Best E-Commerce Business Credit Cards 2025
Karl says: “For eCommerce entrepreneurs, the right credit card can boost your business. The Ink Business Cash® Credit Card offers 5% cash back on essential services and a 0% intro APR for 12 months. The American Express® Business Gold Card earns 4X points on key expenses, while the Amazon Business Prime American Express Card gives 5% back on Amazon purchases. Finally, the Capital One Spark Cash Plus provides unlimited 2% cash back on all purchases, making it perfect for managing operational costs.”
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Key offer
– High Cash Back on Digital and Business Essentials – Earn 5% cash back on internet, cable, and phone services (up to $25,000 per year), which are crucial for running an eCommerce business, including hosting, marketing, and online operations.
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– 0% Intro APR for 12 Months on Purchases – This allows eCommerce businesses to invest in inventory, advertising, or website improvements without immediate interest costs, improving cash flow management.
Welcome offer
Earn $350 in the form of 35,000 points when you spend $3,000 on purchases in the first 3 months, and an additional $400 in the form of 40,000 points when you spend another $3,000 on purchases in the first 6 months after account opening.
Annual fee
$0
Card Rewards
– 5% cash back – Office supply stores, internet, cable, phone services (up to $25,000/year combined)
– 2% cash back – Gas stations, restaurants (up to $25,000/year combined)
– 1% cash back – All other purchases (unlimited)
Premium Benefits
– $0 annual fee – Keep overhead costs low while maximizing value.
– 0% intro APR for 12 months on purchases – Ideal for financing inventory, marketing, or tech upgrades interest-free.
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– Earn a 10% annual points bonus if you have a Chase Business Checking Account.
– Automatic credit line reviews every 6 months for potential increases.
– Helps build business credit by reporting to commercial credit bureaus.
Shopping Protections
– Purchase Protection – Covers new purchases against damage or theft for 120 days (up to $10,000 per item).
– Extended Warranty Protection – Adds 1 extra year to eligible U.S. manufacturer warranties (3 years or less).
Travel & Auto Benefits
– Primary rental car insurance for business travel – Coverage up to $60,000.
– Access to Travel & Emergency Assistance Services – Legal and medical referrals while on the go.
– 24/7 Roadside Dispatch for emergency vehicle services (fees apply).
Minimum Qualifications
• Recommended credit score: 700+ (Very Good)
• Must be a small business owner or sole proprietor — side hustles and freelance work qualify
• Chase 5/24 rule applies — if you’ve opened 5+ personal cards in the past 24 months, you’ll likely be denied
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• You cannot open more than 2 Chase cards within 30 days
• You can apply again for this card under a different business, even if you already have it
• You can also apply again under the same business if enough time has passed — usually 24 months, but some reports show 12 months may be enough
Key offer
– High Earning Potential on Key Business Expenses: Earn 4X Membership Rewards® points on the top two eligible spending categories each billing cycle, including U.S. purchases for advertising, software, and cloud services—essential for scaling an e-commerce business.
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Plus you’ll Receive up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (e.g., Staples).
– Benefit from a 0% introductory APR for 6 months on purchases eligible for Pay Over Time, providing flexibility in managing cash flow and inventory investments.
Welcome offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* + Get 0% on purchases 6 months from date of account opening
Annual fee
• Primary card annual fee: $375
• Employee Gold Cards (1–5): $95 total annual fee (covers up to 5 cards)
• Each additional Employee Gold Card (6–99): $95 per card annually
• Business Expense Cards: $0 annual fee (up to 99 cards)
Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.
Ideal for Digital Marketing Spend
Card Rewards
– 4X Membership Rewards® Points – Top 2 categories each billing cycle (up to $150,000/year): U.S. advertising (online, TV, radio), software & cloud providers, wireless phone services, U.S. gas stations, U.S. restaurants, transit (rideshare, tolls, parking, etc.)
– 3X Points – Flights and prepaid hotels booked through AmexTravel.com
– 1X Points – All other eligible purchases.
Premium Benefits
Annual Credits
– Up to $240 Flexible Business Credit – Get up to $20 per month in statement credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (enrollment required)
– Up to $155 Walmart+ Credit – Covers the $12.95/month membership fee when paid with the card (enrollment required)
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Expense Management Tools
– Integration with QuickBooks for automatic expense categorization
– Year-end summaries to simplify accounting and tax reporting
Travel Benefits
– The Hotel Collection – $100 experience credit and potential room upgrades on eligible 2+ night stays through AmexTravel.com
– No foreign transaction fees – Ideal for international business purchases
Purchase & Travel Protections
– Purchase Protection – Covers eligible items against theft or damage for up to 90 days (up to $10,000 per item)
– Extended Warranty – Adds up to one extra year on eligible manufacturer warranties
– Baggage Insurance Plan – Covers lost, damaged, or stolen baggage when travel is booked entirely with the card
Minimum Qualifications
American Express® Business Gold Card
• Recommended credit score: 700+ (Very Good)
• This is a charge card, so it doesn’t count toward Amex’s 5-card limit for credit cards
• You can hold multiple Amex charge cards at once
• Amex uses a once-per-lifetime rule for welcome bonuses — you won’t get the bonus again unless you’re targeted
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• Applying for more than 2 Amex cards in 90 days may lead to a denial
• Amex typically doesn’t report business card activity to personal credit, unless the account defaults
• Approval is more likely with established business revenue or strong personal credit
Key offer
– Maximized Rewards on Amazon Purchases: Offers 5% back or 90-day interest-free payment terms on U.S. purchases at Amazon Business, AWS, Amazon.com,
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and Whole Foods Market — ideal for businesses spending heavily on Amazon platforms.
– No Annual Fee with Valuable Business Rewards: Earn 2% back at U.S. restaurants, gas stations, and wireless telephone services, plus 1% back on all other purchases — all without an annual fee.
Welcome offer
– Eligible Prime Members receive a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Annual fee
$0
Card Rewards
– 5% Back or 90-Day Payment Terms: On the first $120,000 spent annually at Amazon Business, AWS, Amazon.com, and Whole Foods Market; 1% thereafter
– 2% Back: At U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
– 1% Back: On all other eligible purchases
Premium Benefits
Business Features:
– No Annual Fee for primary and employee cards
– Seamless Amazon Business Integration for tracking and managing expenses
– Employee Cards at No Cost with customizable spending limits
– Account Manager Access to delegate card management to trusted team members
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Travel & Security:
– No Foreign Transaction Fees
– Car Rental Loss & Damage Insurance
– Global Assist® Hotline for 24/7 travel emergencies
– Baggage Insurance Plan for lost or damaged baggage
Protections & Ease of Use:
– Purchase Protection (up to 90 days for damage or theft)
– Fraud Protection with 24/7 security monitoring
– Easy Payment Management via Amex online and mobile app
Minimum Qualifications
• Recommended credit score: 700+ (Good
• You must have an active Amazon Prime membership to be eligible
• Counts toward Amex’s 5-card credit limit for credit cards (not charge cards)
• Subject to Amex’s once-per-lifetime bonus rule — if you’ve had the card before, you likely won’t get the bonus again
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• Suitable for new or established businesses, including sole proprietors
• Business revenue and low personal utilization improve approval odds
Key offer
• Unlimited 2% Cash Back on All Purchases – eCommerce businesses benefit from unlimited 2% cash back on every transaction, with no category restrictions or spending caps,
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making it ideal for inventory, advertising, and operational expenses.
• Flexible Spending with No Preset Limit – This pay-in-full charge card has no preset spending limit, adapting to your business needs based on spending behavior, payment history, and credit profile—allowing for larger purchases without a fixed cap. Best of all it does not report balances for accounts in good standing to the personal credit beaurus, unlike other Spark cards.
Welcome offer
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual fee
• Get your annual fee refunded every year after spending $150,000.
Perfect for High Volume Sellers
Card Rewards
• 5% cashback on hotels and rental cars booked through Capital One Travel.
• 2% cashback on all other purchases.
Premium Benefits
The Spark Cash Plus Card is a top-tier option for eCommerce businesses looking for unlimited cash back, flexible spending, and premium travel benefits, making it an excellent choice for scaling online businesses
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Business-Friendly Features:
• No Preset Spending Limit – The card adapts to your business needs, allowing greater purchasing power based on spending behavior.
• Pay-in-Full Card – Must pay the balance in full each month, helping businesses manage spending responsibly.
• Annual Fee Refund – The $150 annual fee is refunded if you spend $150,000 per year.
• Employee & Virtual Cards for Free – Issue employee and virtual cards at no cost, earning rewards on employee transactions.
Expense & Account Management:
• Automatic Payments – Set up AutoPay to simplify monthly payments.
• Year-End Summaries – Get detailed reports for budgeting and tax preparation.
• Account Managers – Assign a trusted employee to handle transactions and payments.
• Purchase Records & Software Integrations – Sync transaction records with Quicken®, QuickBooks®, and Excel®.
Travel & Protection Benefits:
• No Foreign Transaction Fees – Save money on international purchases.
• TSA PreCheck® / Global Entry Credit – Get up to $120 in statement credits for TSA PreCheck® or Global Entry.
• Capital One Lounge Access – Relax in Capital One airport lounges with luxury amenities.
• Premier Collection Hotels Benefits – Receive a $100 experience credit and perks like free breakfast, room upgrades, and early check-in/late check-out at select luxury hotels.
• Car Rental Insurance – Coverage for rental car theft and damage when using the card.
Security & Fraud Protection:
• $0 Fraud Liability – You’re not responsible for unauthorized charges if your card is lost or stolen.
• Virtual Card Numbers – Use virtual cards for safer online transactions without exposing your real card number.
• Fraud Alerts & Card Lock – Get instant security notifications and lock/unlock your card anytime.
• Extended Warranty Protection – Get additional warranty coverage on eligible purchases.
Minimum Qualifications
• Recommended credit score: 740+ (Excellent)
• This is a charge card, so there’s no preset spending limit — but Capital One expects strong business cash flow
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• Approval is unlikely if you’ve opened more than 1 card in the past 6 months, or if you already have 2 Capital One personal cards
• Capital One may report business card activity to your personal credit, depending on how the business is set up
• Requires a registered business or EIN — sole proprietors are eligible
• Pulls from all 3 bureaus and evaluates your whole file
Pro Tips
Consider Your Business Model
- Dropshipping
- Focus on marketing rewards
- Lower inventory requirements
- Digital service benefits
Private Label
- Strong inventory benefits
- Manufacturing payment terms
- International transaction features
Retail Arbitrage
- Purchase protection
- Quick purchasing power
- Flexible payment options
Analyze Your Spending Patterns
- Monthly ad spend
- Inventory purchase volume
- Platform fee totals
- Shipping costs