Regardless of how fancy or modest your office is, you’ll always need a healthy supply of office supplies. From the basics like pens and paper to more expensive items like ergonomic office chairs and the latest computer models, there are endless opportunities to continue adding and upgrading your office.
With any consistent expenses, you should have a plan on how to maximize those purchases with the best credit cards. You can put cash back in your pocket or earn valuable points to travel with the rewards you earn.
Check out our picks for the best credit cards for office supplies, along with the potential rewards you can earn and any fees to be aware of.
- How to choose the best card for office supplies
- 4 best personal cards for office supplies
- 5 best business card for office supplies
- Why we chose these cards
- Bottom line
How to choose the best card for office supplies
The best credit card for office supplies (or any spending category) is the one that will earn you the most cash back or points for the purchases you’re making. Look for cards that offer a bonus rewards category for purchases made at office supply stores or provide generally high earnings on everything you buy.
However, it’s important to note what you’ll be earning with said card. If the rewards are offered in the form of cash back, would you possibly get more value from points to travel with? Or if the card lets you rack up points for traveling, should you put more priority on cash back? Whether you’ll be better served by a card that offers points to travel or cash back is a personal decision based on your needs and wants.
Along with this, consider what fees the card could charge you. Not every type of fee is bad — many times, it can make sense to pay an annual fee for a card that will net you much more in rewards.
4 best personal cards for office supplies
When it comes to personal credit cards, finding a credit card that specifically rewards office supply store purchases is a bit difficult. However, there are still plenty of options to earn great rewards through generic spending categories.
Whether you work from home, need supplies for your classroom as a teacher, or need to refill your home printer with ink, purchasing home office supplies will be necessary at some point.
Here are four of the best credit cards for office supplies:
|Card||Annual fee||Why it’s great for office supplies|
|Bank of America Cash Rewards||$0||If you do a majority of your office supplies (and other shopping) online, this card gives you great earnings on online shopping.|
|Chase Freedom Unlimited||$0||Earn solid cash back on all of your purchases, including office supplies. You can also earn a $200 cash back bonus after spending $500 in the first 3 months.|
|Amazon Prime Rewards Visa Signature Card||$0||If you purchase a lot of office supplies from Amazon, this card will earn you a respectable 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases.|
|Citi Double Cash Card||$0||Get up to 2% cash back on all purchases.|
Bank of America Cash Rewards
The Bank of America Cash Rewards is a great card for savings on your terms. With it, you can earn 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases.
While the spending categories don’t directly include office supplies, you can select “online spending.” If you do your office supply shopping online, you’ll be able to earn up to 3% cash back. You can change your chosen bonus category up to once a month, so you can plan accordingly to your future expenses.
Along with adjustable spending categories, the card comes with a 0% intro APR (annual percentage rate) offer for 15 billing cycles and a sign-up bonus where you can get $200 cash rewards bonus after spending $1,000 in the first 90 days.
The Bank of America Cash Rewards Card can net you excellent cashback earnings on your office supplies, plus great savings on interest charges.
Chase Freedom Unlimited
While the Chase Freedom Unlimited doesn’t have a category for spending at office supplies, there’s still great potential for cashback rewards. With the card, you can earn a $200 cash back bonus after spending $500 in the first 3 months. It also allows you to earn a good cashback rate — you can get unlimited 1.5% cash back on all purchases.
Along with this, you’ll have an intro 0% purchase APR for 15 months and an intro N/A balance transfer APR for N/A.
Additionally, the Chase Freedom Unlimited comes with great perks, such as purchase protection and a $0 annual fee.
The Chase Freedom Unlimited is a great card to not only fill your office with copious amounts of printer ink and every pen color imaginable, but also use as a daily use card to maximize your cashback potential.
Amazon Prime Rewards Visa Signature Card
As Amazon becomes a staple for many consumers’ online shopping habits, pairing your shopping experience with the Amazon Prime Rewards Visa Signature Card is easy. With it, you can earn 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases.
To add to the savings, you’ll automatically get a $100 Amazon gift card upon approval.
If you were to purchase your office supplies solely from Amazon, you could score a great amount of cash back on your expenses. However, to get the Amazon Prime Rewards Visa Signature Card, you’ll need to have an Amazon Prime membership, which costs $119 annually.
Your Amazon Prime membership, which offers free two-day shipping, coupled with the Amazon Prime Rewards Card’s cash back can create a simple yet effective solution to purchasing supplies for your office.
Citi Double Cash Card
The Citi Double Cash Card offers exactly what the name claims — twice the cash back. You can up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. This card is a great option if you want consistent cash back for your office supplies and any other purchases you make.
You can redeem the cash back you earn through your purchases in a few different ways:
- If you have at least $25 in cash back, you can request a check or statement credit to your credit card account.
- Request a credit to your linked Citi savings or checking account. If you don’t bank with Citi, you can send the credit to a non-Citi checking account with which you’ve paid a Citi credit card bill at least two times.
While all of these cards present solid earning opportunities for your office supplies, you have even more options to select from if you own a business.
5 best business card for office supplies
If you’re a business owner, office supplies will likely become a regular expense. These recurring charges can be costly for your business, so using the best business credit card can save your company a respectable amount of money.
Here are a few different business credit cards for office supplies:
|Card||Annual fee||Why it’s great for office supplies|
|Blue Business Plus Card from American Express||$0||This card will earn you up to 2x points on all of your expenses, including office supplies.|
|Bank of America Business Advantage Cash Rewards||$0||Earn 3% cash back in a category of your choice, which can include office supply stores.|
|Capital One® Spark® Miles for Business||$95 (waived first year)||Get valuable miles on all of your business purchases, including office supplies.|
|Chase Ink Business Cash||$0||This card can earn your business up to 5% cash back cash back on office supplies, as well as other specific categories.|
|United Business Card||$99 (waived first year)||Frequent United flyers will appreciate the bonus miles on your office supply purchases, which can be used to book United flights.|
Blue Business Plus Card from American Express
The Blue Business Plus Card from American Express offers an outstanding value for your business expenses. You’ll earn 2X Membership Rewards points on business purchases up to $50,000 each year, and 1X points on purchases after that. If you were to maximize the spending category every year, you could earn 100,000 American Express Membership Rewards points each year.
With great earnings like this, your Membership Rewards balance can grow quickly. You’ll be able to redeem these points in many different ways, such as gift cards, transferring to various travel partners, statements credits on your monthly bill, and more.
Additionally, the Blue Business Plus from American Express comes with free employee cards to continue earning more Membership Rewards points, as well as car rental loss and damage insurance (secondary coverage) if your rental car is damaged while traveling.
This card could be a great fit for your business expenses if you’re looking for flexible rewards without the effort of tracking spending categories and bonuses.
Bank of America Business Advantage Cash Rewards
The Bank of America Business Advantage Cash Rewards Card is a great way to earn rewards for office supplies and other business expenses alike.
You’ll earn 3% cash back in a category of your choice (gas stations, office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services). It also offers 2% cash back on dining and 1% on all other purchases.
The 3% and 2% categories can be maximized up to $50,000 in combined purchases each year. After that, your earnings will be reduced to 1%.
To add to the potential savings at office supply stores, you can also score a great sign-up bonus — earn a $300 statement credit after spending $3,000 on purchases in the first 90 days of opening your account.
You even get a 0% intro APR on purchases for the first 9 months. All the perks of the Bank of America Business Advantage Cash Rewards come with a $0 annual fee.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business embodies simple yet powerful earnings for your office supplies. You’ll earn 5X miles on rental cars and hotels booked through Capital One Travel, and 2X miles on every purchase, every day.
Along with great rewards on all of your purchases, there’s an early spend bonus to kickstart your points balance. You can earn 50,000 miles after spending $4,500 in the first 3 months
The miles you’ll earn with this card can be used in a variety of ways. They can be used to book travel on any airline. Also, you can redeem your points for hotels, ridesharing, car rentals, and more.
Along with earning flexible and valuable points, you’ll also enjoy these additional perks: Global Entry or TSA PreCheck credit, free employee cards, auto rental damage waiver (primary coverage), travel and emergency assistance services, and purchase protection.
All of these perks are available for an annual fee of $95 (waived first year).
Chase Ink Business Cash
The Chase Ink Business Cash is one of the best business credit cards around with its earnings on expenses and lucrative sign-up bonus.
With this card, you can earn 5% cash back at office supply stores and on internet, cable, or phone services (up to $25,000 combined annually); 2% cash back at gas stations and restaurants (up to $25,000 combined annually); and 1% cash back on everything else. This card also offers 5% cash back on each dollar spent on Lyft rides.
Along with that, you could earn $500 bonus cash back after spending $3,000 in the first 3 months. Collectively in the first year, you could score a potential $1,750 between the sign-up bonus and maximum 5% earnings on office supplies. That’s an incredible return on your spending.
Along with the potential for high cashback returns, the Chase Ink Business Cash Card offers an 0% intro APR on purchases for 12 months. So if you need some extra time to pay up as you refresh your office with new supplies, this card can provide it.
Lastly, the card comes with great travel and purchases coverages. You’ll have auto rental collision damage waiver (primary coverage), travel and emergency assistance services, roadside dispatch, purchase protection, and extended warranty protection.
While the Chase Ink Business Cash Card can earn your business great cashback rewards, it’s only one of many great Chase business credit cards that may work for your business expenses.
United Explorer Business Card
The United Business Card from Chase is a great business card for someone looking to score United MileagePlus miles for their expenses.
With this card, you’ll earn 2X miles on United purchases, at restaurants, gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else.
To add to the potential earnings of your office supplies and other business expenses, the card comes with a healthy sign-up bonus that can get your MileagePlus account off to a great start. You can earn 60,000 bonus miles after spending $3,000 in the first three months.
To add to the experience of flying with United, you will receive two United Club one-time passes after you open your credit card and renew it each year. You’ll also get your first checked bag free and priority boarding when flying United, as well as pay no foreign transaction fees.
If you’re looking to regularly fly with United Airlines or simply want to stockpile miles with your office supplies expenses for your next business trip, the United Explorer Business Card is not a card to overlook.
Why we chose these cards
While all of the cards listed above are vastly different, they all have a few common themes between them.
First, you have the potential to rack up rewards quickly from your expenses on office supplies. Whether it be cash back or rewards that can be redeemed in a number of different ways, these cards can help you get the best bang for your buck on your office spending.
Second, many of these cards have consumer and travel protections in case purchases don’t work in your favor or travel plans go awry. It’s comforting to know that if things go sour, your credit card has coverage for these situations.
Office supplies can get expensive very quickly; we’ve all been shocked by ink prices when our printers run dry. When these expenses come up, it’s imperative to be prepared with a credit card that earns healthy rewards on office supplies to help offset the costs.
We all want to be efficient with our expenses while running our personal or business office space — and having a credit card designed for office supplies can do exactly that.