The Best Business Credit Cards for E-Commerce

The Best Business Credit Cards for E-Commerce

The right credit card can serve as a valuable tool for your e-commerce business. Whether you want a straightforward card that earns you flat-rate cash back for your spending or you want to offset your travel costs using credit card rewards, the best business credit cards for e-commerce can help you achieve your goals.

Since you’re probably busy running your business, we’ve done the heavy lifting of comparing cards for you. Read on to learn about some of the best credit cards for e-commerce. 

Types of Credit Cards for E-Commerce Businesses

If you’re looking for a credit card for your e-commerce business, it’s important to understand which types of cards are available. At the highest level, there are two types of cards—business credit cards and corporate credit cards. A business credit card may be sufficient for smaller e-commerce operations, but if your company has seen significant growth in terms of its size and revenue, a corporate card can make more sense. 

Depending on the card you choose, both business credit cards and corporate credit cards may let you earn rewards from your business spending, which can be handy for offsetting costs. Rewards may come in the form of cash back, points, or miles. 

The 5 Best Business Credit Cards for E-Commerce


If your e-commerce business is growing rapidly, a corporate card could make sense for you. The card lets you earn up to 3% back from your digital advertising purchases, and cardholders benefit from high spending limits and unlimited virtual cards for different accounts, campaigns, and ad networks. 

This card might be handy if you’re spending a lot on digital ads and need flexibility as you scale your efforts. It also lets you track your campaigns in one dashboard, making it simple to view and analyze your spending at a glance. Plus, there are no founder guarantees or credit checks required, so you won’t need to worry about dings to your business or personal credit score.

2. American Express Business Gold 

If you run a smaller e-commerce business, a travel rewards card like the American Express Business Gold Card may be worth considering. With this card, you can earn 70,000 Membership Rewards points after spending $10,000 in the first three months. Those points are valued at around $700, depending on how you use them. 

In addition to its valuable welcome bonus, this credit card offers up to 4X points in your two highest business spending categories up to $150,000 per year. Spending categories include airfare, advertising, certain tech purchases, gas stations, dining, and shipping. While this card does have a $295 annual fee, you could offset that fairly quickly if you use it frequently for business purchases. 

If you travel often, you may also want to consider the American Express Business Platinum card, which offers premium travel perks and other benefits.

3. Chase Ink Business Preferred 

With a relatively small annual fee of $95, the Chase Ink Business Preferred is worth considering for its valuable rewards and benefits. Cardmembers can earn a generous sign-up bonus—100,000 Chase Ultimate Rewards points after spending $15,000 in the first 90 days of account opening. Plus, this card offers 3X points on $150,000 worth of combined spending per calendar year on eligible purchases in categories like ad spending, shipping, travel, and internet or phone service providers. 

Overall, it’s a great card for small business owners who travel frequently but don’t want to pay a high annual fee. Those who prefer a no-annual-fee card may want to consider the Chase Ink Business Unlimited as an alternative. 

4. American Express Blue Business Plus 

The Amex Blue Business Plus card has no annual fee and lets you earn 15,000 bonus points after spending $3,000 in the first 90 days of card membership. While this welcome offer is modest compared to some other cards on our list, this card also comes with an introductory 0% APR on purchases for 12 months. This intro APR period may come in handy if you have large business expenses you’d like to pay down over time. Cardholders also earn 2X points on up to $50,000 in annual spending, and 1X points after that.

Those seeking a straightforward small business credit card with an introductory APR may find what they’re looking for with the American Express Blue Business Plus. Or if you’d prefer a card that earns cash back, the American Express Blue Business Cash card also offers an intro APR and no annual fee. 

5. Brex

The Brex corporate card could be a good choice if your e-commerce business is growing quickly. You can choose from two card options—one that you pay daily and one that you pay monthly. 

The card you pay daily offers tiered rewards in certain spending categories, including 8X points on rideshare, 5X for purchases made through Brex Travel, 4X on dining, 3X for software subscriptions, 1.5X on ads, and 1X on all other purchases. It’s available to businesses of any size that have a Brex Cash account. 

The monthly payment card features tiered rewards as well, though they’re slightly different based on your industry. For example, cardmembers in the tech industry earn 7X points on rideshare, 4X on Brex Travel, 3X on dining, 2X for software subscriptions, and 1X on all other purchases. It’s available to businesses that meet certain size and revenue requirements.

What to Look for in a Business Credit Card for E-Commerce

As you’re comparing business credit cards, it’s a good idea to consider the following things to help you find the best business credit card for e-commerce:

  • Your spending: Perhaps you spend a lot of money on business travel, or maybe digital advertising is your largest expense. Take a look at your expenses and determine your top spending categories before you apply for a card.

  • Type of card: Some business credit cards earn cash back, while others earn points or some other type of reward. There are also corporate cards and small business cards. Think about the type of card you need and compare rewards programs to help narrow down your options.

  • Your business needs/goals: To some degree, the right card for you will depend upon your business goals. For instance, if you’re looking to scale your ad spending and earn rewards in the process, the card might be your best choice. But if you want to offset the cost of your business travel, you may be better off with the Amex Business Gold. 

Why is the Best Business Credit Card for E-Commerce

For high-growth e-commerce startups looking for the ideal credit card, has a lot to offer—especially if you’re building out your digital advertising efforts. Its flexible credit limits and straightforward dashboard make it easy to scale your spending and keep track of your campaigns. 

Plus, you’ll benefit from 3% cash back rewards on your ad spend for the first three months and other perks like unlimited virtual cards. Overall, it’s one of the best credit cards for e-commerce businesses with significant digital ad spend.

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