Best Credit Cards for Dropshipping

Looking for the Best Credit Card with Great Perks?

 

Going cashless is the new currency today. Nowadays, people pay with a digital wallet or credit card. Going cashless is very convenient and efficient. While digital wallets are widespread nowadays, many people still stick to credit cards. The main reason? Because of its perks and rewards.

Credit cards are highly accessible nowadays. There are simply tons of lucrative schemes to get you to sign up. In fact, in a 2019 study by Experian, an Average American owns at least four credit cards. However, while having several credit cards won’t necessarily hurt your credit score, managing and keeping your balances manageable can be difficult. To avoid getting into the credit card debt-trap, you must use only the best credit card to provide you with excellent value for money and offer you practical rewards.

If you have a dropshipping 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.

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 high-ticket drop shipping business, you might as well snag a few of these cards while you’re at it.

BUSINESS CREDIT CARDS

AMERICAN EXPRESS (AMEX)

The Business Platinum Card®

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

 

APPLY NOW to Get Your AMEX Business Platinum Card® 

 

Amex Business Gold

The Amex Business Gold card is the perfect choice for business expenditures that offers flexible earning with great perks.

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

 

APPLY NOW to Get Your Amex Business Gold

 

Amex Business Plum Card

The Amex Plum card is the perfect choice for business expenditures that offers flexible payment dates so you can 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

 

APPLY NOW to Get Your AMEX Business Plum Card

 

Amex Blue Business Cash

The Amex Blue Business Cash is well-known for offering generous cashback rewards. If you prefer credit cards with good cashback rewards instead of other perks, then the Amex Blue Business Cash Card should be your top choice.

Annual Fee: No Annual Fee

Rewards

Earn 2% cashback on all eligible purchases up to $50,000 per calendar year

Signup Bonus

  • Earn a $250 Statement Credit after you spend $5,000 in qualifying purchases on your card within the first six months of Card Membership.
  • Earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your card within the first year of Card Membership.

Additional Benefits

  • No Over-Limit Fees
  • Car Rental Loss and Damage Insurance

Foreign Transaction Fee: Yes - 2.7% of each transaction after conversion to U.S. dollars.

 

APPLY NOW to Get Your Amex Blue Business Cash

 

Amex Amazon Business Prime

Getting an Amazon Credit Card comes with lots of benefits, especially for those who are members of Amazon Prime looking to maximize value with their business expenditures. As the name suggests, Amazon Business Prime American Express Card lets you benefit the most from your purchases on Amazon and its other brands.

Annual Fee: No Annual Fee

Rewards

  • Rewards up to 5% cashback on Amazon purchases – includes Whole Foods Market; Amazon Web Services (Amazon cloud-services provider), and Amazon Business (retail portal for business purchases)
  • 2% cashback on purchases at U.S. restaurants, U.S. gas stations, and those made on wireless telephone services purchased directly from U.S. service providers.
  • 1% cashback for all other purchases

Signup Bonus

  • Earn up to 5% back on the first $120,000 in purchases each calendar year, 1% back thereafter
  • Get a $125 Amazon.com Gift Card upon approval with an eligible Prime membership

Additional Benefits

  • Option for 90-day 0% APR financing
  • Purchase protection of up to $300 per item and $1,000 per account

Foreign Transaction Fee: No

 

APPLY NOW to Get Your Amex Amazon Business Prime

 

Amex Marriott Bonvoy Business Credit Card

For Marriott loyalists, this is probably the best credit card that you’ll ever have. This business credit card gives you extensive rewards and points for every purchase that you make with your card. My recommendation is, if you’re engaged in any business that typically involves domestic and foreign travels wherein you regularly stay in Marriott hotels, then this credit card is certainly a must-have!

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.
  • Earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months.

Rewards

  • Earn 6x points per dollar on eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 4x points per dollar on eligible purchases at selected 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

  • Enjoy 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. 
  • For each calendar year, you get up to 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.

 

APPLY NOW to Get Your Amex Marriott Bonvoy Business Credit Card 

 

BANK OF AMERICA

Business Advantage Travel Rewards Credit Card

For digital nomads and frequent business travelers, the Business Advantage Travel Rewards Card forms one of the most popular choices for travel cards.

Annual Fee: No Annual Fee

Rewards

  • Earn 1.5 points for every $1 you spend on all purchases, everywhere, every time.
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center.

Signup Bonus

Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit towards travel purchases.

Additional Benefits

Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business

Foreign Transaction Fee: No

Business Advantage Cash Rewards Credit Card

The Business Advantage Cash Rewards Card offers a great cashback reward system, perfect for businesses that are not big-spenders.

Annual Fee: No Annual Fee

Rewards

  • Earn 3% cashback on your choice of one of the following six categories: gas stations, office supply stores, travel, T.V./telecom & wireless, computer services, or business consulting services.
  • Earn 2% cashback on dining.
  • Earn unlimited 1% cashback on all other purchases.
  • Get 3% and 2% cashback on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

Signup Bonus

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening

Additional Benefits

Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member.

Foreign Transaction Fee: Yes – 3%

Alaska Airlines Business Credit Card

For business travelers who frequent Alaska Airlines, having an Alaska Airline Business Credit Card will undoubtedly give you the best value for your money.

Annual Fee: $50 Annual Fee per company, $25 per card

Rewards

  • Earn 3 miles for every $1 spent on Alaska Airlines purchases
  • Earn 1 mile for every $1 spent on all other purchases

Signup Bonus

$200 Statement Credit and 40,000 Bonus Miles Offer

Additional Benefits

  • Earn unlimited miles and travel with no blackout dates and no international transaction fees
  • Enjoy 50% off day passes at the Alaska Lounge and 20% back on all Alaska Airlines inflight purchases
  • Get another Alaska’s Famous Companion Fare every year
  • Free checked bag on Alaska flights for you and up to six other guests

Foreign Transaction Fee: No

BREX

Brex Cash Management Card

The Brex Card is not freely available to everyone. You need to have a business (C-Corp, S-Corp, LLC, or LLP) with a minimum of $100,000 in the bank, or $50,000 if you have investors. Moreover, they focus on specific industries only, including tech, eCommerce, and other fields in life sciences.

Annual Fee: None; $0 Minimum Balance Requirement

Rewards

Enjoy multipliers of up to 7x points per dollar spent.

Signup Bonus

Get a $250 Amazon gift card after you spend $1,000 on your monthly card.

Additional Benefits

  • Points never expire
  • Earn unlimited points
  • Discounts with partnership services valued at over $50,000, redeemable anytime
  • Get 24/7 access to experienced business travel agents with Brex exclusive

Foreign Transaction Fee: No

 

APPLY NOW to Get Your Brex Cash Management Card

 

CAPITAL ONE

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

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.

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 

 

APPLY NOW to Get Your Ink Business Preferred® Credit Card

 

Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited Credit Card comes in as one of the best business 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

 

APPLY NOW to Get Your Ink Business Unlimited® Credit Card

 

Ink Business Cash® Credit Card

The Chase Ink Business Cash Credit Card is a lucrative choice for small-business owners who spend heavily and are looking for a credit card with no annual fee. It also offers customers a generous signup bonus.

Annual Fee: No Annual Fee

Rewards

  • Earn 5% cashback on the first $25,000 spent in select business-related purchases for office supply, internet, cable, and phone services.
  • Earn 2% cashback on the first $25,000 spent in select purchases at gas stations and restaurants.
  • Earn 1% cashback on all other purchases.

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 

 

APPLY NOW to Get Your Ink Business Cash® Credit Card

 

United Club Business Card

If you are a frequent flyer of United Airlines, then this card is perfect for you. The United Club Business Credit Card offers small business owners tons of great perks, including a massive signup bonus and travel perks.  

Annual Fee: $450 Annual Fee

Rewards

  • Earn 1.5 miles per $1 spent on every purchase.
  • Earn even more on United purchases — get an additional 0.5 mile for a total of 2 miles per $1 spent.

Signup Bonus

50,000 miles when you spend $3,000 in the first three months

Additional Benefits

  • 25% back on United inflight purchases
  • Complimentary upgrades on award tickets for Premier members
  • Earn and use MileagePlus miles on United and any of the other member airlines in the Star Alliance network
  • Access to all United Club locations and participating Star Alliance™ affiliated lounges
  • Free first and second checked bags — a savings of up to $320 per round trip
  • Access to Hertz Gold Plus Rewards® President’s Circle

Foreign Transaction Fee: No

CITI

CitiBusiness / AAdvantage Platinum Select / World Elite Mastercard

CitiBusiness®/AAdvantage® is one of Citi’s best business credit cards for travel. Enjoy double AAdvantage® airline miles bonus on select purchases. You also get the most out of your trips abroad with zero foreign transaction fees.

Annual Fee: $99 (Fee waived for the first 12 months)

Rewards

  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases

Signup Bonus

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first four months

Additional Benefits

American Airlines Flight Perks:

  • First checked bag free
  • 25% savings on American Airlines inflight Wi-Fi
  • Preferred boarding
  • Earn an American Airlines Companion Certificate

Foreign Transaction Fee: No

DISCOVER IT

Discover It® Business Credit Card

If you’re looking for a credit card with no annual and foreign transaction fees with lavish cash back rewards, then Discover It should be one of your top considerations. With this credit card, all your business purchases will be rewarded generously, so it’s perfect for businesses with high spending.

Annual Fee: No Annual Fee

Rewards

Earn unlimited, automatic 1.5% cashback on every dollar spent on all purchases

Signup Bonus

Earn cash back on every purchase with every card – plus an unlimited Cashback Match your first year

Additional Benefits

  • Get up to 50 free employee cards
  • Discover is accepted by 99% of the places across the country that take credit cards
  • No Minimum Purchase Requirements
  • Apply your rewards as cash and towards purchases at Amazon.com

Foreign Transaction Fee: No

US BANK

U.S. Bank Business Leverage® Visa Signature® Card

 

Enjoy plentiful cash back depending on your purchase behavior with the U.S. Bank Business Leverage Credit Card. Aside from lucrative rewards, you also get full control over how your employees use their credit cards, so you’ll be sure to manage your expenditures efficiently.

Annual Fee: No Annual Fee for the first year, then $95 thereafter.

Rewards

  • Earn 2% cashback in the top two categories where you spend the most each month automatically
  • Earn 1% cash back per dollar spent on all other eligible purchases

Signup Bonus

Earn $750 cash back when you spend $7,500 in eligible purchases on the account owner’s card within the first four months.

Additional Benefits

  • Enjoy full control on your employee cards with its customizable spending rules
  • Top two bonus categories adjust each month automatically based on your spending
  • No caps or limits on the total cash back your business can earn

Foreign Transaction Fee: No

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

If you’re looking for a better rate of cash back, then this 3% cashback offer by U.S. Bank Business Cash Rewards World Elite Mastercard is certainly one to consider. While this card offers enticing cashback benefits, it charges a certain amount for foreign transactions – making it the right choice only for domestic purchases.

Annual Fee: No Annual Fee

Rewards

  • Earn 3% cashback on gas station, office supply store, and cell phone/service provider purchases.
  • Earn 1% cashback on all other purchases.

Signup Bonus

Earn $500 cashback by only spending $3000 in the first 90 days of opening your account.

Additional Benefits

  • Get 25% of your prior year’s cash rewards, up to $250, on the anniversary of opening your account.
  • No limits on the total rewards you can earn, and your rewards never expire
  • Introductory 0% purchase rate for 12 months

Foreign Transaction Fee: Yes – 2% - 3% depending on the currency

WELLS FARGO

Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is best for businesses that incur massive annual spending and generate annual sales of at least $2 million. This card allows you to manage how you want to get your rewards through cash back or reward points. It provides you with ample security that you need when threatened by unauthorized transactions, making it a good choice for big businesses.

Annual Fee: No Annual Fee

Rewards

  • Earn 1 point on every $1 spent
  • Get 1,000 bonus points when your business spends $1,000 or more in any monthly billing period
  • Earn 1.5% cash back for every $1 spent

Signup Bonus

Earn a one-time $300 cashback bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months

Additional Benefits

  • Enjoy up to 99 employee cards with no additional fee
  • Receive your cash back automatically
  • Get a 10% points credit every time you redeem online (10% of redemption value)
  • Earn bonus points or discounts from Earn More Mall retailers
  • Full reimbursement for unauthorized purchases or ATM transactions

Foreign Transaction Fee: No

Wells Fargo Business Elite Signature Card

If your business earns around $1 million in annual sales, then the Wells Fargo Business Elite Signature Card should be the right choice.

Annual Fee: $0 first year, and then $125

Rewards

  • Earn 1.5% cash back on every $1 spent
  • Receive 5,000 bonus points when your company spend reaches $10,000 in any monthly billing period

Signup Bonus

Earn a one-time $500 cashback bonus or 50,000 bonus points when you spend $15,000 in the first three months.

Additional Benefits

  • Redeem points for gift cards, merchandise, airline tickets, and more
  • Travel Incidental Fee Reimbursement for up to $100
  • Free employee cards of up to 200
  • Get a 10% points credit every time you redeem online (10% of redemption value)
  • Earn bonus points or discounts from Earn More Mall retailers
  • Full reimbursement for unauthorized purchases or ATM transactions

Foreign Transaction Fee: No

PERSONAL CREDIT CARDS

AMERICAN EXPRESS (AMEX)

Hilton Honors Aspire Card

If you’re a Hilton-loyalist, this is the perfect credit card for you. Hilton Honors American Express Aspire Card, by the name itself, is perfect for those who frequently travel and prefer to stay at Hilton hotels. This card offers tons of perks that will surely give you great value for money. Also, it may not be as expensive as you think.

Annual Fee: $450 Annual Fee

Rewards

  • Earn 14x Points on Hilton Purchases
  • Earn 7x Points on Select Travel
  • Earn 7x Points on Dining
  • Earn 3x Points on Other Purchases

Signup Bonus

Earn 150,000 Hilton Honors Bonus Points after using your new card to make $4,000 in purchases within the first three months.

Additional Benefits

  • Enjoy complimentary Hilton Honors Diamond status
  • Enjoy one weekend night reward with your new Hilton Honors American Express Aspire Card and every year after renewal
  • $250 Hilton Resort Statement Credit
  • $250 AIRLINE FEE CREDIT
  • $100 Hilton On-Property Credit
  • Access to over 1,200 airport lounges around the world
  • Car Rental Loss and Damage Insurance
  • Baggage Insurance Plan

Foreign Transaction Fee: No

 

APPLY NOW to Get Your Amex Hilton Honors Aspire Card

 

American Express Platinum Card® for Schwab

If you’re a Schwab Account owner, then it would be wise to capitalize on that and sign up for Schwab’s American Express Platinum Card. This card offers tons of perks and benefits perfect for frequent travelers and digital nomads seeking to get the best value for their bookings and flights.

Annual Fee: $550 Annual Fee

Rewards

  • Earn one Membership Rewards point for every eligible dollar you spend.
  • Earn Membership Rewards points that you can turn into deposits to your eligible Schwab account.

Signup Bonus

Earn 60,000 Membership Rewards® points after spending $5,000 in purchases on your American Express Platinum Card® for Schwab in your first three months.

Additional Benefits

  • Receive $15 in Uber Cash for U.S. rides each month plus a bonus of $20 in December
  • 5x Membership Rewards points on flights booked directly with airlines or with American Express Travel via amextravel.com
  • 5x Membership Rewards points on eligible hotels booked on amextravel.com
  • Access to over 1,300 airport lounges across the globe

Foreign Transaction Fee: No

 

APPLY NOW to Get Your AMEX Schwab Card

 

American Express® Gold Card

The Amex Gold Card offers tons of benefits for every business traveler. With its massive rewards, you can be sure that you’re getting the best value from its annual Fee.

Annual Fee: $250 Annual Fee

Rewards

  • Earn 4x Points at U.S. Supermarkets
  • Earn 4x Points on Restaurants
  • Earn 1x Points on Other Eligible Purchases
  • Earn 3x Points on Flights booked directly with airlines or on amextravel.com

Signup Bonus

Earn 35,000 Membership Rewards® Points after spending $4,000 on purchases on your new card in your first three months.

Additional Benefits

  • $120 Dining Credit
  • Get a $100 hotel credit when you book a stay of at least two consecutive nights with American Express Travel at over 600 properties
  • Baggage Insurance Plan
  • Car Rental Loss and Damage Insurance

Foreign Transaction Fee: No

 

APPLY NOW to Get Your Gold AMEX Card

 

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

 

APPLY NOW to Get Your Green AMEX Card

 

BANK OF AMERICA

Bank of America Cash Rewards Visa Signature

 

The Bank of America Cash Rewards Visa Signature Card is best for wise shoppers whose spending focuses on only one category with its 3% cashback. It offers decent rewards for card owners, especially those looking for credit cards with no annual fee.

Annual Fee: No Annual Fee

Rewards

  • Earn 3% cashback in the category of your choice
  • Earn 2% cashback at grocery stores and wholesale clubs
  • Earn 1% cashback on all other purchases

Signup Bonus

Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days

Additional Benefits

Preferred Rewards members earn 25%-75% more cash back on every purchase

Foreign Transaction Fee: Yes - 3% of the U.S. dollar amount of each transaction

CAPITAL ONE

Venture Rewards from Capital One

Venture Rewards Card is another right choice for frequent travelers who want to earn mileage with each booking. This card offers a very generous signup bonus and rewards, which every traveler will enjoy.

Annual Fee: $95 Annual Fee

Rewards

Earn unlimited 2x miles per dollar on every purchase, every day

Signup Bonus

Earn 60,000 bonus miles once you spend $3,000 on purchases within the first three months

Additional Benefits

  • Travel Accident Insurance
  • Use your Venture miles on flights, hotels, and more
  • Receive up to $100 credit on Global Entry or TSA Pre✓
  • Pay for Amazon.com purchases using your Capital One rewards

Foreign Transaction Fee: No

Quicksilver from Capital One

If you’re looking for a simple everyday card, the Quicksilver Credit Card seems to be a decent choice. With its unlimited 1.5% cash backs and massive sign up bonus, you’ll be sure to get the most out of this card.

Annual Fee: No Annual Fee

Rewards

Earn unlimited 1.5% cashback on every purchase, every day.

Signup Bonus

Earn a one-time $150 cash bonus once you spend $500 on purchases within three months

Additional Benefits

  • Get exclusive access to premium experiences, including VIP tickets, five-star meals, and more
  • Pay for Amazon.com purchases using your rewards
  • Travel Accident Insurance

Foreign Transaction Fee: No

CHASE

Amazon Prime Rewards Visa Signature Card

If you’re an Amazon shopper, then this card will certainly offer the best value for you. The card offers massive perks and value across Amazon brands and offers a certain level of protection for your travels – all with no annual and foreign transaction fees.

Annual Fee: No Annual Fee

Rewards

  • 5% Back rewards at Amazon and Whole Foods Market
  • 2% Back rewards at restaurants, gas stations, and drugstores
  • 1% Back rewards on all other purchases

Signup Bonus

Get a $70 Amazon Gift Card instantly upon approval

Additional Benefits

  • Enjoy up to 20% back on rotating Amazon categories and products
  • Travel and Emergency Assistance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Purchase Protection

Foreign Transaction Fee: No

IHG® Rewards Club Traveler Credit Card

For business travelers who frequent the Holiday Inn, InterContinental, and other IHG properties, then the IHG Rewards Club Traveler Credit Card should be a worthy choice with all the perks that come with it – all without annual and foreign transaction fees.

Annual Fee: No Annual Fee

Rewards

  • Earn up to 15x total points at IHG Hotels and Resorts worldwide when you combine your IHG card benefits with existing IHG Rewards Club member benefits
  • Earn 5x points at IHG Hotels and Resorts with the IHG Traveler Rewards Club Credit Card
  • Earn up to 10x points from IHG for being an IHG member
  • 2x points on purchases at gas stations, grocery stores, and restaurants
  • 1 point per $1 spent on all other purchases

Signup Bonus

Earn up to 100,000-points after you spend $2,000 on purchases within the first three months

Additional Benefits

  • Get a free Reward Night when you redeem points for any stay of 4 or more nights
  • Save at Least 20% on Points Purchases

Foreign Transaction Fee: No 

 

APPLY NOW to Get Your IHG® Rewards Club Traveler Credit Card

 

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.

 

APPLY NOW to Get Your Chase Freedom Unlimited® Credit Card

 

Chase Freedom Flex

The Chase Freedom Flex offers no-fuss and straightforward cashback rewards, perfect for everyday use. With its massive rewards, you’ll be sure to have the most practical credit card on hand.  

Annual Fee: No Annual Fee

Rewards

  • Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate.
  • 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% on all other purchases.

Signup Bonus

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

Additional Benefits

  • Zero Liability Protection
  • Travel and Emergency Assistance Services
  • Cell Phone Protection
  • 24/7 Fraud Monitoring

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

 

APPLY NOW to Get Your Chase Freedom Flex Card

 

World of Hyatt Credit Card

For the patriots of Hyatt hotels, having this credit card will certainly be a wise choice. While it comes with an annual fee, it’s a free overnight stay each year, and massive perks will be worth every penny.

Annual Fee: $95 Annual Fee

Rewards

  • Earn 9 points total per $1 spent for Hyatt stays and experiences, including restaurants and spas
  • Earn 2 Bonus Points per $1 spent for getting around with local transit and commuting
  • Earn 2 Bonus Points per $1 spent for dining out at restaurants, cafes, and coffee shops
  • Earn 2 Bonus Points per $1 spent for taking off with flights purchased directly from the airline
  • Earn 2 Bonus Points per $1 spent for staying healthy with fitness club and gym memberships
  • Earn 1 Bonus Point per $1 spent for wherever life takes you

Signup Bonus

  • Earn 30,000 Bonus Points after you spend $3,000 on purchases within the first three months.
  • Earn up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first six months.

Additional Benefits

  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year.
  • 10% Bonus Points when choosing to earn points on eligible spend at Hyatt.
  • Five qualifying night credits toward your next tier status every year.
  • Two additional qualifying night credits toward your next tier status every time you spend $5,000 on your card.

Foreign Transaction Fee: No

CITI

CitiBusiness®/AAdvantage® Platinum Select® World Elite Mastercard®

For an American Airlines loyalist, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® provides useful perks, perfect for traveling and everyday purchases. With its lucrative rewards, you can easily offset its annual Fee.

Annual Fee: $99 Annual Fee (Fee waived for the first 12 months)

Rewards

  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations.
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases.

Signup Bonus

Earn 50,000 American Airlines AAdvantage® bonus miles earned after spending $2,500 in purchases within the first three months

Additional Benefits

  • $125 American Airlines Flight Discount
  • First checked bag free on domestic itineraries
  • 25% savings on inflight food and beverage purchases on American Airlines flights

Foreign Transaction Fee: No

DISCOVER

Discover It® Cash Back Credit Card

Discover it cash Back joins the group of cards that do not require annual fees. This card offers a generous signup bonus and great value for cardholders who can easily keep up with the rotating bonus categories. It’s incredibly lucrative with its consumer-friendly terms and zero annual Fee.

Annual Fee: No Annual Fee

Rewards

  • Enroll every quarter to earn 5% cash back on up to $1,500 in purchases in various categories throughout the year
  • 1% back on all other purchases

Signup Bonus

Cashback will be matched by the end of your first card anniversary

Additional Benefits

  • Free FICO credit score
  • High Customer Satisfaction Rate
  • Redeem as gift cards, donations, credit to your account, direct deposit into any account, payment at select retailers

Foreign Transaction Fee: No

 

APPLY NOW to Get Your Discover It® Cash Back Credit Card 

WELLS FARGO

Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card comes in strong with its lucrative perks and rewards. So, if you want an excellent credit card with no annual fee, then it’s challenging to find an alternative.

Annual Fee: No Annual Fee

Rewards

  • Earn 3x points on eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals.
  • Earn 1x points on other purchases.

Signup Bonus

20,000 bonus points when you spend $1,000 in purchases in the first three months.

Additional Benefits

  • Zero Liability
  • Cell phone protection
  • Lost luggage reimbursement
  • Car rental loss and damage insurance
  • Roadside assistance
  • 24/7 travel and emergency assistance, and emergency cash advances

Foreign Transaction Fee: No

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?

 

FAQS

How do Credit Cards work with Dropshipping?

It’s just as easy as using your personal credit card! Just enroll it across all your subscriptions like Shopify and your monthly billing will automatically be charged on your card. Aside from that, it will also come handy in paying your suppliers with all your orders so you won’t have to issue checks or pay with cash.

The thing with a business credit card is that it allows you to enjoy perks and privileges that you don’t normally have with your personal cards (Of course, unless you’re a heavy spender). When you use your credit card with business purchases, you get more privileges and benefits mainly because you spend more in purchases.

How do you set up a Dropshipping Business?

It’s not entirely difficult to start a High-Ticket Drop-shipping business. However, there are several things that you need to prepare before you can actually start building it. For instance, you need to decide on a good niche that’s highly marketable and pair it with a reliable supplier to ensure delivery to your customers. Check this business formation guide for more information.

Do I need a credit card for my Dropshipping Business?

Yes of course. There’s no doubt that you need a credit card in running your dropshipping business. As earlier mentioned, you will need it to handle all your cost of goods sold and all your subscriptions on a monthly basis – this is of course to ensure that you’re always up to date with payment since you don’t want to have a down website just because you forgot to manually pay for your Shopify subscription. Other than that, it will come handy in paying your suppliers for every order, which is better than having to issue checks – which can be problematic if you’re a digital nomad or are planning to.

Lastly, having a credit card will come in handy in launching online campaigns especially on Google Ads and Facebook Ads, especially if it gets you more points per dollar spent on ads like the Amex Business Gold and Chase Ink Preferred

What are the Best Credit Cards for Dropshipping?

The ones on this list are basically the best of the best which can be used in your dropshipping business. However, if we have a top 5, that would be Amex Business Platinum, Amex Business Gold, Amex Amazon Business Prime, Amex Blue Business Cash (or Plus), and the Chase Ink Business Credit Cards. 





eCommerce Paradise was created by Trevor Fenner of Seattle, Washington in 2015 to help you, the entrepreneur, to start and scale your own eCommerce business. Trevor owns multiple 7-figure eCommerce stores and is a digital nomad, traveling the world while working remotely with the help of his team of virtual assistants from around the world. Trevor is currently located in Bali, Indonesia, and is a passionate skateboarder, surfer, scuba diver, photographer, environmentalist, outdoorsman, fitness and tattoo enthusiast.


AFFILIATE DISCLOSURE: Some of the links on this page may be affiliate referral links. I will get a commission from the vendor when you make a purchase after clicking them at no added cost to you. As a result, many of them also provide you with a special discount just for using my link. You can go directly to their support if you have any issues with their software or product.




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