Every business, big or small, needs to restock on office supplies to keep the workflow running. If your business spends a lot of money on office supplies every month at Staples, Office Depot, or another office supply store, getting a credit card that earns points or cashback can help offset those costs.
Today, we’ll be tackling several business credit cards that will give you the best returns for your office supply purchases, some of which earns up to 5% cashback!
Best for Overall Value: Ink Business Cash® Credit Card (review).
Best for Everyday Spending: The Blue Business® Plus Credit Card from American Express (review).
Best for Hotel Rewards: IHG One Rewards Premier Business Credit Card (review).
1. Ink Business Cash® Credit Card
Best Overall for Office Supply Stores
The Ink Business Cash® Credit Card (review) packs serious value with no annual fee, offering excellent rewards at office supply stores and on internet, cable, and phone services. This business card stands out with its substantial welcome bonus and valuable perks like purchase protection and primary rental car coverage for business rentals. Welcome Bonus: bonus_miles_full Earn Rewards: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; 1% cash back on all other purchases. Card Benefits: Primary rental car insurance, purchase protection, extended warranty, and 0% intro APR for 12 months from account opening on purchases, after that a reg_apr,reg_apr_type APR applies.
2. The Blue Business® Plus Credit Card from American Express
Best for Everyday Spending
The Blue Business® Plus Credit Card from American Express (review) offers a strong 2x Membership Rewards points on the first $50,000 in purchases annually, making it an excellent no-annual-fee (rates & fees) option for small business owners. This card provides good value for everyday spending and access to Amex’s 20+ transfer partners, though it does have foreign transaction fees. Welcome Bonus: 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. Earning Points: 2 American Express Membership Rewards points per dollar on the first $50,000 spent on the card annually (then 1 point per dollar). Card Benefits: Extended Warranty, Purchase Protection, Expanded Buying Power, and 0% Intro APR for 12 months on purchases for 12 months from the date of account opening, after that a reg_apr,reg_apr_type APR applies. Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
3. IHG One Rewards Premier Business Credit Card
Best Hotel Card for Office Supply Stores
The IHG One Rewards Premier Business Credit Card (review) stands out with its generous welcome bonus and valuable ongoing benefits like an anniversary free night certificate (up to 40,000 points) and fourth night free on award stays. The card proves particularly valuable for business owners who can maximize these benefits at IHG properties worldwide. Welcome Bonus: bonus_miles_full Earning Points: 10 points per dollar spent at hotels participating in IHG One Rewards; 5 points per dollar spent on other travel purchases, on dining at restaurants (including takeout and eligible delivery services), on social media and search engine advertising, at office supply stores and at gas stations; 3 points per dollar spent on other purchases. Card Benefits: IHG Platinum elite status, anniversary free night (up to 40,000 points), fourth night free on award stays, earn a $100 statement credit and 10,000 bonus points after you spend $20,000 each calendar year, Global Entry or TSA PreCheck® or NEXUS application fee credit of up to $100 ($120 starting 10/1/24) every four years, no foreign transaction fees, purchase protection, and trip cancellation insurance.
4. Capital One Spark Miles for Business
Best for Unlimited Rewards
The Capital One Spark Miles for Business (review) simplifies rewards earning with double miles on everything you buy. This straightforward business card lets you transfer miles to travel partners or redeem directly for travel purchases, making it a practical choice for business owners who want travel flexibility without complex bonus categories. Welcome Bonus: Earn a 50,000 miles bonus when you spend $4,500 in the first 3 months. Earn Rewards: 5x miles on hotels, vacation rentals, and rental cars for bookings via Capital One’s travel booking site; 2x miles on all other eligible purchases. Card Benefits: Global Entry or TSA PreCheck credit, primary rental car insurance, extended warranty, purchase protection, and no foreign transaction fees. Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
5. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
3% Back at Office Supply Stores
The U.S. Bank Triple Cash Rewards Visa® Business Credit Card (review) is a no annual fee business card that offers a $100 recurring software credit and 3% cash back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.
Welcome Bonus: Earn $600 after spending $4,500 in the first 150 days.
Earn Rewards: 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; 3% back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants; 1% cash back on all other eligible purchases.
Card Benefits: $100 annual Software credit after 11 consecutive months of eligible software service purchases, and 0% intro APR on purchases and balance transfers for 15 months, then 19.24% to 28.24%.
6. The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card (review) offers 2% cash back on the first $50,000 in eligible purchases annually, then 1% thereafter, with rewards automatically credited to your statement each billing cycle. This no-annual-fee card (rates & fees) provides a straightforward way for small businesses to earn cash back on expenses, though larger spenders may find more value in other options. Welcome Bonus: bonus_miles_full Earning Cash Back: 2% cash back on up to $50,000 in eligible purchases every calendar year. After that, the card earns 1% back. Your cash back on the Blue Business Cash appears as an automatic monthly statement credit. Benefits: Extended warranty, purchase protection, secondary rental car insurance, Expanded Buying Power, and 0% Intro APR on purchases for 12 months from account opening, after that a reg_apr,reg_apr_type APR applies. 
7. Capital One Spark Cash Plus
The Capital One Spark Cash Plus (review) is a powerful business card that offers a simple yet rewarding 2% cash back on all purchases. Designed for businesses with high operating expenses and a preference for straightforward rewards, this card eliminates the complexities of tracking bonus categories. With no preset spending limit and a large welcome bonus, the Spark Cash Plus can be a valuable tool for managing cash flow and earning substantial rewards. Welcome Bonus: Earn $2,000 cash back once you spend $30,000 in the first 3 months from account opening. Earning Rewards: 5% cash back on hotels and rental cars for bookings via Capital One’s travel booking site; 2% cash back on all other eligible purchases. Card Benefits: No preset limit, no foreign transaction fees, and extended warranty.
Our Methodology
When curating our list of the best credit cards, we employ a comprehensive review process that reviews over 150 cards to ensure we provide recommendations that suit a wide array of financial needs and preferences. Our methodology is data-driven and consumer-focused, taking into account the following key factors:
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Welcome Bonuses: We assess the value of the welcome bonuses offered by credit cards, understanding that a substantial initial bonus can significantly enhance the cardholder’s value proposition.
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Fees: It’s essential to consider the cost of owning a credit card. We evaluate annual fees, balance transfer fees, and foreign transaction fees, among others, to determine how they might offset the card’s benefits.
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Rewards: We analyze the rewards structure of each card, looking at the earning rate on purchases, the variety of categories that earn rewards, the overall value of the rewards points or miles, and redeeming points, miles, or cash back.
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Travel Benefits: For cards tailored towards travelers, we review all of the cards’ travel benefits including, airport lounge access, travel insurance, and no foreign transaction fees, to judge the card’s utility for frequent travelers.
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Purchase Benefits: We also consider purchase benefits such as extended warranty, purchase protection, cell phone insurance, and return protection, which can provide additional value and peace of mind for cardholders.
Our selections are regularly updated to reflect the most current offers and card features, ensuring our readers have access to the most relevant and beneficial credit card options on the market.
Frequently Asked Questions
How to Maximize Rewards at Office Supply Stores?
To maximize rewards with a credit card at office supply stores, choose a card that offers a high rewards rate or cash back specifically on purchases in this category.
Pay attention to any spending caps that might limit the amount of rewards you can earn, and plan your purchases to avoid exceeding these limits.
Take advantage of any introductory offers, such as sign-up bonuses, by meeting the required spending thresholds with your office supply purchases.
Use the card for all office supply-related expenses to accumulate rewards more quickly, including technology, furniture, and everyday office supplies. Lastly, keep an eye on the card issuer’s promotions or bonus reward opportunities that could further increase your earnings on office supply store spending.
What features Should I Look for in a Credit Card for Office Supply Purchases?
When looking for a credit card for office supply purchases, prioritize cards that offer bonus rewards or higher cash back percentages for spending at office supply stores.
Check if the card provides additional perks that can benefit office-related expenses, such as discounts on business services or free shipping offers. Consider whether the card has an annual fee and if the rewards earned will offset this cost.
Look for cards that offer added protections on purchases, like extended warranties or insurance on office equipment. Lastly, for businesses with higher spending, seek out cards with high or no spending limits on rewards to ensure you get the most out of your office supply purchases.
For rates and fees of the American Express Blue Business Cash™ Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
