What’s the Best Business Credit Card for Earning Cashback on Office Supplies?

 When you run a business, every penny counts. The more you can save or earn back, the better your bottom line will look. One way many business owners maximize their expenses is by using business credit cards. These cards not only provide the convenience of credit, but they also allow you to earn rewards for the purchases you make. If you’re spending money on office supplies, it’s especially important to find the best business credit card that offers cashback for such purchases. In this blog post, we’ll look at the best business credit cards for earning cashback on office supplies, their features, and how you can use them to optimize your business expenses.

Why Should I Use a Business Credit Card for Office Supplies?

Office supplies are a crucial part of running a business. Whether you need paper, ink, computers, or basic office equipment, these expenses add up quickly. A business credit card can help you manage these costs by allowing you to earn cashback or other rewards on the purchases you make. If you have a significant portion of your budget dedicated to office supplies, it makes sense to leverage the benefits that a business credit card can provide.

Using a business credit card not only offers convenience but also helps you track your business expenses. At the end of the year, when tax season rolls around, you’ll have a comprehensive record of your purchases that you can provide to your accountant. Additionally, a business credit card will often come with tools to help you manage cash flow and monitor spending. The best business credit cards also come with other perks, such as extended warranties or purchase protection on items bought with your card.

Key Features to Look For in a Business Credit Card for Office Supplies

When choosing a business credit card for office supplies, there are a few key features to consider:

1. Cashback or Rewards Rate on Office Supplies: Ideally, you want a card that offers a higher cashback rate for office supply purchases, as these tend to be higher-volume expenses.

2. No Annual Fee or a Low Fee: Look for a card that either has no annual fee or offers significant rewards to justify the annual fee.

3. Introductory Bonus: Many business cards offer large introductory bonuses if you meet a spending threshold within the first few months. These bonuses can help you get more value out of the card early on.

4. Ease of Redemption: Make sure the rewards can be easily redeemed for things you actually need, like statement credits or travel.

5. Additional Perks: Some business credit cards offer extra perks, like purchase protection or employee cards at no extra cost, which can be especially helpful for business owners who need to provide cards to multiple employees.

Top Business Credit Cards for Office Supplies

Now that we’ve gone over the features to look for in a business credit card, let’s dive into some of the top options for earning cashback on office supplies.

1. Ink Business Cash® Credit Card

One of the best business credit cards for earning cashback on office supplies is the Ink Business Cash® Credit Card from Chase. This card offers an exceptional rate for office supply purchases.

Key Features:

• 5% Cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

• 1% Cashback on all other purchases.

• No annual fee.

• Introductory Bonus: Earn $750 bonus cashback after you spend $7,500 on purchases in the first 3 months from account opening.

• Purchase protection: Offers protection for items bought with the card against theft or damage.

Why It’s Great for Office Supplies: The 5% cashback on office supply purchases (up to $25,000 per year) is incredibly competitive. Office supply stores like Staples and Office Depot often offer significant business-related purchases, and this card lets you maximize that spending. This cashback rate is among the highest available on the market for this category.

2. American Express Blue Business Cash™ Card

Another excellent option is the American Express Blue Business Cash™ Card. This card offers a great cashback rate, especially for businesses that have a variety of expenses, including office supplies.

Key Features:

• 2% Cashback on the first $50,000 spent each year (then 1%) at U.S. office supply stores.

• 1% Cashback on all other purchases.

• No annual fee.

• Introductory Offer: Earn $250 in statement credits after spending $3,000 in purchases within the first 3 months from account opening.

• Employee Cards: You can add employee cards at no extra cost, which can help you earn more rewards as employees make purchases on behalf of your business.

Why It’s Great for Office Supplies: This card offers 2% cashback on U.S. office supply store purchases up to $50,000 per year, which is a fantastic deal if you do a lot of purchasing in this category. The 2% cashback rate is solid and competitive, especially if you plan on spending more than the $25,000 threshold required by some other cards.

3. Chase Ink Business Unlimited® Credit Card

While the Ink Business Unlimited® Credit Card doesn’t offer a special rate for office supply purchases specifically, it still provides great cashback opportunities with its flat-rate rewards structure.

Key Features:

• 1.5% Cashback on all purchases, including office supplies.

• No annual fee.

• Introductory Bonus: Earn $750 bonus cashback after you spend $7,500 on purchases in the first 3 months.

• Purchase protection.

Why It’s Great for Office Supplies: If you prefer the simplicity of a flat-rate cashback card, the Ink Business Unlimited® gives you 1.5% cashback on every purchase. You won’t have to track rotating categories or specific spending categories. If you don’t want to worry about the nuances of different cashback rates, this card is a great option.

4. Bank of America® Business Advantage Cash Rewards Mastercard®

The Bank of America® Business Advantage Cash Rewards Mastercard® offers flexibility with its category options, which can be customized to fit your business needs.

Key Features:

• 3% Cashback on the category of your choice, which includes office supplies, on the first $50,000 in combined purchases each year (then 1%).

• 2% Cashback on restaurant and gas station purchases.

• 1% Cashback on all other purchases.

• No annual fee.

• Introductory Offer: Earn $300 in statement credits after spending $3,000 in the first 90 days.

Why It’s Great for Office Supplies: This card allows you to choose 3% cashback in a category of your choice, and you can choose office supplies as that category. This makes it a highly flexible option if you don’t want to commit to a specific spending limit or rotating categories.

5. Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business is another solid choice for businesses looking for a straightforward cashback card.

Key Features:

• 2% Cashback on every purchase, including office supplies.

• No annual fee for the first year, then $95 after that.

• Introductory Offer: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months.

• Employee Cards: You can add employee cards at no extra cost, and all purchases made by employees will earn cashback.

Why It’s Great for Office Supplies: The 2% cashback on every purchase, with no limits or rotating categories, makes this card an excellent choice for those who want simplicity and consistency. This card is perfect if you don’t want to track specific categories and just want a flat cashback rate across all purchases.

6. The Blue Business® Plus Credit Card from American Express

For those who prefer earning points that can be redeemed for travel or other rewards, the Blue Business® Plus Credit Card might be a good fit.

Key Features:

• 2 Membership Rewards® Points per dollar on the first $50,000 in purchases each year (then 1 point per dollar).

• No annual fee.

• Introductory Offer: Earn 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases in the first 3 months.

• Employee Cards: You can add employee cards at no extra cost.

Why It’s Great for Office Supplies: While this card doesn’t offer cashback directly, it earns 2 Membership Rewards® points per dollar on the first $50,000 in purchases each year. These points are flexible and can be redeemed for a variety of rewards, including travel, which can be especially valuable for business owners who frequently travel.

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Conclusion

Choosing the right business credit card for office supplies depends on your business needs and how much you plan to spend. If you’re looking for the highest cashback rate for office supplies, the Ink Business Cash® Credit Card with its 5% cashback on office supply purchases is a great option. Alternatively, if you prefer a more flexible cashback structure or want to customize your rewards, options like the Bank of America® Business Advantage Cash Rewards Mastercard® or the American Express Blue Business Cash™ Card provide excellent benefits.

Regardless of which card you choose, the key is to carefully evaluate the features of each card, your spending patterns, and how much you can maximize the rewards. This way, you can ensure that your business gets the best possible return on office supply purchases, all while building credit and improving your financial management.