Best cards for office supplies
Ink Business Cash Credit Card leads with 5x (up to $25,000/anniversary yr (combined)). It is a business card, so applying needs a business — including a sole proprietorship.
Rankings use issuer rates verified as of October 2, 2026.
Office-supply stores (Staples, Office Depot).
#15x5xInk Business Cash Credit Card
Chase · Visa · Business · No annual fee · up to $25,000/anniversary yr (combined)
#23%3%Bank of America Business Advantage Customized Cash Rewards
Bank of America · Mastercard · Business · No annual fee · Choose this category · up to $50,000/yr (combined) · Lower rate after the cap
#33x3xHuntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
#43%3%U.S. Bank Business Triple Cash Rewards Visa
U.S. Bank · Visa · Business · No annual fee
#52x2xUnited Business Card
Chase · Visa · Business · $150/yr
#62%2%Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
#71.5x1.5xDelta SkyMiles Reserve Business Card
American Express · Amex · Business · $650/yr · U.S. merchants only
How to choose
This ranking is dominated by business cards, and the gap at the top is wide. Chase's Ink Business Cash pays 5x at office-supply stores like Staples and Office Depot with no annual fee, while the rest of the field sits at 3% or 2%. The catch is scale: the 5x applies to a combined $25,000 per year, so bigger operations will outgrow it.
Read the caveat column first. Bank of America's Business Advantage Customized Cash Rewards pays 3% only if you choose office supplies as its category, and the rate drops after a combined cap. Both American Express Blue Business cards cap their 2% return at $50,000 per year. Apple Card only earns its 2% when you pay through the mobile wallet. U.S. Bank's Business Triple Cash Rewards Visa is the exception: 3% with no annual fee and no caveats listed.
Fees are the other filter. Capital One's Spark Cash Plus charges $150 a year and Venture Business $95 for the same 2% return the no-fee American Express cards deliver, so they're hard to justify on this category alone. A tidy setup for most businesses: run office supplies through the 5x leader until the $25,000 cap, then fall back to a no-fee 2% card or U.S. Bank's 3% with no listed cap.
The math
On $150 a month of office supplies, Ink Business Cash Credit Card returns about $90 a year at our valuations — a flat 2% card returns $36. Mind the ceiling: Ink Business Cash Credit Card's top rate applies only up to $25,000/anniversary yr (combined); past that, purchases drop to its lower rate.
Common questions
- What is the best credit card for office supplies?
- Ink Business Cash Credit Card leads with 5x (up to $25,000/anniversary yr (combined)). It is a business card, so applying needs a business — including a sole proprietorship.
- How does SwipeCaddy pick the best office supplies card?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and surface the fine print so the "best" rate is one you can actually get.
- Do office supply cards cap their bonus rates?
- Most do. The 5x on Chase's Ink Business Cash covers a combined $25,000 per year, and both American Express Blue Business cards cap their 2% at $50,000 per year. Bank of America's card also drops to a lower rate after a combined cap. If your spending is heavy, U.S. Bank's Business Triple Cash Rewards Visa earns 3% with no cap listed.
- Is an annual fee worth paying for office supply rewards?
- Not for this category on its own. Capital One's Spark Cash Plus charges $150 a year and Venture Business $95, yet both work out to 2%, the same return the no-fee Blue Business Cash and Blue Business Plus deliver up to $50,000 per year. Unless a fee card earns its keep elsewhere in your spending, stick with the no-fee options here.
Rankings reflect published earn rates and a conservative valuation of each rewards currency. SwipeCaddy earns no affiliate commission.