Chase Ink Business Cash^SM Costs

Chase Ink Business Cash^SM is a business credit card with no annual fee. Plus, it charges no interest for 12 months on purchases. Be sure to pay off your balance before the ongoing variable APR kicks in.

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: 15.24% to 21.24% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: 5% or $5, whichever is greater

The introductory APR 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 three months.

Introductory Rewards

You’ll earn $500 cash back when you spend $3,000 within the first three 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 three 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.

How to Redeem Rewards

You can redeem your rewards for cash back, gift cards, and travel through Chase’s online travel rewards portal. Redemption value is one cent per point for each option, which is common across cash back credit cards. If you redeem your rewards as cash back, you can receive a statement credit or deposit the rewards into an eligible bank account from a United States-based bank or credit union.

Chase Ink Business Cash^SM Additional Features

Chase Ink Business Cash^SM offers additional benefits that are common on most small business credit cards, which include car rental insurance, purchase protection, and extended warranty protection.

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 U.S. manufacturers’ warranties of three years or less

This Chase Ink business credit card 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 two years of coverage on warranties of five 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.

Chase Ink Business Cash^SM Reviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Cash^SM reviews are extremely positive. Cardholders love the robust rewards structure and no annual fee.

User Reviews

Online reviews are very positive. Users love the card’s business-oriented cash back rewards and no annual fee. Plus, users say they benefit from the introductory APR period. However, some users complain about the card’s high ongoing APR.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This Chase small business credit card is one of the best business credit cards. The combination of its rewards structure and introductory financing sets it apart from competitors. Reviewers agree this card could be stronger if it offered travel rewards.

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 seven 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	17.99% - 22.99% Variable	$95	Good - Excellent

On Chase's Secure Website

Chase Ink Business Preferred^SM is best for agents who have sizeable 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 17.99%.

Chase Ink Business Preferred^SM Costs

This business travel credit card costs $95 to own each year and offers no introductory APR. Its ongoing variable APR starts at 17.99%, which is relatively high when compared to other real estate agent credit cards on our list.

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

Introductory APR: None
Ongoing APR: 17.99% to 22.99% 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 Chase business 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 three 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 three 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 three 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.

Note: Chase’s definition of travel spending is liberal. You’ll earn 3x points on the following travel categories: airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.

How to Redeem Rewards

You can redeem your rewards for travel, cash back, or gift cards. When redeeming for cash back or gift cards, each point is worth one cent. When redeeming for travel through Chase’s travel portal, each point is worth 1.25 cents.

You may be able to boost the redemption value by transferring your points to one of the issuer’s airline partners, which include the following partners: Air France, Avios, British Airways, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, and Virgin Atlantic. When you transfer your rewards, point values vary, but your redemption value could exceed two cents per point or more when booking flights.

Chase Ink Business Preferred^SM Additional Features

Chase Ink Business Preferred^SM includes standard additional features when compared with other business credit cards, which include extended warranty protection and purchase protection. Plus, it offers unique features not seen on other real estate agent credit cards, such as cellphone protection.

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 U.S. manufacturer’s warranty of three 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 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 provide 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 four percentage points lower.

Chase Ink Business Preferred^SM Reviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Preferred^SM reviews are mostly positive. This card offers top travel rewards at a lower annual fee than other business travel credit cards.

User Reviews

Online reviews suggest that cardholders love the large sign-up bonus and robust ongoing rewards they earn on four different spending categories. However, some users complain about the lack of introductory financing.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This card is an excellent choice for agents who want to earn rewards for their online advertising expenses. However, some editorial reviewers wish this card had a no-interest financing period.

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 seven 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, 14.99%, 17.99% or 20.99%, 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	14.99% - 20.99% 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 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 14.99%.

American Express Blue Business® Plus Costs

American Express Blue Business® Plus charges no annual fee and no interest for 12 months on purchases, which also makes it a solid credit card for new businesses. Once the introductory APR period ends, its ongoing variable APR is between 14.99% and 20.99%.

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: 14.99% and 20.99% 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 real estate agent 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 three 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.

How to Redeem Rewards

You can redeem your points in one of seven ways:

For your charges: Redeem for eligible charges on your current statement. You must have at least 1,000 points in your account.
Travel: Book travel on American Express Travel, for which you will get 25% of your points back. Minimum redemption is 5,000 points. You can also transfer points to one of the issuer’s travel partners: Aeromexico, Air Canada, British Airways, Delta Air Lines, Hawaiian Airlines, Iberia, JetBlue, Singapore Airlines, and Virgin Atlantic.
Gift cards: Purchase American Express gift cards
Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once
Ticketmaster: You can redeem your points on Ticketmaster to purchase event tickets. Minimum redemption is 2,000 points.
AXS: You can redeem your points on AXS to purchase event tickets. Minimum redemption is 2,000 points.
Taxi fares: Redeem your points for fares (including tips) on certain taxis in New York City

American Express Blue Business® Plus and the American Express® Business Gold Card, another card on our list, both offer the most redemption options. For example, Chase Ink Business Cash^SM, only allows you to redeem your rewards for cash back, gift cards, or travel.

American Express Blue Business® Plus Additional Features

American Express Blue Business® Plus offers similar additional card features to other cards on our list, such as extended warranty protection and purchase protection.

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

Extended warranty protection: Provides up to an additional two years of warranty on the original manufacturer’s warranty of five 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 three years or less.

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 three months.

American Express Blue Business® Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Blue Business® Plus reviews are mixed. Agents enjoy the introductory financing but wish the card offered a sign-up bonus.

User Reviews

Online cardholder reviews are mostly mixed. Users say they benefit from interest-free financing and fixed-rate rewards. However, some users wish there was a sign-up bonus like most other business credit cards offer.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers agree this is a solid real estate agent credit card if you’re looking for cheap introductory financing. This card could be stronger if it allowed you to earn an introductory reward.

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 seven to 10 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, no cap on the amount of cash rewards you can earn and they 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 a 75% rewards bonus on every purchase when you're a Business Advantage Relationship Rewards Platinum Honors tier client. 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	14.24% - 24.24% 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 Business Advantage Relationship Rewards program. This card has an ongoing variable APR starting at 14.24%, which is the lowest on our list.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

This sole proprietorship credit card charges no interest for nine billing cycles on purchases. It also charges no annual fee. The introductory APR offer is shorter than the 12 months the American Express Blue Business® Plus offers. That card also offers an introductory APR on balance transfers.

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

Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 14.24% to 24.24% 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 three 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, 1% thereafter)
2% cash back at restaurants
1% cash back on all other purchases

You also can earn reward bonuses if you enroll in the Business Advantage Relationship Rewards 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.

How to Redeem Rewards

You can redeem your rewards as a deposit into your Bank of America checking or savings account, a statement credit, or a check. There is no annual cap on rewards redemption, and you can redeem them at any time. The best credit card for real estate agents, Chase Ink Business Cash^SM, offers more redemption options, which include gift cards and travel.

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, 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. If you want to receive some of the most robust additional features, choose a card like American Express Blue Business® Plus.

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 Business Advantage Relationship Rewards program. If you don’t have an existing account and want to earn better rewards, choose Chase Ink Business Cash^SM.

Bank of America® Business Advantage Cash Rewards Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Cash Rewards Mastercard® reviews are mixed. Reviews suggest this card is a solid pick for existing Bank of America customers. However, it only offers average cash back rewards, and its introductory reward is small.

User Reviews

Online user reviews are mixed. Cardholders suggest they like the ability to choose the 3% cash back reward spending category. However, some cardholders complain this card lacks a substantial introductory reward like other business credit cards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers suggest this Bank of America business credit card is average. Its introductory rewards are small, and the ongoing rewards are best for existing Bank of America customers.

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 seven 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 up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months of Card membership.
Limited time Offer ends 11/06/2019.*
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.*
EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.*
*Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	15.99% - 23.99% 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. This card ranks low on our list because of its high annual fee of $295 and a decent sign-up bonus that only benefits agents who use FedEx services.

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 15.99%.

American Express® Business Gold Card Costs

The American Express® Business Gold Card charges a $295 annual fee, which is the highest on our list of the best credit cards for real estate agents. It does not offer an introductory APR, and it’s ongoing variable APR is between 15.99% and 23.99% if you choose to finance eligible purchases.

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

Introductory APR: None
Ongoing APR: 15.99% and 23.99% 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 is only beneficial if you’re an agent that uses FedEx services, which is worth $500. 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’ll earn the following introductory rewards when using your card:

Earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first three months of Card membership. Limited time offer ends November 6, 2019.

This is an introductory reward that is unique to American Express business credit cards. However, this card ranks low on our list partially because this reward is only lucrative to agents who ship packages or use other services provided by FedEx,

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
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. 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.

How to Redeem Rewards

You can redeem your points in one of seven ways:

For your charges: Redeem for eligible charges on your current statement. You must have at least 1,000 points in your account.
Travel: Book travel on American Express Travel, for which you will get 25% of your points back. Minimum redemption is 5,000 points. You can also transfer points to one of the issuer’s travel partners: Aeromexico, Air Canada, British Airways, Delta Air Lines, Hawaiian Airlines, Iberia, JetBlue, Singapore Airlines, and Virgin Atlantic.
Gift cards: Purchase American Express gift cards
Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once
Ticketmaster: You can redeem your points on Ticketmaster to purchase event tickets. Minimum redemption is 2,000 points.
AXS: You can redeem your points on AXS to purchase event tickets. Minimum redemption is 2,000 points.
Taxi fares: Redeem your points for fares (including tips) on certain taxis in New York City

American Express business credit cards offer the most reward redemption options compared to other issuers we’ve reviewed. For example, Chase Ink Business Cash^SM only lets you redeem your rewards for cash back, travel, or gift cards.

American Express® Business Gold Card Additional Features

The American Express® Business Gold Card comes with insurance in case you lose or damage new purchases. These include return protection, extended warranty protection, and baggage insurance.

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 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.

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.

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 three months and charges a $95 annual fee.

American Express® Business Gold Card Reviews

The newly revamped American Express® Business Gold card reviews has no user reviews online. However, the card is similar enough to the old American Express® Business Rewards Gold Card that the reviews for that card are still relevant. Reviews for that card were mostly positive.

User Reviews

Users suggest they like this card because it has no preset spending limit and pays top rewards on bonus category spending. However, some users complain that the annual fee is too high for businesses with low expenses.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers suggest this card offers robust introductory rewards and excellent category bonuses. If your business has low expenses, it may be tough to offset the $295 annual fee.

How to Apply for 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.

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

Enjoy no annual fee
Earn 1% cash back on every purchase
Build business credit with responsible use

Fraud coverage if your card is ever lost or stolen
No foreign transaction fees
Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	25.24% (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 25.24%.

Capital One® Spark® Classic for Business Costs

This Capital One business credit card charges no annual fee and has an ongoing variable APR of 25.24%. You won’t have access to an introductory APR period, but that’s typical for credit cards for fair credit.

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

Introductory APR: None
Ongoing APR: 25.24% 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

Capital One® Spark® Classic for Business 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, which include extended warranty protection and purchase protection.

Capital One® Spark® Classic for Business offers the following additional features:

Extended warranty protection: Offers up to an additional year of coverage on eligible warranties of three years or less
Purchase protection: Protects purchased items for 90 days against damage or theft. 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.

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.

Capital One® Spark® Classic for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Classic for Business reviews suggest this is one of the best cards for building your business and personal credit.

User Reviews

Online user reviews are mostly positive. Cardholders love the ability to earn rewards while building their business and personal credit. However, some cardholders complain the credit limits are too low. According to Capital One’s website, credit limits that start at $500.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers suggest this is one of the best business credit cards for fair credit. Although the card is missing a sign-up bonus and introductory APR period, reviewers agree this is common on credit cards for fair credit.

How to Apply for Capital One® Spark® Cash 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 seven to 10 business days to arrive.