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Best Credit Cards for eCommerce

If you have a eCommerce store and use a credit card to purchase the products you sell, using a cashback rewards card can boost your net profits. Likewise, if you’re a digital nomad, then having a personal credit card that offers some travel perks can give you the best value for money.

If your margins are slim, then you should make the most of all your business spending. Usually, with eCommerce, your spend categories include:

  • Advertising costs: These are usually on ad platforms like Google ads, Microsoft ads, or Facebook ads. There are some great cards that give very high rewards for ad spend so if your ad spend is high enough, then it definitely makes sense to take advantage of these.
  • Cost of goods sold: these are the products you purchase from your suppliers to send to your customers. Usually these are made one at a time, but sometimes you’ll buy in bulk too. If you can use a credit card to pay for them, you should use a reward program or cash back credit card. You can get miles, points, cash back, or even bitcoin rewards. See below for more details.
  • General expenses: Usually you’ll have a bunch of random software and service expenses to run your business, not to mention paying your team. So if you can use a credit card to pay for them, then it makes sense to use one that gets a reasonable rate of at least 1.5% cash back and also a card that has no set credit limit so your recurring expenses don’t ever get declined, leading to a suspension of your account which could be detrimental to your business. For this category I specifically recommend the Amex Plum Credit Card. See below for more details.
  • Business travel: If you travel for business, or you are a digital nomad and can write off your travel expenses to your business, then I highly recommend you get a credit card that comes with travel perks so you can get the most luxurious experience and best rewards during your traveling as possible. I recommend a few different credit cards for this category.
  • Shipping expenses: If you ship products yourself, or create labels yourself for your supplier to use on your orders, then you’ll want to get a card that rewards you for shipping-specific expenses. Some of the best shipping expense reward credit cards happen to also be business hotel reward credit cards from American Express. See below for more details.

I created this article to go over the top business and personal credit cards available in the market and which ones I have had the best experience. There are a ton of credit cards out there, and since you’ll need to get some cards to run your eCommerce business, you might as well snag a few of these cards while you’re at it.

Best Credit Cards for Advertising and Shipping Spend

Amex Business Gold

The Amex Business Gold card makes for a great eCommerce credit card because it offers flexible earning with great perks specifically for all your business expenditures.

Annual Fee: $295 Annual Fee

Rewards

  • Earn 4x Membership Rewards points on select purchases, including the ff:
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media (online, T.V., 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
  • Earn 1x on other purchases

Signup Bonus

Earn 35,000 Membership Rewards points after you spend $5,000 and an extra 25,000 points after you spend an additional $2,500 all in qualifying purchases on the card within your first three months of Card Membership

Additional Benefits

  • 25% Airline Bonus
  • Pay Over Time Option
  • No Preset Spending Limit
  • Access to travel discounts and amenities when you enroll in The Travel Collection by Travel Leaders Group
  • Exclusive deals and discounts when you book The Hotel Collection properties
  • Baggage Insurance Plan
  • Car Rental Loss and Damage Insurance

Foreign Transaction Fee: No

 

Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred Credit Card offers a massive signup bonus, high rewards, and an array of perks, making this card worthy of the annual fee.  So, if you want to earn massive points for your eCommerce business purchases, then this is something you should certainly consider.

Annual Fee: $95 Annual Fee

Rewards

  • Earn 3x points per $1 on the first $150,000 spent in select purchases
  • Earn 1 point per $1 spent on all other purchases

Signup Bonus

Get 100,000 bonus points after you spend $15,000 on purchases in the first three months

Additional Benefits

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Fraud Protection and Purchase Protection
  • Free Employee cards
  • Trip Cancellation/Trip Interruption Insurance

Foreign Transaction Fee: No

 

 

Best Credit Cards for Cost of Goods Sold and General Expenses

 

Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited Credit Card comes in as one of the best eCommerce credit cards with its zero annual fee and generous earnings for each purchase. Perfect for domestic use if your business is based in the U.S.

Annual Fee: No Annual Fee

Rewards

  • Earn unlimited 1.5% Cash Back rewards on every purchase
  • Redeem your rewards for cash back, gift cards, travel, and more

Signup Bonus

$750 bonus cash back after you spend $7,500 on purchases in the first three months

Additional Benefits

  • Free Employee cards
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Purchase Protection

Foreign Transaction Fee: Yes – 3% of the amount of each transaction in U.S. dollars

 

Chase Freedom Unlimited® Credit Card

The Chase Freedom Unlimited Credit Card is one of the best credit cards available, offering the most generous terms and benefits, including a $200 signup bonus and massive rewards. Perfect for everyday use.

Annual Fee: No Annual Fee

Rewards

  • Earn 5% on travel purchased through Chase Ultimate Rewards.
  • Earn 3% on dining at restaurants, including takeout and eligible delivery services.
  • Earn 3% on drugstore purchases.
  • Earn 1.5% on all other purchases.

Signup Bonus

Earn a $200 bonus after you spend $500 on purchases in the first three months

Additional Benefits

  • 5% total Cash Back on qualifying Lyft rides
  • Complimentary 3 months of DashPass / 50% Discounted DashPass from DoorDash for 9 months
  • Zero Liability

Foreign Transaction Fee: Yes – 3% of the amount of each transaction in U.S. dollars.

 

Amex Business Plum Card

The Amex Plum card is the perfect credit card for eCommerce businesses mainly because of its flexible payment dates. This allows you to efficiently plan your financial calendar.

Annual Fee: $0 introductory fee, then $250 Annual Fee

Rewards

  • Get a 1.5% Early Pay Discount in the form of a statement credit on the amount paid within 10 days of your statement closing date
  • Anything not paid by the due date will be carried forward to the next statement without interest.
  • Take up to 60 days with no interest when you pay the Minimum Due by the Payment Due date.

Signup Bonus

Earn a $200 statement credit after each $10,000 you spend in purchases on the Card, up to $30,000, within the first 3 months of Card Membership.

Additional Benefits

  • Flexible Payment Terms
  • No preset spending limit
  • Car Rental Loss and Damage Insurance
  • Globe Assist Hotline

Foreign Transaction Fee: No

 

Spark Cash from Capital One

Spark Cash offers a business credit card that comes with the benefits and tools you need to get your business done. You also get the security, fraud protection, and customer support you need to make your spending seamless and secure.

Annual Fee: $0 intro for the first year, $95 after that

Rewards

  • Unlimited 2% cashback on every purchase, every day
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel

Signup Bonus

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first three months from account opening.

Additional Benefits

  • No over-limit fees
  • $0 Fraud Liability
  • Automatic Payments
  • Free employee cards with spending limits
  • Receive up to $100 credit for Global Entry or TSA Pre✓
  • Travel Assistance Perks

Foreign Transaction Fee: No

Spark 2x Miles from Capital One

If you’re looking for a simple credit card that ensures you of mileage, Spark 2x Miles from Capital One should be the top choice. This card allows you to earn two miles per dollar that you spend, making it the practical choice if you’re a digital nomad.

Annual Fee: $0 intro for the first year, $95 after that

Rewards

  • Earn 2x miles on every purchase, with no minimums or expiration date
  • Earn 5x miles on hotel and rental car bookings through Capital One Travel

Signup Bonus

  • Earn a bonus of 50,000 miles once you spend $4,500 in the first three months.
  • Transfer miles to 10+ airlines and get up to $100 credit for Global Entry or TSA Pre✓

Additional Benefits

  • No over-limit fees
  • $0 Fraud Liability
  • Automatic Payments
  • Free employee cards with spending limits
  • Travel Assistance Perks

Foreign Transaction Fee: No

 

Best Credit Card for Bitcoin Rewards

 

BlockFi Rewards Visa® Signature Credit Card

If you’ve always wanted to try out crypto, then BlockFi is the perfect choice. BlockFi is the easiest place to buy, sell and earn cryptocurrency, even for beginners, so you can be at ease that you can earn way better than other crypto traders. As for BlockFi Rewards Visa® Signature Credit Card, it’s basically considered as the world’s first Bitcoin rewards credit card.

Annual Fee: No Annual Fee

Rewards: 

  • Earn an unlimited 1.5% back in Bitcoin on every purchase with the BlockFi Rewards Visa® Signature Credit Card
  • Earn up to 7.5% APY

Signup Bonus

Earn 3.5% back in Bitcoin during your first 3 months.

Additional Benefits

  • Earn 3.5% back in Bitcoin during your first 3 months.
  • Earn 2% back in Bitcoin on every purchase over $50,000 of annual spend
  • Trading bonus: 0.25% back in Bitcoin on all eligible trades.
  • Refer a friend and get $30 in bitcoin

Foreign Transaction Fee: No

 

Best Credit Cards for Travel

The Business Platinum Card®

Of course, you should already expect that Amex is inseparable to the list of the best credit cards for eCommerce. The Amex Business Platinum Card is the perfect choice for frequent business travelers. It comes with tons of travel perks, including hotel benefits, travel insurance, and international airport lounges access.

Annual Fee: $595 annual fee

Rewards

  • 5x points on flights and prepaid hotels on amextravel.com
  • 1.5X points on each eligible purchase of $5,000 or more
  • Up to 1 million additional points per calendar year
  • 1x point for each dollar you spend on eligible purchases

Signup Bonus

Earn 85,000 Membership Rewards® points after spending $15,000 on eligible purchases in the first three months

Additional Benefits

  • Up to $200 Annual Dell Technologies Statement Credit
  • An average total value of $550 in perks with Fine Hotels + Resorts®
  • Access to American Express Global Lounge Collection®
  • 35% Airline Bonus
  • Enjoy Marriott Bonvoy Gold Elite Status
  • Hilton Honors Gold Status
  • Business Platinum Travel Service
  • Trip Delay Insurance
  • Trip Cancellation and Interruption Insurance

Foreign Transaction Fee: No

American Express® Green Card

Enjoy shopping with this Amex Green Card while getting the most rebates. This credit card is perfect if you’re an avid shopper of Home & Furniture, Bed Bath & Beyond, CB2, Crate and Barrel, Crate and Kids, The Home Depot, Lowe’s, Terrain, and The Container Store. Plus, enjoy full flexibility on how you want to pay your credit.

Annual Fee: $150 Annual Fee

Rewards

  • Earn up to 3x points at Restaurants including takeout or delivery.
  • Earn up to 3x points on Transit including trains, buses, ferries, subway, and more.
  • Earn up to 3x points on Travel including airfare, hotels, cruises, tours, car rentals, and more.

Signup Bonus

Enjoy 50,000 Membership Rewards Points after spending $2,000 on purchases on your new Card in your first 6 months of Card Membership. Aside from that, earn up to $200 Back in Statement Credits on eligible purchases at selected stores within your first 3 months of Card Membership.

Additional Benefits

  • $100 Credit to Help You Breeze Through Security
  • $100 Credit for Lounge Access
  • Trip Delay Insurance
  • Car Rental Loss And Damage Insurance
  • Baggage Insurance Plan

Foreign Transaction Fee: No

 

Best Hotel Reward Program Credit Cards (Best for Shipping Expenses)

 

Hilton Honors American Express Business Card

For entrepreneurs who frequently travel and opt to stay in Hilton hotels and resorts, having this Hilton Honors American Express Business Card will come handy. Earn massive points when you use your business credit card for purchases at any Hilton establishments, flights, and more.  So, if you normally fly in and out of the state or country, make sure to get this business credit card and get started on earning points!

Annual Fee: $95

Foreign Transaction Fee: No

Signup Bonus

  • Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months.
  • Earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.

Rewards

  • Enjoy 12x Hilton Honors Bonus points per dollar for purchases made in Hilton establishments.
  • Enjoy 6x Hilton Honors Bonus points per dollar on select business purchases at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping.
  • Enjoy 6x Hilton Honors Bonus points per dollar on select travel purchases at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies.
  • Enjoy 3x Hilton Honors Bonus points per dollar on all other purchases.
  • Earn a complimentary Hilton Honors Gold Status

Additional Benefits

  • Earn a free weekend night reward after you spend $15,000 on eligible purchases in a calendar year.
  • Earn a second weekend night reward from Hilton Honors after you spend $60,000 on eligible purchases in a calendar year.
  • You’ll get access to over 1,200 airport lounges each year once enrolled in Priority Pass™ Select Membership.
  • Spend $40,000 on eligible purchases on your card in a calendar year and you can earn Hilton Honors Diamond status
  • Car rental loss and damage insurance
  • Baggage insurance plan

 

Marriott Bonvoy Business Card

If your business trips normally entail staying in a Marriott hotel, then you should consider getting this Marriott Bonvoy Business Card. This business credit card comes with extensive deals and benefits that will make your stay in Marriot more meaningful and more enjoyable. Plus, you’ll be earning so much points that you won’t even feel like you’re paying for such a lavish stay!

Annual Fee: $125

Foreign Transaction Fee: No

Signup Bonus

  • Earn 75,000 Marriott Bonvoy Bonus Points after you use your new card to make $3,000 in purchases within the first 3 months.
  • Get cash backs of up to $150 in statement credits on eligible purchases made on your new card within the first 3 months of card membership

Rewards

  • Earn 6x points per dollar on eligible purchases at hotels participating in the Marriott BonvoyTM program.
  • Earn 4x points per dollar on eligible purchases at U.S. restaurants, gas stations, shipping providers, and wireless phone services purchased directly from service providers.
  • Earn 2x points on all other eligible purchases.

Additional Benefits

  • Get one free night award every year, after your card account anniversary.
  • Earn another free night award after you spend $60,000 in purchases on your card in a calendar year.
  • Each calendar year you can receive 15 elite night credits towards the next level of Marriott Bonvoy Elite status.
  • Redeem Marriott Bonvoy points for flights and car rentals across hundreds of travel partners around the world.
  • Receive complimentary Marriott Bonvoy Silver Elite status with your card, which includes priority late checkout when available and 10% bonus points on stays.
  • Enjoy your favorite Netflix shows with a complimentary in-room, premium internet access while staying at hotels participating in the Marriott BonvoyTM program.
  • Purchase Protection for up to 90 days from the covered purchase date if it is stolen or accidentally damaged.

 

Conclusion

Getting the right credit card is easy, but finding the perfect card that will offer you the best value requires research and great due diligence. You need to consider tons of factors to match your needs with the right credit card effectively. With the top selection of credit cards for business and personal purposes, you’ll be sure to get the best rewards and value for money!

What do you think of this list? Have you tried any of these?

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