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eBay Sellers: Don’t Miss Out on Easy Miles, Points, or Cash Back in 2018!

eBay Sellers: Don’t Miss Out on Easy Miles, Points, or Cash Back in 2018!

Million Mile SecretseBay Sellers: Don’t Miss Out on Easy Miles, Points, or Cash Back in 2018!Million Mile Secrets Team

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Card Name Sign-Up Bonus
The Business Platinum® Card from American Express OPEN


Up to 75,000 AMEX Membership Rewards points

Earn 50,000 Membership Rewards points after you spend $10,000 on purchases and an extra 25,000 points after you spend an additional $10,000 on purchases in the first 3 months from account opening
Ink Business Preferred℠ Credit Card
80,000 Chase Ultimate Rewards points (worth $800 in cash back or $1,000 in travel) after you spend $5,000 on purchases in the first 3 months from account opening
Ink Business Cash℠ Credit Card
30,000 Chase Ultimate Rewards points (worth $300 in cash back) after you spend $3,000 on purchases in the first 3 months from account opening
Capital One® Spark® Miles for Business
50,000 Capital One Spark miles (worth $500 in travel) after you spend $4,500 on purchases in the first 3 months from account opening
Capital One® Spark® Cash for Business
$500 cash back after you spend $4,500 on purchases in the first 3 months from account opening


Selling on eBay can be a very rewarding side hustle.  Just ask team member Keith who has earned 500,000+ points drop shipping sewing machines.  He’ll tell you about some of the best credit cards for eBay sellers!

Keith:   Thanks, Daraius!  Selling items for a profit on eBay can qualify you for a small business card.  This means you can unlock valuable new cardmember sign-up bonuses!

And you can generate miles, points, or cash back purchasing products or paying expenses related to your business.  Plus, some cards includes useful bonus spending categories, like office supply stores.  This means you can earn bonus rewards just by using the right card!

Best Credit Cards For EBay Sellers 2018
The Ink Business Preferred & AMEX Business Platinum Are 2 of My Top Picks for eBay Sellers Because You Earn Valuable Points That Can Save You Money on Travel!

Some eBay sellers (including me) use multiple small business cards to take advantage of the perks that each one offers.  For example, certain cards offer a way to save money on purchases with select merchants.  This means you can use these cards to buy items at a discount and resell them for a profit.

Enhance eBay Profits by Earning Miles & Points With Small Business Cards!

Link:   How to Qualify for a Small Business Credit Card (And Why You Should Get One!)

Link:   Earn Big Miles & Points With These 7 Quick Small Business Ideas

Qualifying for a small business card with an eBay side hustle is easier than you might think.

You have the option to enter your social security number on a business card application instead of an EIN (Employer Identification Number).  Here are step-by-step guides to completing business card applications with AMEX and Chase.

Remember, you’re personally responsible for the charges on a business credit card.  So banks look at your total income and credit score when evaluating your business credit card application.  So it’s possible to get approved for a business card with minimal business income if the rest of your credit profile is strong.

Besides earning valuable rewards, using a business card helps me keep personal and business expenses separate!  This makes it easy to track income and expenses!

Best Credit Cards For EBay Sellers 2018
Shopping for eBay Merchandise With a Business Card Instead of a Personal Card Helps Me Stay Organized and Track My Profits More Easily!

The best card for your eBay business will depend on your travel goals.  My preference is to earn miles & points to save money on award flights and hotels, which helped my wife and I take recent trip to New Zealand and Australia.  But I know some folks prefer earning straightforward cash back.

Here are my top 5 cards picks for eBay sellers.

1.   AMEX Business Platinum

Link:   My Review of the AMEX Business Platinum

The AMEX Business Platinum card earns flexible AMEX Membership Rewards points, which you can transfer directly to 20 AMEX airline or hotel partners.

When you sign-up for the AMEX Business Platinum card, you’ll earn:

This is a huge minimum spending requirement.  But you can likely put a big dent in the requirement by purchasing merchandise for your eBay store or using drop shipping.

A terrific perk of the AMEX Business Platinum is getting access to AMEX Offers.  With these deals you can save money or earn bonus points for purchases that can help your eBay business.  For example, Million Mile Secrets team member Meghan made nearly $1,000 purchasing discounted Xboxes and reselling them.

Best Credit Cards For EBay Sellers 2018
Scan Your AMEX Offers Periodically to Find Deals That Can Earn You Bonus Points or Get You a Quick Profit by Reselling!

With the Business Platinum card, you’ll also get:

  • 1.5X AMEX Membership Rewards points on single purchases of $5,000+
  • 5X AMEX Membership Rewards points when you book airfare and hotels through the AMEX travel portal
  • 35% of your points back for ALL First Class or Business Class flights booked through the AMEX travel portal using Pay With Points
  • 35% of your points back for all flights, including coach tickets, booked with your selected airline through the AMEX travel portal using Pay With Points
  • Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, in-flight food & drink, etc.)
  • Ability to book hotel stays through AMEX Fine Hotels & Resorts
  • Statement credit for Global Entry or TSA PreCheck
  • Terms & limitations apply

This card has a $450 annual fee, which is NOT waived.  But it’s not difficult to offset the fee by taking advantage of a few perks, like statement credits for airline incidentals or Global Entry.

2.   Chase Ink Business Preferred

Link:   Ink Business Preferred℠ Credit Card

Link:   My Review of the Ink Business Preferred Card 

With the Ink Business Preferred, you earn flexible Chase Ultimate Rewards points, which you can transfer to terrific airline and hotel partners like Hyatt and Singapore Airlines.

When you sign-up for the card, you’ll earn 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening.  You also get:

  • 3X Chase Ultimate Rewards points for every $1 you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • 1X Chase Ultimate Rewards points on all other purchases
  • Up to $600 in cell phone insurance when you pay your cell phone bill with the card

So you’ll earn a 3X bonus on shipping, which is a common eBay seller expense.  And you can pay your internet and phone bill to earn bonus points and get coverage for your cell phone.

Best Credit Cards For EBay Sellers 2018
Use the Ink Business Preferred to Pay for Your eBay Shipping Expenses at Places Like FedEx to Earn 3X Chase Ultimate Rewards Points!

The card has a $95 annual fee, which is NOT waived the first year.  But the sign-up bonus is worth at least $800 in cash back or $1,000 in travel.

Keep in mind, the Ink Business Preferred card is impacted by Chase’s tighter application rules.  So if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months, it’s unlikely you’ll be approved for this offer.

3.   Chase Ink Cash

Link:   Ink Business Cash℠ Credit Card 

Link:   My Review of the Chase Ink Cash Card

The Chase Ink Business Cash card is a great no-annual-fee card option for folks selling on eBay.

You can earn 30,000 Chase Ultimate Rewards points ($300 cash back) after spending $3,000 on purchases in the first 3 months from account opening.

With this card, you also get:

  • 5X Chase Ultimate Rewards points (5% cash back) on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • 2x Chase Ultimate Rewards points (2% cash back) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back on all other purchases

So shopping at office supply stores (like Staples or Office Depot) for your eBay business can earn you 5% cash back!

Best Credit Cards For EBay Sellers 2018
I Always Shop for Boxes, Tape, and Other Supplies at Staples to Earn 5X Chase Ultimate Rewards Points With the Ink Cash Card

You can redeem points linked to your Ink Business Cash account for cash back or toward a trip through the Chase travel portal.  Or you can combine points to one of the below cards to transfer points to hotel and airline partners:

Like the Ink Business Preferred, it’s tougher to get approved for the Ink Cash because of Chase’s stricter application rules.

Link:   My Review of the Capital One Spark Miles Card

Capital One has a straightforward rewards program, which means their miles are easy to redeem!  Just pay for travel expenses (like airfare, hotel stays, parking, and much more) with your credit card.  Then, log-in to your account and  “erase” the charge by redeeming your miles.

When you sign-up for the Capital One Spark Miles card, you’ll earn 50,000 Spark miles (worth $500 in travel) after spending $4,500 on purchases within the first 3 months.  And you’ll earn 2X Spark miles per $1 you spend on all purchases.

Best Credit Cards For EBay Sellers 2018
Take a Break From Your eBay Selling and Use the $500 Worth of Travel Sign-Up Bonus to Escape to West Palm Beach, Florida!

Million Mile Secrets reader Susan says UPS shipping purchases code as travel.  This means eBay sellers can redeem Spark miles to offset these charges!

This card has a $95 annual fee, which is waived the first year.  Just keep in mind, if you’re new to miles & points, you might consider waiting to get this card after applying for valuable Chase cards.

5.   Capital One Spark Cash for Business

Link:   My Review of the Capital One Spark Cash Card

Capital One® Spark® Cash for Business

The Capital One Spark Cash card is terrific for eBay sellers who prefer to earn straightforward cash back.

When you sign-up for the Capital One Spark Cash card, you’ll earn a $500 cash sign-up bonus after spending $4,500 on purchases within the first 3 months of account opening.  You’ll also earn unlimited 2% cash back on all purchases!  This is essentially like saving 2% off each purchase.

Best Credit Cards For EBay Sellers 2018
Sign-Up for the Capital One Spark Cash Card to Earn a $500 Cash Back Sign-Up Bonus After Meeting Minimum Spending Requirements, Which You Can Invest Back in Your eBay Business or Deposit in Your Bank Account!

And the card’s $95 annual fee is waived the first year!

Keep in mind, Capital One pulls your credit score from the  3 main credit bureaus when they process your application.  This can have a bigger temporary effect on your credit score than applying for credit cards issued by other banks.

Bottom Line

Whether you’re a full-time eBay seller or just do it as a side hustle, you can earn valuable miles, points, or cash back by using the right rewards credit card.

These are the top 5 business cards team member Keith recommends to eBay sellers:

Remember, selling on eBay is an easy side activity that can make you eligible for a small business card.  You can apply using just your social security number, so there’s no need to have an EIN (Employer Identification Number).

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Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I don't see how either of the Spark cards are worth it beyond a signup bonus since they are both 2% cash back cards with an annual fee. How about 3% with no annual fee in year 1 and after that, a $59 AF and 2.5% cash back with the Alliant Signature card?

While you certainly can use business cards for ebay, you don't have to. I would much rather have the Alliant card or one of many other cards that beat a 2% cash back card with an annual fee.

The Capital One cards have lucrative sign-up bonuses with no annual fees in the first year. You're right that folks should do the math to see if earning 2% after year 1 makes sense based on their spending habits and the annual fee expense.

Good point about using a non-business card for eBay. I prefer it just to track expenses better, but you can also use a separate personal card to do this as well. Thanks for the suggestion of the Alliant Signature card.

What does "selling for profit" mean? Is selling excess household items you no longer want or need on Ebay considered a "for profit" business by the banks?

If you generate consistent revenue and profit with selling household items, you shouldn't have an issue getting approved for a small business card.

Banks consider your total income (including personal salary & wages) and credit score when applying for small business cards. This can help if you don't have significant business income or revenue.

As a data point, I was only selling a few thousand dollars worth of items per year on eBay when I got my first business card.

What card do you use to pay the ebay fees? Is there a card that gives you extra miles for paying the ebay fees? Thank you!

Edgar, the Chase Ink Business Preferred earns 3x points on ebay fees. Also, if you set up the IBP to be your default payment for paypal shipping, you will get 3x points for printing shipping labels as well. Just be sure that your paypal balance is 0, or it will default to paying first from your PP balance.

btw, the 500,000 point sewing machine link directs to a different article.

Thank you Christine. I always wondered about the chase ink. When you pay your fees, do you use your chase directly trough ebay or PayPal? Thank you

I have it set up as my default method of payment through my account in My eBay. It is an automatic payment.

@christine - thanks for pointing that out! I fixed the link.

I use the Ink Business Preferred because I like earning Chase Ultimate Rewards points.

There is an eBay credit card that has a bonus for eBay and PayPal purchases. But I wouldn't recommend it because the sign-up bonus is small and the redemption options aren't great for the points you earn.