Editor’s note: This is a recurring post with regularly updated card details.
A real estate agent credit card is essential for charging everyday expenses like gas, travel, dining, and supplies. When choosing the best business credit card for real estate agents, find a card that offers rewards for business expenses where you usually spend the most. Other factors to consider are annual fees, 0% annual percentage rate (APR) period, credit limit, and cash flow flexibility.
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% APR and up to 5% cash back
- Bank of America Business Advantage Travel Rewards World Mastercard®: Best for earning rewards for travel with no annual fee
- U.S. Bank Business Altitude™ Connect World Elite Mastercard: Best for gas and travel expenses with access to airport lounges
- American Express® Business Gold Card: Best for earning premium rewards on your top two expense categories
- Valley Visa® Secured Business Credit Card: Best for low credit scores with 0% APR period and fixed-rate cash back
- Chase Ink Business Preferred®: Best for high credit limit and earning rewards on online advertising and travel
Best Real Estate Agent Credit Cards At a Glance
To see how these credit cards stack up against others, click Add to Compare on the cards. You can compare up to three cards on this page or a card here against two others on our site.
American Express Blue Business® Plus: Overall Best Credit Card for Real Estate Agents With Expanded Buying Power
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
Pros
- $0 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
18.49% - 26.49% 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
Pros
- $0 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: We chose this card as our overall best credit card for real estate agents because it offers a simple rewards program that’s easy to monitor. Earn 2x points on the first $50,000 in purchases each year, then 1x point thereafter. Plus, you can take advantage of a flexible credit limit through its Expanded Buying Power feature. This allows you to spend beyond your limit based on your card usage, payment behavior, credit score, and other financial factors.
Other Benefits:
- Welcome offer: 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.
Consider American Express Blue Business® Plus if you:
- Don’t want to monitor expense categories
- Want several options to redeem your rewards:
- To pay for purchases at American Express Travel, Amazon, Ticketmaster, Best Buy, and other retailers
- For gift cards from a variety of merchants
- As a statement credit
- To transfer points to American Express partner loyalty programs, like those offered by airlines and hotels
The American Express Blue Business® Plus Credit Card is also one of our best sole proprietorship business credit cards. Not that it does not allow cash advance transactions.
Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Cash Back Rewards
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
BEST FOR:
Those with an existing business checking account with Bank of America
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
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 purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- 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
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
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 purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- 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 it, you can earn unlimited, fixed-rate 1.5% cash back on all purchases, regardless of spending categories. You can redeem your rewards as a deposit into your Bank of America® checking or savings account, as a statement credit, or as a check mailed to you. What’s more, it doesn’t charge an annual fee.
Other Benefits:
- Sign-up bonus: Receive a $300 statement credit when you spend at least $3,000 within 90 days of card ownership.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- 0% APR on purchases: Take advantage of interest-free financing on purchases for the first nine billing cycles after opening an account—note that this does not apply to balance transfers
Consider the Bank of America® Business Advantage Unlimited Cash Rewards card if you:
- Have an existing business deposit account with Bank of America
- Want to earn fixed-rate rewards on all purchases
The Bank of America® Business Advantage Unlimited Cash Rewards card is also one of our top-recommended credit cards for nonprofits. Keep in mind that if you plan to use the card for international purchases, you need to pay foreign transaction fees.
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®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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 19.24% - 28.24%.
- 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
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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 19.24% - 28.24%.
- 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: It lets you earn 5% cash back on prepaid hotels and car rentals booked directly via the Travel Rewards Center, 3% at gas stations, restaurants, office supply stores, and mobile phone service providers, and 1% on all other purchases. Plus, it has no annual fee and offers 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, interest-free.
Other Benefits:
- 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.
- 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.
Consider the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard if you:
- Need to make a large purchase or transfer a balance from another credit card
- Have frequent substantial purchases and prefer to pay your balance off in installments
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. Note that you need to pay a balance transfer fee even during the 0% APR period.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Earning Rewards for Travel With No Annual Fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: 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
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: 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: This card lets you earn 3x points per dollar on travel purchases made at the Bank of America® Travel Center, and unlimited 1.5x points per dollar on all other purchases. You can redeem your points 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. Also, it doesn’t charge an annual fee, letting you save on overall credit cost.
Other Benefits:
- 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.
- 0% APR on purchases: Make a large purchase and pay it down interest-free for nine billing cycles from opening an account—however, this does not apply to balance transfers.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors 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
Consider the Bank of America Business Advantage Travel Rewards World Mastercard if you:
- Travel often and need to use the card for international purchases
- Have an existing business deposit account with Bank of America
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.
U.S. Bank Business Altitude™ Connect World Elite Mastercard: Best for Gas & Travel Expenses With Access to Airport Lounges
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- High sign-up bonus
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- High sign-up bonus
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Why we like it: It is a travel business credit card that offers generous rewards on travel expenses, including fuel and dining:
- 5x points on hotel stays and car rentals booked directly through the Rewards Center
- 4x points on airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2x points on dining and cell phone services
- 1x points on all other expenses and when the cap is met
On top of that, it comes with lucrative travel perks, including a Priority PassTM Digital annual membership that allows access to over 1,300 VIP lounges worldwide with four complimentary visits per membership year.
Other Benefits:
- Sign-up bonus: Earn 60,000 points, worth $600, if you spend $6,000 in the first 180 days.
- Low annual fee: Enjoy a $0 annual fee for the first year, then pay only $95 after that.
- No foreign transaction fees: Use the card for international purchases without having to pay extra fees.
- U.S. Bank ExtendPay® Plan: Pay your balance in equal installments without interest—only a small monthly fee.
Consider the U.S. Bank Business Altitude™ Connect World Elite Mastercard if you:
- Prefer to access airport lounges when you travel
- Have frequent expenses on fuel/EV charging
It is one of our top business credit cards with airport lounge access because of its generous perks and rewards. It’s worth noting, however, that the card does not offer 0% introductory APR on both purchases and balance transfer transactions.
American Express® Business Gold Card: Best for Earning Premium Rewards on Your Top Two Expense Categories
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$295 ($375 if application is received on or after 2/1/24)
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Now choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee of $295
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$295 ($375 if application is received on or after 2/1/24)
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Now choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee of $295
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Why we like it: The card offers a unique rewards structure—it lets you earn 4x points on the top two expense categories where your business spends the most each billing cycle (on the first $150,000 in combined purchases from each calendar year). These categories include airfare, advertising, technology (computer hardware, software, and cloud solutions), dining, and shipping.
You’ll also receive 3x points on flights and prepaid hotels booked on amextravel.com, and 1x point on all other purchases and when the cap is met. Additionally, it has no foreign transaction fees and comes with travel benefits, including trip delay insurance and baggage insurance plan.
Other Benefits:
- Welcome offer: Receive 70,000 points after spending $10,000 within the first three months of opening an account.
- No preset spending limit: Take advantage of a flexible spending limit that adjusts based on factors such as your purchase history, payment, and credit history.
- $240 Flexible Business credit: Enroll for Flexible Business and earn up to $20 in statement credits each month for eligible US purchases at FedEx, Grubhub, and office supply stores.
- $155 Walmart+ credit: Receive a statement credit up to $155 to cover the cost of your $12.95 monthly Walmart+ membership.
Consider the American Express® Business Gold Card if you:
- Want to earn premium rewards on your top spending categories automatically
- Spend for shipping, office supplies, and a Walmart+ membership frequently
The card also earned a spot in our roundup of outstanding credit cards for restaurant owners because of its unique rewards structure and overall flexibility. Keep in mind, however, that it comes with a slightly high annual fee of $295.
Valley Visa® Secured Business Credit Card: Best for Low Credit Scores With 0% APR Period & Fixed-rate Cash Back
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
Intro APR
0% APR for nine billing cycles
Regular APR
16.20% to 27.75% variable
Annual Fee
None
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Intro APR
0% APR for nine billing cycles
Regular APR
16.20% to 27.75% variable
Annual Fee
None
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Why we like it: For real estate agents who have a low credit score and could not qualify for regular unsecured credit cards, consider this card. It comes with 0% APR on purchases and balances for the first nine billing cycles after card ownership and offers unlimited 1% cash back on all purchases. To qualify, it requires a security deposit of 110% of your desired credit limit, up to $25,000.
Other Benefits:
- No annual fee: Reduce your credit costs while earning rewards and building your credit with responsible card usage.
- Employee cards: Get up to 25 employee cards under one account at no additional cost.
- Payroll processing: Access ADP®, the worldwide leader in payroll solutions and Valley’s preferred payroll processor, to manage all of your transactions.
Consider the Valley Visa® Secured Business Credit Card if you:
- Have poor or limited credit and could not qualify for a regular, unsecured business credit card
- Have extra cash for security deposits and don’t need more than a $25,000 credit limit
The card is one of our top secured business credit cards because of its fixed-rate rewards and 0% APR offers. Keep in mind that if you want a credit limit of $25,000, you need to make a security deposit of at least $27,500.
Chase Ink Business Preferred®: Best for High Credit Limit & Earning Rewards on Online Advertising & Travel
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $8,000 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
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $8,000 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 this card a suitable option. It gives you 3x points per dollar on the first $150,000 spent annually on internet, cable, phone, shipping, travel, and social media and search engine advertising. Plus, you’ll earn 1x point per dollar on all other purchases and when the cap is met. You’ll also receive 5x points on Lyft rides through March 2025. Given that advertising is one of the biggest expenses of a real estate agent, this can be a huge cost-saving benefit.
Other Benefits:
- Welcome offer: Spend $8,000 during the first three months after opening an account, you get 100,000 bonus points—which is equivalent to $1,000 cash back or $1,250 toward travel.
- 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 additional fees.
Consider the Chase Ink Business Preferred® if you:
- Need a high credit limit and have frequent travel and advertising expenses
- Spend on Lyft rides frequently
Chase Ink Business Preferred® card is our leading high-limit business credit card because of its generous sign-up bonus. However, it does not offer a 0% introductory APR on both balance transfers and purchases.
How We Selected the Best Credit Cards for Real Estate Agents
The best credit card for real estate agents includes ways to save money on your most frequently purchased items and services. When selecting 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)
Real estate agents are recommended to apply for a business credit card to avoid commingling business and personal expenses. Since real estate agents incur business-related expenses—such as travel, gas, dining, and office supplies—having a business credit card will help keep business 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.
- 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. Check all costs associated with the card, like annual fees, APRs, fees for foreign transactions, balance transfers, and cash advances.
- Credit requirements: Determine the credit score required by the card issuer and see if your score can qualify.
Bottom Line
When you’re choosing the best credit card for real estate agents, 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 of the best small business credit cards.
