eCommerce Credit Card [2024] Best Business Credit Cards For eCommerce

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I’m a credit card nut. I have over 20 credit cards. Still have an excellent credit score.

I’ll share my insider tips for which eCommerce credit card to pick, how to ace your application to get approved, and how to collect the biggest stack of cash back or travel rewards.

I’ve been writing about the best business credit cards for eCommerce for over 10 years. 

Here are my current recommendations.

Best eCommerce Credit Card

You probably already have a personal credit card (82% of Americans do).1 Time to add an eCommerce credit card to your tool kit. 

Chase Ink Business Cash

I’ve held this card for, jeez, maybe a decade at this point. 

No annual fee? No brainer!

The sign-up bonus is usually worth anywhere from $300 to $750, depending on their current offer, which you can see here. 

I use my Chase Ink Business Cash card often because I like getting an easy 5% cash back on my internet and cable bills. And… I have a loophole for you.

OK, so with this card you get 5% cash back at office supply stores. Sounds incredibly boring, right? 

But dude… office supply stores like Staples have tons of gift cards to nearly every chain restaurant, gas station, movie theater, and airline, and they often sell Visa gift cards with no fee.

Yeah, that’s right. When I buy a $200 Visa gift card at Staples for $200, this card credits me back $10. And I can use that Visa gift card anywhere. 

(You can spend a maximum of $25,000 a year in the 5% back category.)

So basically, I get 5% off everywhere because of this card.

But if you don’t want to do that, it’s all good. With the Chase Ink Cash card, you automatically get 2% cash back at all restaurants and gas stations. 

(You can spend a maximum of $25,000 a year in the 2% back category.)

extra point Extra Point: Bars and cocktail lounges typically count as restaurants if they serve food, even if you only order drinks. So now your party nights are 2% off, too.

You’ll also get 0% APR for the first year. In other words, you can fund major business-related purchases right after you get the card – and you won’t pay any interest for 12 months. 

That’s why the Chase Ink Cash card makes my list of the best business credit cards.

How to qualify for the Chase Ink Business Cash

  • 670 or higher credit score – What I’ve experienced with myself, friends, and family is that you should have good or excellent credit – meaning your credit score should fall in the 670 – 850 range.
  • You do NOT need to have any income with your business yet. Chase wants to help you get started. 
  • You also don’t need an EIN or special business name. 
  • You can apply using your social security number and your given name. This means your business is a sole proprietorship.
the Chase Ink Business Cash card has no annual fee and is one of the best eCommerce credit cards.
The Chase Ink Business Cash has no annual fee and a big azz sign-up bonus – making it one of the best business credit cards for eCommerce.

Chase Ink Cash ProsChase Ink Cash Cons
No annual fee5% and 2% cash back categories are limited to $25,000 each
0% APR for the first 12 monthsRequires a credit score of about 670 to qualify
Up to 5% cash back on some business-related purchases
Sign-up bonus of up to $750 cash

I’ve been a Chase customer for 20 years. And Chase is the biggest bank in the U.S.2 I’m a big fan of their credit cards.

Selecting a no annual fee business credit card helps you succeed in running these low-cost business ideas with high profit.

Chase Ink Business Unlimited

The Chase Ink Business Unlimited card is great for anyone who values simplicity. 

And yeah, I have this card, too. So yes, you can get approved for all of the various Chase Ink cards, depending on your credit score and income.

With the Chase Ink Business Unlimited, you’ll earn unlimited 1.5% cash back on all purchases.

So, even if you’re spending millions of dollars each year, you’ll keep earning at that 1.5% rate. 

And there’s no annual fee, which means more money in your pocket to keep running your business.

There’s also a welcome bonus. It changes depending on the current offer, but typically it’s between $750 and $900. You can see the current offer here.

The Chase Ink Business Unlimited card also offers 0% APR for the first 12 months. Translation: You won’t pay any interest during your first year with the card. So, let’s say you’re just starting your online shop. You can buy all your software and equipment with this credit card and then take an entire year to pay off the balance without added interest. 

This makes the Chase Ink Business Unlimited card one of the best business credit cards for eCommerce.

Bonus: Until May 2025, the Chase Ink Business Unlimited card pays 5% cash back on Lyft rides. 

How to qualify for the Chase Ink Business Unlimited 

  • 670 or higher credit score.  
  • You do NOT need a profit with your business yet. 
  • You don’t need an EIN or special business name.
  • You can apply using your social security number and your given name. This means your business is a sole proprietorship.
The Chase Ink Business Unlimited credit card is one of the best eCommerce credit cards because it often has huge welcome bonus offers.
The Chase Ink Business Unlimited offers a straightforward rewards structure, paying 1.5% cash back on all purchases.

ProsCons
A big sign-up bonus – usually between $700 and $900. Check here to see.Only 1.5% cash back 
No annual feeUnlikely to qualify with a credit score below 670.
0% APR for the first 12 months
5% cash back on Lyft rides (for a limited time)

Chase Ink Business Preferred

Yup, I also have the Chase Ink Business Preferred card. What can I say, I enjoy credit card points!

The Chase Ink Business Preferred credit card is the best eCommerce credit card for business owners who travel.

The reason is that with the Chase Ink Business Preferred, you’re allowed to use your points on the Chase Travel website (it’s like Expedia). And they boost your points value by 25%. 

So let’s say you have 100,000 Chase points. Instead of getting $1,000 cash back, you can buy $1,250 worth of flights and hotels. 

But I don’t do either of those options.

Instead, I take advantage of Chase’s transfer partners. That’s a whole other article. But the short version is: I flew to Italy, laying down in a Business Class bed with complimentary champagne by transferring my Chase points from this card to Emirates Airlines.

Other popular Chase transfer partners include: United, JetBlue, Southwest, Hyatt, IHG, Marriott, and British Airways.

Chase Ink Business Preferred typically offers you 100,000 Chase points for opening a new card. You can check to see their current offer here. This is a huge bribe, er, value, for us.

What’s the catch? Never make late payments or miss payments. The interest payment is death by debt. That’s the game.

Do know that the Chase Ink Business Preferred costs $95 per year. It’s completely worth it if you intend to earn the bonus points / money. 

For a standard purchase with the Chase Ink Business Preferred credit card, you’ll earn unlimited 1 point for each dollar spent. But you’ll earn 3X points (3 points per dollar) on certain purchases, including:

  • Internet, cable, and phone service
  • Advertisements on social media or search engines – outstanding if you buy PPC ads on Google, Meta ads on Facebook or Instagram
  • That’s because you earn 3X points (worth 3% cash back) on advertisements for social media or search engines. And you get 3X points on shipping-related purchases.
  • Shipping-related purchases
  • Travel

Note: You’ll only get 3X points on the first combined $150,000 you spend in these categories each year. 

How to qualify for the Chase Ink Business Preferred

  • 670 or higher credit score. 
  • A business (even if you don’t make any money yet).
  • No EIN or business name is required.
  • You can apply using your social security number and your given name. This means your business is classified as a sole proprietorship.
The Chase Ink Business Preferred credit card is awesome for eCommerce business owners who enjoy traveling.
The Chase Ink Business Preferred is a great eCommerce credit card, especially for business owners who travel.

ProsCons
3X points on certain business-related and travel expenses$95 annual fee
100,000-point welcome bonus (when you spend $8,000 in your first 3 months)No 0% APR introductory period 
5X points on Lyft rideshare (offer available until March 2025)You’ll likely need “good” or “excellent” credit to qualify
Get free additional cards for employees

American Express Blue Business Cash Card

While I do have a number of Amex cards, I don’t yet have the American Express Blue Business Cash Card. But it’s on my list!

The American Express Blue Business Cash Card is a great option for anyone who wants to protect their business-related purchases. Because it offers automatic purchase protection and other shopping-related benefits.

Here’s a breakdown of what this card offers for shoppers:

  • Extended warranty. You can get up to a year added to the manufacturer’s warranty on eligible products.
  • Purchase protection. You can get your money back if a purchase is stolen or damaged within 90 days.
  • Special experiences. Amex members get exclusive access to ticket presales and events.

Plus, there’s no annual fee, and you’ll get 0% APR for the first 12 months. In other words, getting the card is completely free – and you won’t pay interest for a year.

You’ll earn cash back with this card, too. 

You get 2% on all purchases for the first $50,000 you spend in a calendar year and 1% after that. 

The cashback will automatically be credited to your statement, so you don’t have to worry about redeeming it manually. 

I like perks that save me time. Nicely done, Amex.

The American Express Blue Business Cash Card also offers a $300 welcome bonus when you spend $6,000 in your first 3 months with the card. 

How to qualify for the Amex Blue Business Cash

  • 700 or higher credit score.  
  • Best if you already have some revenue from your business.
  • You don’t need an EIN or registered business name.
  • You can apply using your social security number and your given name. This means your business is a sole proprietorship.
  • Click here to apply now.
The American Express Blue Business Cash credit cards makes it easy for eCommerce business owners to earn cash back.
The American Express Blue Business Cash Card has extra protections for shoppers.

ProsCons
2% cash back (on the first $50,000 spent in a calendar year)You’ll likely need good or excellent credit to be approved
Extended warranties and purchase protectionThe welcome bonus isn’t as generous as similar cards (you have to spend $8,000 in your first 3 months to earn $300)
No annual feeThere are no special cash-back categories with extra rewards

Amex is also one of the best banks for small business because they offer an online business checking account with minimal fees. 

Apply for the American Express Blue Business Cash card here. 

Commonly Asked Questions About The Best eCommerce Credit Card

How To Use Credit Card For eCommerce?

It’s best to get a separate credit card for your eCommerce business. That way, it’ll be easier to keep your personal and business-related finances separate. 

The Chase Ink Business cards and the American Express Blue Business Cash card are the best business credit cards for eCommerce.

What Is The Difference Between Debit Card and Credit Card in eCommerce? 

With a debit card, you’ll put money into a checking account, and when you use the card, the funds will come from the checking account. With an eCommerce credit card, the money you spend will be added to a balance that you’ll pay off later. 

eCommerce Credit Card With Bad Credit?

Get yourself the Discover it Secured Credit Card or the Capital One Platinum Secured Credit Card. 

Both of these eCommerce credit cards are specifically meant for people with bad credit.

E-commerce Credit Card Processing?

E-commerce platforms like Shopify and Sellfy will handle credit card processing for you. If you host our own e-commerce site, you’ll have to work with an eCommerce credit card processor. Stripe is one of the most popular providers of this service.  

To learn more about eCommerce credit card processing options, see my articles:

eCommerce Charge on Credit Card? / What is eCommerce on My Credit Card? 

“eCommerce” refers to anything that’s bought or sold online. So, if you see an eCommerce charge on your credit card bill, it likely stems from an online purchase. 

Best eCommerce Credit Card

If you’re planning to buy ads on Google (PPC), Facebook, Instagram, TikTok, etc., then the best eCommerce credit card for you is the Chase Ink Business Preferred.

That’s because you earn 3X points (worth 3% cash back) on advertisements for social media or search engines. And you get 3X points on shipping-related purchases.

So listen to all your resellers who know What Flips, this card can save you a lot of money.

Best Credit Card For Printify? 

The best credit card for Printify is the Chase Ink Business Cash card. That’s because you can earn a sign-up bonus worth hundreds of dollars, and there’s no annual fee. Boom.

Running a Printify business is one of my favorite hobbies to make money. And it’s a proven way how to make money online for beginners.

Best Credit Card For Print on Demand? 

The best credit card for a Print-on-Demand business is the Chase Ink Business Cash. The reason is you can earn a sign-up bonus worth hundreds of dollars. There’s no annual fee. Sweet.

To learn more about Print-on-Demand, check out my article: Is Redbubble legit?

Print-on-Demand is one of the best business ideas for women.

Related:

Sources:

1 – https://www.atlantafed.org/blogs/take-on-payments/2024/06/17/consumer-survey-data-finds-credit-cards-at-top-of-wallet

2 – https://www.federalreserve.gov/releases/lbr/current/