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 August 16, 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
#85x5xKroger Rewards World Elite Mastercard
U.S. Bank · Mastercard · ≈1.17x after the cap · No annual fee · up to $3,000/yr · Lower rate after the cap · Pay with the mobile wallet
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.