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The 4 best store cards for small businesses: Get cashback for your SMB

With the right in-store credit card for your small business, you can save money and get cashback on purchases you make.
Written by Erin Gobler, Contributor on

There are plenty of expenses that come with running a business. Luckily, business credit cards make it easy to save money or get cashback rewards on those costs. And while there are plenty of business card cards to choose from, store credit cards reward customers who often shop at a particular store.

When choosing the right in-store credit card for your small business, it's important to find one that offers plenty of rewards on purchases you already make and allows you to spend those rewards in a way that works for you.

Here is our list of the six best in-store credit cards for small businesses.

card highlights
intro bonusEarn a $100 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
APR16.49% - 24.49% Variable
recommended creditExcellent/Good
reward rates
  • Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back 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 other purchases
annual feeNo annual fee
intro purchase APRN/A

Many small businesses find themselves doing their shopping online these days. If that's the case for your business, then the Amazon Business Prime American Express Card might be the right choice for you. 

When you accrue rewards, you can either redeem them for Amazon gift cards or apply them directly to charges on your credit card statement. Another perk is the robust manager controls. You can easily add and remove employees, set spending limits, track employee purchases, and more. You can also use your card to pay bills with Vendor Pay by Bill.com, allowing you to take advantage of more rewards.


  • No annual fee
  • Competitive rewards
  • Manager controls


  • Amazon Prime membership is required
  • High penalty APR
  • Forfeit points by canceling your Amazon Prime membership or making a late payment
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Amazon Business Prime American Express Card

card highlights
intro bonusLimited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.
APR18.74% - 27.74% Variable
recommended creditExcellent/Good
reward rates
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year.
annual fee$550
intro purchase APRN/A

The Delta SkyMiles Reserve Business American Express Card is an excellent option for businesses that travel often. You earn three miles per dollar on Delta purchases and one mile per dollar on other purchases as a cardholder. Additionally, once you've spent $150,000 in a calendar year, you're upgraded to one and a half miles per dollar spent.

In addition to the miles rewards, your Delta SkyMiles card comes with plenty of other travel perks, including: Delta Sky Club guest passes, no foreign transaction fees, concierge service, free credit for global entry or TSA PreCheck, and more. All the perks that come with this Delta card do come with a price tag. The card has an annual fee of $550, which is higher than most. 

You also can't use your rewards on anything except travel, which means you lose out if you stop traveling. Don't worry, though -- rewards never expire, meaning you can always use them later.


  • Earn rewards for flights, seat upgrades, and more
  • Large welcome bonus
  • No limit or expiration on miles


  • High annual fee
  • High spending required to maximize rewards
  • Rewards are limited to travel
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Delta SkyMiles® Reserve Business American Express Card

card highlights
intro bonusGet $75 off your first account purchase of $150 or more
APR14.99% - 29.99%
recommended creditExcellent/Good/Fair Credit
reward rates
  • 5% back in rewards on Staples More Account purchases.
annual fee$0
intro purchase APRN/A

For businesses that regularly find themselves purchasing office supplies, the Staples More Account Credit Card is a great option. The card comes with plenty of perks, including up to 5% cashback in rewards on each purchase, both in-store and online. Another benefit of the Staples card is the deferred financing plans. Deferred financing is available interest-free for 6, 12, or 18 months, depending on how much you spend.

There are also some downsides to the card. First, issued rewards expire on the last day of the month following the month in which they were issued. As a result, you have to use them quickly or lose them. Another downside to this card is the interest rate. Rates can go up to 29.99%, which is higher than many competitors.


  • No-interest deferred financing plans
  • Excellent rewards
  • Free next-day delivery
  • No annual fee


  • High-interest rates
  • It can only be used at Staples
  • Rewards expire quickly

Staples More Account Credit Card

card highlights
intro bonusN/A
APR18.24% (Variable)
recommended creditExcellent Credit
reward rates
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
annual fee$0
intro purchase APRN/A

The Costco Anywhere Visa Business Card is designed for small businesses that are also Costco members. This card comes with plenty of benefits, including no annual fee and no foreign transaction fees. This card also offers competitive rewards.

One of the downsides of the Costco business card is that you can only redeem your rewards once per year, and the rewards are also tied to your Costco membership. And if you cancel your membership, you'll not only have your card canceled, but you'll lose the rewards you've accrued that year.


  • No annual fee
  • No foreign transaction fees
  • Competitive rewards
  • Rewards no matter where you shop


  • Only available to existing Costco members
  • Cashback redemption is only available once per year
  • Cancelling Costco membership cancels the card and forfeits rewards
  • Limit on gas rewards

Costco Anywhere Visa® Business Card by Citi

card highlights
intro bonusGet $100 cash back upon approval. Cash back is earned automatically as a statement credit.
APR17.99% - 26.99% Variable
recommended creditN/A
reward rates
  • 5% Cash Back in the first 6 months on eligible purchases at Lowe's. Earn 2% cash back thereafter. New accounts only.‡
  • 2% cash back At Lowe's to reward yourself for shopping at Lowe's stores or online at Lowes.com or LowesforPros.com‡
  • 2% Cash Back on Business Categories at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.‡
  • 1% cash back on other purchases made using your Lowe’s Business Rewards Card‡
annual fee$0
intro purchase APRN/A

The Lowe's Business Rewards American Express Card is a great option for home improvement businesses or companies that spend a lot of money on these sorts of expenses. The card comes with cashback offers that include: 5x points in the first six months on purchases made at Lowe's and 2x points on purchases at Lowe's, Lowes.com, or LowesforPros.com.

While the card comes with excellent rewards, they can only be redeemed for Lowe's gift cards. As a result, this card is best for businesses that shop at Lowe's frequently. Additionally, you must have at least 2,500 points to redeem.


  • No annual fee
  • 0% introductory APR
  • Access to Lowe's ProServices


  • Foreign transaction fees
  • Rewards only redeemable for Lowe's gift cards
  • Redemption starts at 2,500 points
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Lowe’s Business Rewards American Express Card

How did we choose these credit cards?

There are many business credit cards on the market, and we narrowed it down to just six. We chose the cards on this list by considering factors such as sign-up bonuses, rewards, fees, and functionality. 

To make sure we chose the best cards for most businesses, we looked at common business expenses to find cards that offered benefits on those expenses.

Ultimately, we sought to find the best in-store credit card for a variety of different spending purposes, from online shopping to travel to office supplies.

Which one is the right credit card for you?

With the number of business credit cards available today, it can be difficult to decide which is right for you. 

The most important question to ask yourself is: What do I spend money on now? Once you know that, you can find the card that offers the best perks for your current spending.

Are there alternatives worth considering?

The six credit cards on this list are some of the best store cards for small businesses. But a store card doesn't necessarily make sense for every business.

Instead, you might also consider two of the other credit cards for small businesses, which aren't limited to a single retailer:

  • Chase Ink Business Unlimited® Credit Card
  • The Business Platinum® Card from American Express

How do small businesses get credit cards?

To get a credit card for your business, you'll have to undergo a business credit check. For new businesses, you may need to provide a personal guarantee using your personal credit.

Which store credit card is best for small businesses?

The best store credit card depends on your small business needs. For example, businesses that travel frequently might find the Delta SkyMiles to be the best, while companies that frequently buy online might prefer the Amazon business card.

What credit score is needed to get a business credit card?

Business credit cards often require a personal credit score of about 700 to get the best credit card offers.

Is getting a store credit card a good idea?

A store credit card can be a great idea if your business frequently shops at one retailer, but in other cases, a card that isn't specific to a particular store might be a better option.

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