5 Best Business Credit Cards for Real Estate Agents & Investors

5 Best Business Credit Cards for Real Estate Agents & Investors

Advertiser & Editorial Disclosure

Whether you invest in real estate or work to help others find the perfect home, having a good credit card can help you get rewarded for your everyday business expenses. Every real estate business is different, however, so there’s no one best card for everyone, especially because agents and investors tend to have different types of expenses.

To help you find the best credit card for your business, we’ve put together a list of our top choices based on how they can provide more value to your bottom line

5 Best Business Credit Cards for Real Estate Agents & Investors

As you compare these and other top business credit cards, consider what your specific expenses and needs are. Also, consider your personal preferences with various features, such as interest rates, fees, and card benefits.  

1. Best for advertising: Ink Business Preferred℠ Credit Card

If you’re a real estate agent, you can only get so many clients from referrals and word-of-mouth advertising. With the Ink Business Preferred℠ Credit Card you’ll be richly rewarded for most of your online advertising costs.

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s worth $1,000 if you redeem them for travel through Chase.

Earn 3 points per $1 in select business categories. This includes purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. You’ll earn 1 point per dollar on everything else.

You can redeem your points for cash back, travel through Chase (you’ll get 25% more value with this option), or by transferring them to one of Chase’s 13 airline and hotel partners.

Other benefits include trip cancellation and interruption insurance, primary rental car coverage, and no foreign transaction fees. The card charges a $95 annual fee.

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. Learn More

2. Best for fixer-uppers: Lowe’s Business Rewards Card from American Express

If your real estate investment business involves fixing up and flipping houses for a profit, the Lowe’s Business Rewards Card from American Express is worth considering. The card offers 5% off of eligible purchases at Lowe’s stores, Lowes.com, and LowesForPros.com.

This card also offers 5,000 Lowe’s Business Rewards points after you spend $100 in the first 30 days, plus an introductory 0% APR promotion on purchases for six months, giving you time to finance a large project and pay it off interest-free.

Unlike many store credit cards, this one isn’t a one-trick pony. In addition to the 5% discount, you’ll also earn:

  • 3 points per dollar spent at restaurants and office supply stores in the U.S., and on wireless telephone services purchased directly from U.S. service providers.
  • 2 points per dollar spent at Lowe’s.
  • 1 point per dollar on all other purchases.

You can redeem your points for Lowe’s, Outdoor Rewards, and American Express gift cards. Also expect to get access to Lowe’s ProServices, which offers discounted delivery, and bulk rate pricing.

3. Best for gas: Sam’s Club® Business Mastercard®

Whether you’re an agent or an investor, you may spend a lot of time in a car driving to view various properties. With the Sam’s Club® Business Mastercard®, you’ll get 5% cash back on eligible gas purchases on the first $6,000 spent each year, then 1% after that.

You’ll also earn 3% cash back on dining and travel, and 1% back on all other purchases. The card doesn’t have an annual fee, but you do need to be a Sam’s Club Business membership to have the card, which costs $45 per year.

The good news is that you don’t have to shop at Sam’s Club to use the card. And if you spend enough on gas, you can easily make up for the card’s unofficial annual fee.

4. Best for a high rewards rate: The Blue Business℠ Plus Credit Card from American Express

If you don’t spend a lot in any one category or just want a high rewards rate on every purchase you make, look no further than the The Blue Business℠ Plus Credit Card from American Express.

Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.. American Express Membership Rewards points can be particularly valuable if you transfer them to the program’s partner airlines and hotels.

The card also provides an introductory APR promotion of 0% on purchases for 12 months. So if you’re planning a big makeover project or have some startup costs for your agency, you’ll have plenty of time to pay off the purchases interest-free.

The card has a credit limit, but you may be able to spend beyond it without fees or penalties. You also won’t pay an annual fee, and you’ll get access to some tools to help with your accounting and expense management.

The Blue Business℠ Plus Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases Learn More

5. Best for fair credit: Capital One® Spark® Classic for Business

If you have fair or average credit, you’ll have a hard time getting a good business credit card. Most of them require good or excellent personal credit to get approved.

With the Capital One® Spark® Classic for Business however, you can qualify without a stellar credit history. The card is tailored for business owners who have defaulted on a loan in the past year, or have a limited credit history (less than three years).

The card doesn’t charge an annual fee, and also offers 1% Cash Back on every purchase.. While that doesn’t stack up well against our other top choices, it’s decent as you’re working to rebuild your credit history. It also doesn’t have an annual fee.

The only major drawback is that Capital One reports business credit card activity to both the commercial and consumer credit bureaus. So if you misuse the card or rack up a high balance, it could damage your credit even more.

But if you use the card responsibly and keep your balance relatively low, it could help you cover your expenses while you build credit.

Which card should you choose?

As you compare these and other business credit cards and see what features they offer, you’ll probably get an idea of what you want in a card. As you consider your preferences, biggest expenses, and personal credit score, you’ll have an easier time narrowing the field down to one choice.

While picking the right card is important, though, don’t spend more time on it than you need to. Over time, your preferences, expenses, and credit may change, and the card you choose may no longer be the best one for your business. Choose the card that’s right for you now, then make changes later if you need to.  

Ready to see your credit data and start building better business credit? Check Your Personal and Business Credit For Free (No Credit Card Required).

Rate This Article

This article does not have any ratings yet.

Have at it! We'd love to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and protect yourself. Refrain from posting overtly promotional content, and avoid disclosing personal information such as bank account or phone numbers.

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *