The 5 Best Business Credit Cards for E-commerce [2024]

If you’re starting (or already have) an e-commerce business, you’re probably already busy enough trying to manage logistics, new product offerings, legal paperwork, and other business activities. The last thing you want to do is sift through all the available business credit cards to open for your e-commerce company.

That’s why we’ve done all the research for you. We’ve researched various e-commerce niches and brought together all of the most common and significant expenses that you’ll encounter as an e-commerce entrepreneur.

In this guide, we’ll walk you through the best business credit cards you can hold to set your e-commerce business up for success.

Let’s get into it!

The Best Business Credit Cards for E-commerce — Overview

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What To Look for in a Business Credit Card for E-commerce

As with every type of business, there’s no “one-size-fits-all” solution for everyone’s credit card needs.

In the ideal scenario, you’ll look through the past year of your business expenses, compare merchant categories, and then you might have enough information to make an informed decision — but nobody really has time for that!

The bottom line is that e-commerce business owners, no matter what niche, probably find that their biggest expenses are typically in shipping, marketing/advertising, online expenses like website hosting and software as a service (SaaS), as well as equipment and warehousing costs.

In this guide, we specifically sought out the best business credit cards that offer bonus rewards points on those expenses, in addition to other benefits like large spending limits and purchase protection for when things go awry, as well as tools to help you improve your record-keeping.

The 3 Best Overall Business Cards for E-commerce

Finding a rewarding business credit card for your e-commerce business is an easy way to get 5% to 10% back on all your business expenses.

You can use the rewards you earn to reinvest in your business, or you can get even more value by redeeming those points for travel through airline or hotel partners.

So, without further ado, here are our best business credit cards for e-commerce.

1. The Business Platinum Card^® from American Express

OUR BEST OFFER

UP’s Bonus Valuation*:

$2,640

APR

19.49% – 27.49% Variable

Good to Excellent (670-850)

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Welcome Offer: Earn 120,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR^® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 19.49% – 27.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

The Amex Business Platinum card is one of the most famous cards in the world, and for good reason. There are so many reasons for your business to have this card in its arsenal, but we’ll quickly run through the highlights.

One of our favorite aspects of this card is the depth of travel benefits you’ll get. First of all, you’ll get access to the American Express Global Lounge Collection, which includes:

With over 1,400 locations, this is the largest group of lounges you’ll get access to with a single card in the entire world.

This card also offers a Global Entry/TSA PreCheck application fee credit, Hilton Honors and Marriott Bonvoy Gold status upon enrollment, access to the world-famous Amex Fine Hotels & Resorts program, and up to $200 annual airline fee credit.

You’ll earn 1.5x points for eligible purchases on your card made at U.S. construction material and hardware suppliers, at U.S. electronic goods retailers and software and cloud system providers, at U.S. shipping providers, and on each eligible purchase of $5,000 or more everywhere else (up to $2 million in purchases per calendar year). This is in addition to the 5x points on flights and prepaid hotels when booked through AmexTravel.com.

You’ll also get up to $400 in statement credits for U.S. purchases with Dell to help with any new merchandise expenses. Other statement credits include up to $360 at Indeed, up to $150 with Adobe, and up to $120 in wireless credit.

Of course, you’ll get industry-leading perks like purchase protection, cell phone protection, return protection, extended warranty protection, secondary car rental loss and damage insurance, checked and carry-on baggage insurance, travel accident insurance, business expense management tools, and even a 35% rebate when using Pay With Points for airfare.

Why We Like Earning Amex Membership Rewards Points

When you make purchases on your Amex Business Platinum card, you’ll earn Amex Membership Rewards points.

To earn 5x points on your business activities is already an incredible value proposition. And that multiplier goes even further when you consider that Amex points are the most valuable rewards currency there is. That’s precisely why this card is our favorite.

Of course, you can redeem your Amex points in many ways. Here are a few:

But our personal favorite is to transfer them to partners for first and business class flights!

2. American Express^® Business Gold Card

Terms Apply / Rates & Fees

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex’s secure site)

UP’s Bonus Valuation*:

$1,540

APR

19.49% – 27.49% Variable

Good to Excellent (670-850)

Pros

4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
- NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection
Purchase protection and extended warranty protection
Trip delay insurance
Car rental insurance
Cell phone insurance

Cons

$375 annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Gold card is thought to be the little sibling of the Amex Business Platinum card. If you’re a big spender in the capital-intensive e-commerce industry, you’ll love this card.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)

Best of all? These bonus categories are automatically adjusted to earn you the most points.

If you max out the categories, you’d end up with 600,000 Membership Rewards points. After that, you’ll earn 1 point per dollar.

Plus, we love this card because it offers important protections and benefits, like QuickBooks connectivity, the ability to add up to 99 employee cards for a flat annual fee of $50 (total, not per card), secondary car rental loss and damage insurance, baggage insurance, extended warranty coverage, and purchase protection (see rates & fees).

Bottom Line: The Amex Business Gold card offers myriad relevant bonus categories for e-commerce business owners, including the unique ability to earn points on software and cloud solutions. Simply put, it’s one of the most rewarding cards for business spending.

3. Ink Business Preferred^® Credit Card

NEW OFFER

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase’s secure site)

UP’s Bonus Valuation*:

$2,000

Good to Excellent (670-850)

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

One of our favorite business credit cards, hands down, is the Ink Business Preferred card. This card was designed for business owners, particularly those that focus on having an online presence.

As an e-commerce business, you probably fit that bill!

The Ink Business Preferred card consistently offers an incredible welcome bonus and the ability to earn 3x Chase Ultimate Rewards points on your first $150,000 spent on the following business categories every cardmember year:

Advertising purchases with social media sites and search engines
Internet, cable, and phone services
Shipping purchases
Travel

The 2 categories where you’ll probably be seeing the bulk of your rewards on this card are shipping purchases and advertising. As an e-commerce company, you’re probably always dealing with the unpredictability of shipping costs and cyclical advertising costs from seasonal trends.

To a certain extent, you can use the rewards from this card to cushion the blow, because if you max out the $150,000 cap and earn 450,000 Chase Ultimate Rewards points, this could be worth $9,000!

Other benefits include the ability to earn 5x points per dollar on Lyft purchases (through March 2025), a 25% bonus on redemption value when booking travel through the Chase travel portal, the ability to transfer points to the Chase travel partners, and some incredible cell phone protection insurance.

You’ll also get trip interruption and cancellation insurance, trip delay insurance, travel accident insurance, baggage insurance, baggage delay insurance, primary rental car collision insurance, purchase protection, extended warranty protection, and no foreign transaction fees.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are one of the most valuable points in the world, usually worth around 2 cents apiece.

The easiest way to redeem your Ultimate Rewards points is for 1.25 cents in value each via the Chase travel portal. However, the best-value method is to transfer them to airline and hotel partners.

You can also redeem them for gift cards, merchandise, cash-back, and more. But we generally don’t recommend this because of the reduction in value you’d get.

The 2 Best Alternative Business Credit Cards for E-commerce

Let’s take a look at some of the other great credit cards for e-commerce businesses.

1. Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase’s secure site)

UP’s Bonus Valuation*:

$750

APR

0% intro APR on purchases for 12 months; variable 18.49% – 24.49% thereafter

Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% – 24.49% thereafter

Let’s say you’re looking for a simple, rewards-earning credit card, but the Amex Blue Business Plus card doesn’t fit your needs.

Perhaps you anticipate spending more than $50,000 on your business every year but love the idea of earning solid rewards without worrying about bonus categories.

Well, the Ink Business Unlimited card will make sure you earn uncapped rewards on your business purchases, regardless of what bonus category it falls under!

You’ll get a flat 1.5% cash-back on your business purchases with no caps, no bonus categories, and no annual fee. And if you have an Ultimate Rewards credit card like the Chase Sapphire Preferred^® Card, you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points, which is equal to about a 3% return on business spend.

You’ll also get zero liability fraud protection, unlimited employee cards for no extra cost, primary rental car theft and collision damage coverage, purchase protection, and extended warranty protection.

2. The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex’s secure site)

UP’s Bonus Valuation*:

$330

APR

18.49% – 26.49% Variable,0% on purchases for 12 months from date of account opening

Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

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