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If you sell (or re-sell!) items with the intention of profit, you can qualify for a small business credit card to earn miles, points, or cash back for your expenses!
I’ll show you which small business credit cards can help you with your eBay or Amazon business!
Selling for Profit Means You Have a Business
If you sell items on eBay or Amazon, and make a profit, some banks are willing to approve you for a small business credit card.
Folks who operate their business as a sole proprietor can apply using their Social Security Number instead of an EIN (Employer Identification Number) or tax number.
Sellers can use small business credit cards to purchase items they need for their business, including:
- Shipping materials like padding and labels
- Shipping expenses
- Listing fees
- Paper and ink/toner
- Office supplies
- Items you want to fix up to resell
- And anything else you purchase for your small business!
Keeping these expenses separate makes it easy to track what you spend, and everything is in 1 place, which keeps you organized.
Plus, many small business cards earn rewards in the categories you shop the most!
Best Small Business Credit Cards for eBay and Amazon Sellers
1. AMEX SimplyCash
AMEX SimplyCash has a limited-time $250 sign-up bonus after you spend $5,000 on qualifying purchases within the 1st 6 months of opening your account. It’s a no annual fee small business credit card that earns:
- 5% cash back at US office supply stores & US cell phone service on purchases up to $25,000 per 12 month billing period starting around February 1 each year
- 3% cash back in the category of your choice on purchases up to $25,000 per rebate year including shipping, US gas stations, and more!
- 1% cash back on other purchases
So this card will earn 5% cash back per $1 spent at US office supply stores, for boxes, packing supplies, or paper for shipping labels.
And you’ll earn 3% cash back per $1 spent on shipping if you select that as your 3% bonus category. Merchants include the USPS, UPS, and FedEx. So this is an easy way to earn cash back if you ship a lot of items!
You’ll also receive special discounts from the AMEX OPEN small business program (including FedEx and HP).
And, because it’s an AMEX card, it’s eligible for lots of other perks and benefits.
You can sign-up for AMEX Offers with AMEX small business cards. For instance, there are sometimes offers to save money at Staples. That could be helpful if you resell items sold there, like tablets or e-books, because you’d profit right away.
The past few years, AMEX has offered statement credits on AMEX cards on Small Business Saturday. I love this perk and look forward to its return this November!
2. The Business Gold Rewards Card from American Express OPEN
If you like to travel, you can transfer AMEX Membership Rewards points to lots of airline and hotel partners, like Air Canada, Delta, Hilton, and many others!
You’ll earn 3X AMEX Membership Rewards points on 1 of these 5 bonus categories of your choice:
- Airfare purchased directly from airlines
- Advertising in select media
- US gas stations
- Hardware, software, and cloud computing purchases made directly from select providers
You’ll earn 2X AMEX Membership Rewards points per $1 spent in the other 4 categories, and 1X AMEX Membership Rewards point on other purchases. There’s a $175 annual fee on the card, waived for the 1st year.
If you drive to ship your items, you’d earn points for both gasoline and shipping. This is a good card to have if you plan on spending a lot on purchases, or if you want the flexibility of transferring your points to airline or hotel partners.
3. Chase Ink Cards
Link: Chase Ink Plus
One of my favorite business credit cards is the Chase Ink Plus. That’s because it earns:
- 5X Chase Ultimate Rewards points on internet and phone service, cable, and purchases made at office supply stores
- 2X Chase Ultimate Rewards points at gas stations and hotel stays booked directly with the hotel
- 1X Chase Ultimate Reward point per $1 spent on other purchases
If you spend $500 per month on shipping supplies at office supply stores, you’d earn 2,500 Chase Ultimate Rewards points (5 Chase Ultimate Rewards points X $500). That’s worth $25 cash back each month. Or ~$31 towards flights in the Chase Travel Portal.
But my favorite use for these points is to transfer to great partners like Hyatt for hotel stays and United Airlines for flights to Europe, Hawaii, and more.
When you drive to stores for supplies and to ship, you can not only deduct the price of gas from your taxes, but also earn points for travel or cash back too! With the Chase Ink Plus you’ll earn 2X Chase Ultimate Rewards points or 2% cash back at gas stations.
There’s a $95 annual fee, waived the 1st year. Be sure to read about the other benefits of the card!
And if you want a straightforward cash back card, the Chase Ink Cash is a great choice.
It earns 5X Chase Ultimate Rewards points (5% cash back) in the same categories as the Chase Ink Plus.
And it earns 2X Chase Ultimate Rewards points (2% cash back) per $1 spent at gas stations and restaurants.
Folks who also have the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold, can easily combine their points to transfer to airline and hotel partners, or book travel at the Chase Travel Portal, where points are worth 1.25 cents each!
Both the Chase Ink Plus and Chase Ink Cash come with access to the Chase Ink App, which helps you keep track of your expenses.
And if you shop online, be sure to earn even more miles or points by clicking through a shopping portal! When you add it all together, you can earn lots of extra miles and points this way!
4. Capital One Spark Cash Rewards
If you want a simple small business card that offers unlimited 2% cash back on every purchase, consider the Capital One Spark Cash for Business card. One thing to note about this card is when you apply, it pulls inquiries from all 3 credit bureaus.
Usually, banks only pull from 1 bureau. So this card has the equivalent effect of applying for 3 credit cards. Only apply for it if you have good credit and don’t mind a temporary dip in your credit score.
Otherwise, this is a great card to have with an easy-to-understand rewards system!
If your business is selling on eBay or Amazon, you can earn miles, points, or cash back for purchases you’re going to make anyway, like at office supply stores or on shipping, with a small business credit card.
If you think you might have a small business, find out how you might qualify. Generally, as long as you’re for-profit, you can get a small business credit card. You don’t have to have employees or make huge revenues.
A card you use just for your small business will keep your expenses separate and easy to track. And you’ll earn rewards for making the purchases you need to help your business grow!