5 Best Credit Cards for eCommerce: Score Big Savings and Get Rewards

1. Amazon Business Prime Card from American Express

The Amazon Business Prime Card from American Express is considered one of the best ecommerce credit cards due to its industry-leading 5% cash back on Amazon-related purchases, flexible financing options, and lack of annual fee – making it a valuable choice for businesses heavily invested in the Amazon ecosystem.

Here are the key details:

Card Name: Amazon Business Prime Card from American Express

Issuer: American Express

Annual Fee: $0

What about the Rewards Program?

• Earn 5% back on the first $120,000 in eligible purchases each calendar year at Amazon Business, AWS, Amazon shop, and Whole Foods Market with an eligible Prime membership. Earn 1% back thereafter.
• Earn 2% back at U.S. gas stations, U.S. restaurants, and on wireless phone services purchased directly from U.S. providers.
• Earn 1% back on all other eligible purchases.

Introductory APR: None

Sign-up Bonus: New cardholders receive a $125 Amazon gift card upon approval.

What are the Special Benefits?

• Option to receive 90-day interest-free payment terms on eligible purchases instead of the 5% back rewards
• Enhanced data views to simplify expense reconciliation
• No foreign transaction fees
• Access to the Global Assist Hotline, baggage insurance, and car rental loss and damage insurance

Regular APR: 19.49% – 27.49% variable

Foreign Transaction Fees: None

Shopping/eCommerce Perks: 5% back on Amazon Business, AWS, Amazon.com, and Whole Foods purchases, plus 2% back on other common business expenses

Credit Score Range for Approval: Good to Excellent

What do Users have to say?

Positive Reviews:

• Users praise the valuable 5% cash back rewards on Amazon Business, AWS, Amazon.com, and Whole Foods purchases for Prime members.
• The lack of an annual fee is appreciated, making the card accessible.
• Reviewers like the flexible option to earn 5% cash back or take 90-day interest-free payment terms on eligible Amazon purchases.
• The straightforward application process for Amazon Prime members is highlighted as a positive.
• American Express’s excellent customer service is commended by users.

Negative Reviews:

• Some users feel the $120,000 annual cap on 5% cash back earnings is too low for larger businesses.
• A few reviewers mention the card’s lack of a 0% introductory APR period as a drawback.
• Limitations on bonus categories outside of Amazon purchases are noted by some users.

2. American Express Business Gold Card

The American Express Business Gold Card is a top ecommerce credit card due to its flexible 4X bonus categories that automatically adjust to a business’s top spending areas, including advertising, shipping, and technology purchases. The valuable rewards and lack of foreign transaction fees suit online businesses well.

Here are the key details:

Card Name: American Express Business Gold Card

Issuer: American Express

Annual Fee: $375

What about the Rewards Program?

• Get 4X Membership Rewards points on your top 2 spending categories each billing cycle, up to $150,000 in combined purchases per calendar year. 
• The qualifying categories cover common types of purchases made by consumers in the United States, including dining out, advertising, gas, electronics, wireless services, and public transportation.
• Earn 3X Membership Rewards points on flights and prepaid hotels booked through amextravel.com.

Introductory APR: None

Sign-up Bonus: New cardholders can earn 70,000 Membership Rewards points just after spending $10,000 on eligible purchases within the first 3 months.

What are the Special Benefits?

• Up to $240 in annual statement credits for eligible purchases at FedEx, Grubhub, and office supply stores
• Up to $155 annual Walmart credit
• No foreign transaction fees

Regular APR: Variable, 19.49% – 27.49%

Foreign Transaction Fees: None

Shopping/eCommerce Perks: 4X points on top 2 eligible spending categories, including advertising, electronic goods, and wireless services

Credit Score Range for Approval: Good to Excellent

What do Users have to say?

Positive Reviews:

• Users praise the flexible 4X bonus categories that automatically adjust to their business’s top two spending categories each month, allowing them to maximize rewards.
• The generous welcome bonus of 70,000 Membership Rewards points after meeting minimum spend is highlighted as a valuable offer.
• Reviewers appreciate the ability to earn 4X points on popular business spending categories like advertising, shipping, wireless services, and gas stations.
• Additional statement credits for purchases at merchants like FedEx, GrubHub, and office supply stores are seen as useful.
• American Express’s excellent customer service is frequently commended.

Negative Reviews: 

• The $375 annual fee is considered high by some users, especially for businesses with lower spending volumes.
• A few reviewers note that the bonus categories can be limiting for certain types of businesses that don’t align well with the eligible categories.
• Some users desire the card to offer an initial 0% APR period on purchases and balance transfers.

3. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred Credit Card is a top ecommerce credit card due to its generous 3X points on key business expenses like shipping, advertising, and internet/cable/phone services, up to $150,000 in combined purchases annually. The valuable sign-up bonus and 25% travel redemption boost make it an excellent choice for online businesses.

Here are the key details:

Card Name: American Express Business Gold Card

Issuer: American Express

Annual Fee: $375

What about the Rewards Program?

• Earn 4X Membership Rewards points on the top 2 categories from where your business spends the most each billing cycle, up to $150,000 in combined purchases per calendar year.
• Eligible bonus categories include U.S. purchases at restaurants, U.S. purchases for advertising in select media, at gas stations, from electronic goods retailers, U.S. purchases at wireless telephone service providers, and U.S. transit purchases.
• Earn 3X Membership Rewards points on flights and prepaid hotels booked through amextravel.com.

Introductory APR: None

Sign-up Bonus: New cardholders can earn 70,000 Membership Rewards points after spending $10,000 on eligible purchases within the first 3 months.

What are the Special Benefits?

• Up to $240 in annual statement credits for eligible purchases at FedEx, Grubhub, and office supply stores.
• Up to $155 annual Walmart credit
• No foreign transaction fees

Regular APR: Variable, 19.49% – 27.49%

Foreign Transaction Fees: None

Shopping/eCommerce Perks: 4X points on top 2 eligible spending categories, including advertising, electronic goods, and wireless services

Credit Score Range for Approval: Good to Excellent

What do Users have to say?

Positive Reviews:

• Users praise the generous 100,000 point sign-up bonus after meeting the minimum spend requirement, which is seen as an extremely valuable offer.
• The ability to earn 3X points on popular business spending categories like travel, shipping, internet/cable/phone services, and advertising purchases up to $150,000 annually is highlighted as a major strength.
• Reviewers appreciate the 25% boost in value when redeeming points for travel through the Chase Ultimate Rewards portal.
• The included travel protections like primary rental car insurance, trip cancellation/interruption coverage, and purchase protection are viewed as valuable benefits.
• Chase’s excellent customer service is frequently praised by users.

Negative Reviews:

• Some reviewers feel the $95 annual fee is high, especially for businesses with lower spending volumes that can’t maximize the bonus categories.
• The minimum spend requirement of $8,000 in the first 3 months to earn the sign-up bonus is considered quite high by some users.
• A few users express disappointment at the lack of benefits like airport lounge access or annual travel credits found on premium travel cards.

4. Capital One Spark Cash for Business

The Capital One Spark Cash for Business is a top ecommerce credit card because it offers an unlimited 2% cash back on all purchases with no categories or caps. This straightforward, high flat-rate rewards structure, combined with no annual fee, makes it an excellent choice for online businesses.

Here are the key details:

Card Name: Capital One Spark Cash for Business

Issuer: Capital One

Annual Fee: $0

What about the Rewards Program?

•  Earn unlimited 2% cash back on all purchases.
• There are no limits or category restrictions on the cash back you can earn.

Introductory APR: None

Sign-up Bonus: New cardholders can earn a $500 cash bonus after spending $4,500 on purchases in the first 3 months.

What are the Special Benefits?

• No foreign transaction fees
• Free employee cards that also earn 2% cash back
• $0 Fraud Liability for unauthorized charges

Regular APR: 20.74% – 28.74% variable

Foreign Transaction Fees: None

Shopping/eCommerce Perks: Earn 2% cash back on all purchases, with no limits or category restrictions.

Credit Score Range for Approval: Good to Excellent

What do Users have to say?

Positive Reviews:

• Users praise the straightforward 2% cash back earning rate on all purchases with no categories or caps to track.
• The lack of an annual fee for the first year and $95 fee after that is viewed positively by many reviewers.
• The generous $500 cash bonus after meeting the $4,500 minimum spend within 3 months is highlighted as a valuable welcome offer.
• Reviewers appreciate having no foreign transaction fees, making it a good option for businesses with international expenses.
• Capital One’s customer service is generally rated positively by users.

Negative Reviews:

• Some reviewers feel the $4,500 minimum spend requirement for the sign-up bonus is quite high, especially for smaller businesses.
• A few users express frustration with the lack of flexibility to carry a balance, as it is a charge card requiring payment in full each month.
• The $95 annual fee after the first year is seen as a drawback by some, especially if unable to offset it with cash back earnings.
• Limited additional benefits beyond the 2% cash back are noted by a few reviewers.

5. Shopify Credit

Shopify Credit is one of the best ecommerce credit cards because it offers up to 3% cash back on Shopify-related expenses like subscriptions, apps, and shipping with no annual fee or interest charges. It’s designed specifically for Shopify merchants, with approval based on store performance rather than personal credit score.

Here are the key details:

Card Name: Shopify Credit

Issuer: Issued by Celtic Bank, a Visa Business card

Annual Fee: None

What about the Rewards Program?

• Earn 3% cash back in your highest-spend qualifying category each month, which includes Shopify-related expenses like Shopify subscriptions, Shopify apps, and shipping through Shopify partners.
• Earn 1% cash back on all other eligible purchases.

Introductory APR: None

Sign-up Bonus: New cardholders can earn up to $2,000 in Shopify Shop Cash after spending $20,000 in the first 3 months.

What are the Special Benefits?

•  No credit check is required to apply; approval is based on your Shopify store’s performance
• Issue cards for your team members and create virtual cards as needed
• No foreign transaction fees
• Visa Business card benefits like rental car damage protection, travel assistance, and purchase protection

Regular APR: Pay-in-full, no interest charges

Foreign Transaction Fees: None

Shopping/eCommerce Perks: 3% cash back on Shopify-related expenses, plus 1% on all other eligible purchases

Credit Score Range for Approval: Approval is based on your Shopify store’s performance, not your personal credit score

What do Users have to say?

Positive Reviews:

• Users appreciate that no credit check is required for approval, as it is based on the performance of their Shopify store instead.
• The ability to earn up to 3% cash back on eligible purchases in their top spending category each month is seen as a valuable perk.
• Reviewers like the straightforward nature of Shopify Credit with no annual fees, no foreign transaction fees, and no interest charges.
• The option to issue additional cards for team members and create virtual cards as needed is highlighted as a useful feature.
• Users praise the flexible payment terms, with up to 56 days to pay for purchases without incurring late fees or interest.

Negative Reviews:

• Some users feel that the cash back categories are too limited and restrictive, favoring only certain Shopify-related expenses.
• A few reviewers note that the welcome bonus is paid in “Shop Cash” instead of a statement credit, which is less flexible.
• Some users see the lack of ability to carry a balance or revolving credit line as a drawback.
• Limited information is provided on whether on-time payments are reported to business credit bureaus to help build credit history.

Wrapping Up

Selecting the right credit card for your eCommerce needs can save you money and earn you rewards. This guide discussed the top five credit cards with cash back, rewards points, and low-interest rates. 

Pick a card that offers the most savings and rewards. It’s all about convenience and security for your online purchases. Make a smart choice and start enjoying the benefits of a personalized eCommerce credit card today.