How does SwipeCaddy pick the best card at Office Depot?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Office Depot's card-acceptance rules, so the "best" card is one you can actually use at the register.

Do I need a business card to earn top rewards at Office Depot?

The top five cards in this ranking are all business cards, from the Ink Business Cash Credit Card at 5x to The Blue Business Plus at 2x. The best rate without one is Apple Card's 2% — no annual fee, paid through the mobile wallet. If a business card isn't an option, 2% is the ceiling in our Office Depot ranking.

Do the best cards at Office Depot have spending caps?

Most of them. The Ink Business Cash's 5x applies up to a combined $25,000 per year, the Bank of America Business Advantage Customized Cash Rewards has a combined cap with a lower rate afterward, and both American Express Blue Business cards stop at $50,000 per year. If your spending will outrun those limits, the U.S. Bank Business Triple Cash Rewards Visa earns 3% with no caveats in our data.

Best cards at Office Depot

Ink Business Cash Credit Card earns the most at Office Depot right now at 5x. It is a business card, so applying needs a business — including a sole proprietorship.

Rankings use issuer rates verified as of August 16, 2026.

In store

1
#15x
Ink Business Cash Credit Card
Chase · Visa · Business · No annual fee · up to $25,000/anniversary yr (combined)
5x
2
#23%
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
3%
3
#33x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
4
#43%
U.S. Bank Business Triple Cash Rewards Visa
U.S. Bank · Visa · Business · No annual fee
3%
5
#52x
United Business Card
Chase · Visa · Business · $150/yr
2x
6
#63x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
7
#72%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
8
#82%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
9
#92x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
10
#102%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%

Online

Good to know at Office Depot

Office Depot takes any card in your wallet — our data shows no network restrictions in-store or online — so this ranking is purely about earn rates. What stands out is how business-heavy the field is: the Ink Business Cash Credit Card from Chase leads at 5x, worth 5% in cash by our valuation, ahead of a 3% tier from Bank of America and U.S. Bank. All three carry no annual fee.

The rankings are identical in-store and online, but the fine print is where these cards separate. The Ink Business Cash's 5x runs up to a combined $25,000 per year. Bank of America's Business Advantage Customized Cash Rewards asks you to choose this category, shares a combined cap, and pays less after it. The American Express options, worth 2% in cash by our valuation, cap at $50,000 per year, and Apple Card's 2% requires paying through the mobile wallet.

If the leader isn't in your wallet, the U.S. Bank Business Triple Cash Rewards Visa is the simple fallback: 3% back, no annual fee, and nothing in its fine-print column. Paying a fee for this category is hard to justify — Capital One's Spark Cash Plus at $150 per year and Venture Business at $95 per year earn 2%, a rate several no-fee cards match here.

The math

Spend $150 a month at Office Depot and Ink Business Cash Credit Card returns about $90 a year at our valuations — a flat 2% card returns $36.

Common questions

What is the best credit card at Office Depot?: Ink Business Cash Credit Card earns the most at Office Depot right now at 5x. It is a business card, so applying needs a business — including a sole proprietorship.
How does SwipeCaddy pick the best card at Office Depot?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Office Depot's card-acceptance rules, so the "best" card is one you can actually use at the register.
Do I need a business card to earn top rewards at Office Depot?: The top five cards in this ranking are all business cards, from the Ink Business Cash Credit Card at 5x to The Blue Business Plus at 2x. The best rate without one is Apple Card's 2% — no annual fee, paid through the mobile wallet. If a business card isn't an option, 2% is the ceiling in our Office Depot ranking.
Do the best cards at Office Depot have spending caps?: Most of them. The Ink Business Cash's 5x applies up to a combined $25,000 per year, the Bank of America Business Advantage Customized Cash Rewards has a combined cap with a lower rate afterward, and both American Express Blue Business cards stop at $50,000 per year. If your spending will outrun those limits, the U.S. Bank Business Triple Cash Rewards Visa earns 3% with no caveats in our data.

Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.