How to Choose the Best Business Credit Card for Realtors

As a realtor, you know how important it is to have a reliable and flexible way to pay for your business expenses. Whether it’s gas, travel, advertising, office supplies, or client gifts, you need a credit card that can handle your spending and offer you some benefits in return.

But with so many credit cards out there, how do you choose the best one for your business? What features and factors should you consider when comparing different cards? And what are some of the best business credit cards for realtors in the market today?

In this guide, we will answer these questions and more. We will explain what to look for in a business credit card, how to compare different cards, and how to apply for the best one for your needs. We will also provide you with some examples of the best business credit cards for realtors, based on their rewards, fees, perks, and customer reviews.

By the end of this guide, you will have a better idea of how to choose the best business credit card for realtors and how to use it to grow your business and achieve your goals.

Table of Contents

What to Look for in a Business Credit Card for Realtors

A business credit card is a type of credit card that is designed for business owners and professionals. It allows you to separate your personal and business expenses, track your spending, and access credit when you need it.

A business credit card can also offer you some advantages over a personal credit card, such as:

  • Higher credit limits: Business credit cards typically have higher credit limits than personal credit cards, which can help you cover large or unexpected expenses and improve your credit utilization ratio.
  • Rewards and cash back: Business credit cards often have generous rewards and cash back programs that can help you earn points, miles, or cash on your business purchases. You can then redeem your rewards for travel, gift cards, statement credits, or other benefits.
  • Business perks and discounts: Business credit cards may also offer you some exclusive perks and discounts that can help you save money and enhance your business. For example, some cards may offer you free or discounted access to airport lounges, travel insurance, car rental insurance, extended warranty, purchase protection, and more.
  • Tax deductions: Business credit cards can help you simplify your tax filing and deductions. You can easily track your business expenses and categorize them by using your credit card statements or online tools. You can also deduct the interest and fees that you pay on your business credit card, as long as they are related to your business.

However, not all business credit cards are created equal. Some cards may suit your needs better than others, depending on your spending habits, preferences, and goals. Here are some of the main features and factors that you should look for when choosing a business credit card for realtors:

  • Rewards rate and categories: The rewards rate and categories are the most important aspects of a business credit card, as they determine how much you can earn on your purchases. You should look for a card that offers a high rewards rate and matches your spending patterns. For example, if you spend a lot on gas, travel, and advertising, you should look for a card that offers bonus rewards on these categories. If you have a varied spending, you should look for a card that offers a flat rewards rate on all purchases.
  • Annual fee: The annual fee is the amount that you have to pay every year to keep your credit card account open. Some business credit cards have no annual fee, while others may charge you anywhere from $50 to $700 or more. You should weigh the benefits and drawbacks of paying an annual fee, and compare it to the rewards and perks that you can get from the card. Generally, the higher the annual fee, the more rewards and benefits the card offers. However, you should make sure that you can justify the fee by using the card enough and taking advantage of its features.
  • Introductory offer: The introductory offer is a special deal that some business credit cards offer to new cardholders. It usually consists of a sign-up bonus, a 0% APR period, or both. A sign-up bonus is a lump sum of rewards that you can earn after meeting a certain spending requirement within a specific time frame. A 0% APR period is a period of time during which you don’t have to pay any interest on your purchases or balance transfers. Both of these offers can help you save money and boost your rewards, but you should read the fine print and make sure that you can meet the requirements and avoid any fees or penalties.
  • Credit limit: The credit limit is the maximum amount of money that you can borrow on your credit card at any given time. It depends on your credit score, income, and other factors. A higher credit limit can help you cover larger or unexpected expenses, improve your credit utilization ratio, and increase your credit score. However, you should also be careful not to overspend or carry a high balance, as this can hurt your credit score and incur interest charges.
  • Interest rate: The interest rate is the percentage of money that you have to pay on your credit card balance every month. It varies depending on your credit score, the prime rate, and the card issuer. A lower interest rate can help you save money and pay off your debt faster, especially if you tend to carry a balance on your card. However, you should also try to pay your balance in full every month, as this can help you avoid interest charges altogether and improve your credit score.
  • Customer service: The customer service is the quality and availability of the support that you can get from your credit card issuer. It includes the ease of contacting them, the responsiveness and helpfulness of their representatives, and the resolution of any issues or complaints that you may have. A good customer service can make your credit card experience more pleasant and convenient, and help you solve any problems that may arise. You can check the customer service ratings and reviews of different credit card issuers online, or ask for recommendations from other realtors or business owners.

How to Compare Different Business Credit Cards for Realtors

Once you have an idea of what to look for in a business credit card, you can start comparing different cards and see which one suits your needs best. Here are some steps and tips to help you compare different business credit cards for realtors:

  • Make a list of your business expenses: The first step is to make a list of your business expenses and categorize them by type and frequency. For example, you can list how much you spend on gas, travel, advertising, office supplies, client gifts, and other expenses every month or year. This will help you estimate your spending patterns and see which categories you spend the most on.
  • Research different cards and their features: The next step is to research different business credit cards and their features, such as rewards, fees, perks, and customer service. You can use online tools and websites, such as Bing, NerdWallet, or Credit Karma, to find and compare different cards based on your preferences and criteria. You can also read reviews and testimonials from other realtors or business owners who have used the cards that you are interested in.
  • Calculate your rewards and savings: The third step is to calculate your rewards and savings from using different cards. You can use online calculators, such as Bing, NerdWallet, or Credit Karma, to estimate how much you can earn and save on your business expenses with different cards. You can also factor in the sign-up bonus, the annual fee, the interest rate, and any other fees or charges that may apply. You should compare the net rewards and savings, which are the rewards and savings minus the fees and charges, to see which card offers you the best value.
  • Apply for the best card for your needs: The final step is to apply for the best card for your needs. You can apply online, by phone, or by mail, depending on the card issuer and your preference. You will need to provide some personal and business information, such as your name, address, phone number, email, social security number, business name, business address, business phone number, business email, business structure, industry, revenue, and expenses. You will also need to consent to a credit check, which may affect your credit score. You will receive a decision within minutes or days, depending on the card issuer and your credit profile. If you are approved, you will receive your card and start using it for your business.

Examples of the Best Business Credit Cards for Realtors

To give you some ideas and inspiration, here are some examples of the best business credit cards for realtors, based on their rewards, fees, perks, and customer reviews. These are not the only cards available, and you should do your own research and comparison before applying for any card.

American Express Blue Business Plus

The American Express Blue Business Plus is a great card for realtors who want a simple and flexible rewards program. It offers 2x points on up to $50,000 in purchases per year, and 1x points on everything else. You can redeem your points for travel, gift cards, statement credits, or other rewards. You can also transfer your points to over 20 airline and hotel partners, such as Delta, JetBlue, Hilton, and Marriott.

The card has no annual fee, and a 0% intro APR on purchases for 12 months, and a variable APR of 13.24% to 19.24% after that. The card also offers some business perks, such as free employee cards, spending limits, expense management tools, purchase protection, extended warranty, and more.

The card has a high customer satisfaction rating, and many realtors praise its rewards, flexibility, and customer service. However, some drawbacks of the card are that it has a foreign transaction fee of 2.7%, and that it is not widely accepted outside the US.

Chase Ink Business Preferred

The Chase Ink Business Preferred is a great card for realtors who want a generous and versatile rewards program. It offers 3x points on up to $150,000 in combined purchases per year on travel, shipping, internet, cable, phone, and advertising with social media and search engines. It also offers 1x points on everything else. You can redeem your points for travel, cash back, gift cards, or other rewards. You can also transfer your points to over 10 airline and hotel partners, such as United, Southwest, Hyatt, and Marriott.

The card has an annual fee of $95, and a variable APR of 15.99% to 20.99%. The card also offers a sign-up bonus of 100,000 points after spending $15,000 in the first 3 months, which is worth $1,250 in travel. The card also offers some business perks, such as cell phone protection, travel insurance, car rental insurance, purchase protection, extended warranty, and more.

The card has a high customer satisfaction rating, and many realtors love its rewards, sign-up bonus, and perks. However, some drawbacks of the card are that it has a foreign transaction fee of 3%, and that it has a high spending requirement for the sign-up bonus.

Capital One Spark Cash for Business

The Capital One Spark Cash for Business is a great card for realtors who want a simple and straightforward cash back program. It offers 2% cash back on every purchase, with no limit or category restrictions. You can redeem your cash back for any amount, anytime, as a statement credit or a check. You can also set up automatic redemption at a set time or threshold.

The card has an annual fee of $95, which is waived for the first year, and a variable APR of 20.99%. The card also offers a sign-up bonus of $500 after spending $4,500 in the first 3 months. The card also offers some business perks, such as free employee cards, spending limits, expense management tools, fraud protection, and more.

The card has a high customer satisfaction rating, and many realtors appreciate its cash back, sign-up bonus, and simplicity. However, some drawbacks of the card are that it has a high interest rate, and that it does not offer any travel or purchase benefits.

10 Best Business Credit Card for Realtors

Here are the 10 best business credit cards for realtors in 2024.

1. American Express Blue Business Plus: Best Overall Credit Card for Realtors with Expanded Buying Power

The American Express Blue Business Plus is our top pick for the best overall credit card for realtors. This card offers a simple and generous rewards program, a long 0% APR period, no annual fee, and the ability to spend beyond your credit limit.

Here are the main features of the American Express Blue Business Plus:

  • Rewards: You can earn 2x Membership Rewards points on up to $50,000 in purchases per calendar year, and 1x point on everything else. There is no limit to how many points you can earn, and they never expire. You can redeem your points for travel, gift cards, statement credits, merchandise, and more.
  • Fees: There is no annual fee for this card, which is rare for a card that offers such high rewards. The regular APR is 13.24% to 19.24% variable, depending on your creditworthiness. There is a 0% intro APR on purchases for the first 12 months, which can help you finance large expenses without paying interest. There is a 2.7% foreign transaction fee, so this card is not ideal for international travel.
  • Benefits: One of the best benefits of this card is the expanded buying power, which allows you to spend above your credit limit when you need to, without paying any over-limit fees. The amount you can spend above your limit depends on your payment history, credit record, and other factors. You also get access to Amex Offers, which are discounts and deals on various merchants and services. Additionally, you get purchase protection, extended warranty, car rental loss and damage insurance, and free employee cards.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The American Express Blue Business Plus is a great card for realtors who want a simple and rewarding credit card that can adapt to their changing business needs. You can earn 2x points on all your purchases, enjoy a long 0% APR period, and spend beyond your limit when you need to, all without paying an annual fee.

To apply for this card, you can visit the American Express website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

2. Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Cash Back Rewards

The Bank of America Business Advantage Unlimited Cash Rewards is our top pick for the best credit card for realtors who want unlimited cash back rewards. This card offers a flat 1.5% cash back on every purchase, with no caps or categories to worry about. You can also boost your rewards by up to 75% if you have a qualifying Bank of America account.

Here are the main features of the Bank of America Business Advantage Unlimited Cash Rewards:

  • Rewards: You can earn 1.5% cash back on every purchase, with no limit to how much you can earn. You can redeem your cash back as a statement credit, a deposit into a Bank of America checking or savings account, or a check. You can also increase your cash back by 25% to 75% if you have a Bank of America Preferred Rewards for Business membership, which requires a minimum balance of $20,000 in qualifying Bank of America accounts. This means you can earn up to 2.62% cash back on every purchase, which is one of the highest rates in the market.
  • Fees: There is no annual fee for this card, which makes it a great value for a cash back card. The regular APR is 12.24% to 22.24% variable, depending on your creditworthiness. There is a 0% intro APR on purchases for the first 9 billing cycles, which can help you save on interest. There is a 3% foreign transaction fee, so this card is not ideal for international travel.
  • Benefits: This card comes with some useful benefits for realtors, such as travel and emergency services, roadside dispatch, purchase security, extended warranty, and free employee cards. You also get access to the Bank of America Mobile Banking app, which allows you to manage your account, pay bills, transfer funds, and more from your smartphone. Additionally, you get a $300 statement credit bonus after spending $3,000 in purchases within the first 90 days of account opening, which is a nice welcome offer.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The Bank of America Business Advantage Unlimited Cash Rewards is a great card for realtors who want a simple and unlimited cash back card that can also offer a higher rewards rate if they have a Bank of America account. You can earn 1.5% cash back on every purchase, enjoy a 0% APR period, and pay no annual fee.

To apply for this card, you can visit the Bank of America website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

3. U.S. Bank Business Triple Cash Rewards World Elite TM Mastercard: Best for 15-month 0% APR and up to 5% Cash Back

The U.S. Bank Business Triple Cash Rewards World Elite TM Mastercard is our top pick for the best credit card for realtors who want a long 0% APR period and up to 5% cash back on select categories. This card offers a generous rewards program, a low annual fee, and a variety of benefits and features.

Here are the main features of the U.S. Bank Business Triple Cash Rewards World Elite TM Mastercard:

  • Rewards: You can earn up to 5% cash back on select categories, as follows:
    • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
    • 3% cash back at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants
    • 1% cash back on all other eligible purchases

There is no limit to how much cash back you can earn, and your cash back does not expire. You can redeem your cash back as a statement credit, a deposit into a U.S. Bank checking or savings account, or a U.S. Bank Rewards Card. You also get a $500 cash back bonus after spending $4,500 in purchases within the first 150 days of account opening, which is a generous welcome offer.

  • Fees: There is a $0 annual fee for this card, which makes it a great value for a high-rewards card. The regular APR is 13.99% to 22.99% variable, depending on your creditworthiness. There is a 0% intro APR on purchases and balance transfers for the first 15 billing cycles, which is one of the longest 0% APR periods in the market. This can help you finance large expenses or pay off existing debt without paying interest. There is a 3% foreign transaction fee, so this card is not ideal for international travel.
  • Benefits: This card comes with some valuable benefits for realtors, such as travel accident insurance, trip cancellation and interruption coverage, baggage delay insurance, auto rental collision damage waiver, cell phone protection, and free employee cards. You also get access to the Travel Rewards Center, which allows you to book travel with your cash back and get 5% cash back on prepaid hotels and car rentals. Additionally, you get access to Mastercard Easy Savings, which is a rebate program that offers discounts on various business expenses, such as gas, dining, shipping, and more.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The U.S. Bank Business Triple Cash Rewards World Elite TM Mastercard is a great card for realtors who want a long 0% APR period and up to 5% cash back on select categories. You can earn cash back on your business expenses, enjoy a generous welcome bonus, and pay no annual fee.

To apply for this card, you can visit the U.S. Bank website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

4. Chase Ink Business Preferred: Best for Travel Rewards and Sign-Up Bonus

The Chase Ink Business Preferred is our top pick for the best credit card for realtors who want travel rewards and a huge sign-up bonus. This card offers a generous rewards program, a low annual fee, and a variety of travel benefits and features.

Here are the main features of the Chase Ink Business Preferred:

  • Rewards: You can earn 3x Chase Ultimate Rewards points on up to $150,000 in combined purchases per account anniversary year on the following categories:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines

You can earn 1x point on all other purchases, with no limit to how much you can earn. You can redeem your points for travel, cash back, gift cards, merchandise, and more. You can also transfer your points to one of Chase’s 13 travel partners, such as United Airlines, Southwest Airlines, Marriott, and Hyatt, at a 1:1 ratio. You can also get 25% more value when you redeem your points for travel through Chase Ultimate Rewards, which means each point is worth 1.25 cents. You also get a whopping 100,000 bonus points after spending $15,000 in purchases within the first 3 months of account opening, which is worth $1,250 in travel through Chase Ultimate Rewards.

  • Fees: There is a $95 annual fee for this card, which is reasonable for a card that offers such high rewards. The regular APR is 15.99% to 20.99% variable, depending on your creditworthiness. There is no foreign transaction fee, which makes this card ideal for international travel.
  • Benefits: This card comes with some amazing benefits for realtors, such as travel and emergency assistance services, trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, auto rental collision damage waiver, cell phone protection, and free employee cards. You also get access to Chase’s Luxury Hotel & Resort Collection, which offers special benefits and amenities at more than 1,000 hotels and resorts around the world, such as complimentary breakfast, room upgrades, early check-in and late check-out, and more.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The Chase Ink Business Preferred is a great card for realtors who want travel rewards and a huge sign-up bonus. You can earn 3x points on select categories, enjoy a 25% travel redemption bonus, and pay no foreign transaction fee.

To apply for this card, you can visit the Chase website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

5. Capital One Spark Cash for Business: Best for Flat-Rate Cash Back Rewards

The Capital One Spark Cash for Business is our top pick for the best credit card for realtors who want flat-rate cash back rewards. This card offers a simple and unlimited 2% cash back on every purchase, with no caps or categories to worry about. You can also get a $500 cash bonus after spending $4,500 in purchases within the first 3 months of account opening, which is a nice welcome offer.

Here are the main features of the Capital One Spark Cash for Business:

  • Rewards: You can earn 2% cash back on every purchase, with no limit to how much you can earn. You can redeem your cash back as a statement credit, a check, or a deposit into a Capital One account. You can also set up automatic redemption at a set time each year or when you reach a certain threshold. You also get a $500 cash bonus after spending $4,500 in purchases within the first 3 months of account opening, which is a generous welcome offer.
  • Fees: There is a $95 annual fee for this card, which is waived for the first year. The regular APR is 20.99% variable, which is on the high end of the market. There is no foreign transaction fee, which makes this card ideal for international travel.
  • Benefits: This card comes with some useful benefits for realtors, such as purchase security, extended warranty, car rental loss and damage insurance, travel and emergency assistance services, roadside dispatch, and free employee cards. You also get access to Capital One’s Business Assistant, which is a 24/7 concierge service that can help you with travel, dining, entertainment, and more. Additionally, you get access to Capital One’s CreditWise, which is a free credit monitoring and education tool that can help you improve your credit score and protect your identity.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The Capital One Spark Cash for Business is a great card for realtors who want a simple and unlimited cash back card that can also offer a nice cash bonus. You can earn 2% cash back on every purchase, enjoy a waived annual fee for the first year, and pay no foreign transaction fee.

To apply for this card, you can visit the Capital One website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

6. Discover it Business Card: Best for Cash Back Match and Free Social Security Number Alerts

The Discover it Business Card is our top pick for the best credit card for realtors who want a cash back match and free social security number alerts. This card offers a flat 1.5% cash back on every purchase, with no caps or categories to worry about. You can also get a dollar-for-dollar match of all the cash back you earn at the end of your first year, which is a unique and generous offer.

Here are the main features of the Discover it Business Card:

  • Rewards: You can earn 1.5% cash back on every purchase, with no limit to how much you can earn. You can redeem your cash back as a statement credit, a direct deposit, a donation to charity, or a gift card. You can also get a dollar-for-dollar match of all the cash back you earn at the end of your first year, which is a unique and generous offer. This means you can effectively earn 3% cash back on every purchase in your first year, which is one of the highest rates in the market.
  • Fees: There is no annual fee for this card, which makes it a great value for a cash back card. The regular APR is 12.99% to 20.99% variable, depending on your creditworthiness. There is a 0% intro APR on purchases for the first 12 months, which can help you finance large expenses without paying interest. There is no foreign transaction fee, which makes this card ideal for international travel.
  • Benefits: This card comes with some unique benefits for realtors, such as free social security number alerts, which notify you if your social security number is found on any of thousands of risky websites. This can help you protect your identity and prevent fraud. You also get free FICO credit score reports, which can help you monitor your credit health and improve your credit score. Additionally, you get purchase protection, extended warranty, return guarantee, flight accident insurance, auto rental insurance, and free employee cards.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The Discover it Business Card is a great card for realtors who want a cash back match and free social security number alerts. You can earn 1.5% cash back on every purchase, enjoy a 0% APR period, and pay no annual fee.

To apply for this card, you can visit the Discover website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

7. Brex Cash: Best for No Personal Guarantee and No Credit Check

The Brex Cash is our top pick for the best credit card for realtors who want no personal guarantee and no credit check. This card is not a traditional credit card, but rather a charge card that is linked to a cash management account. This means you can only spend what you have in your account, and you have to pay your balance in full every month. However, this also means you don’t need to provide a personal guarantee or undergo a credit check to get approved.

Here are the main features of the Brex Cash:

  • Rewards: You can earn up to 8x points on select categories, as follows:
    • 8x points on rideshare and taxis
    • 5x points on flights, hotels, and Airbnb booked through Brex Travel
    • 4x points on restaurants and coffee shops
    • 3x points on recurring software and SaaS
    • 1x point on all other purchases

There is no limit to how much points you can earn, and your points do not expire. You can redeem your points for travel, cash back, gift cards, merchandise, and more. You can also transfer your points to one of Brex’s 12 travel partners, such as JetBlue, Air France, Singapore Airlines, and more, at a 1:1 ratio. You also get a 50,000 bonus points after spending $9,000 in purchases within the first 30 days of account opening, which is worth $500 in travel through Brex Travel.

  • Fees: There is no annual fee for this card, which makes it a great value for a high-rewards card. There is no interest rate, since you have to pay your balance in full every month. There is no foreign transaction fee, which makes this card ideal for international travel.
  • Benefits: This card comes with some amazing benefits for realtors, such as travel and emergency assistance services, trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, auto rental collision damage waiver, cell phone protection, and free employee cards. You also get access to Brex Travel, which is a travel booking platform that offers exclusive discounts and perks on flights, hotels, and Airbnb. Additionally, you get access to Brex Cash, which is a cash management account that offers FDIC insurance, no account fees, no minimum balance, and unlimited free ACH and wire transfers.
  • Eligibility: To qualify for this card, you don’t need to have a credit score or a personal guarantee. You also don’t need to undergo a credit check or a hard inquiry. However, you do need to have a valid business entity and a minimum balance of $100,000 in your Brex Cash account.

The Brex Cash is a great card for realtors who want no personal guarantee and no credit check. You can earn up to 8x points on select categories, enjoy a generous welcome bonus, and pay no annual fee.

To apply for this card, you can visit the Brex website and fill out an online application form. You will need to provide some business information, such as your business name, industry, revenue, and bank account details. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

8. American Express Business Gold Card: Best for Flexible Rewards and 4x Points on Top Categories

The American Express Business Gold Card is our top pick for the best credit card for realtors who want flexible rewards and 4x points on top categories. This card offers a dynamic rewards program, a low annual fee, and a variety of benefits and features.

Here are the main features of the American Express Business Gold Card:

  • Rewards: You can earn 4x Membership Rewards points on up to $150,000 in combined purchases per calendar year on the two categories where you spend the most each billing cycle, from the following list:
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
    • U.S. purchases for shipping
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers

You can earn 1x point on all other purchases, with no limit to how much you can earn. You can redeem your points for travel, gift cards, statement credits, merchandise, and more. You can also transfer your points to one of American Express’s 19 travel partners, such as Delta, British Airways, Hilton, and Marriott, at a 1:1 ratio or better. You also get a 35% points rebate when you use your points to book flights through American Express Travel, up to 500,000 points back per calendar year. You also get a $150 statement credit after spending $3,000 in purchases within the first 3 months of account opening, which is a nice welcome offer.

  • Fees: There is a $295 annual fee for this card, which is on the high end of the market. The regular APR is 14.24% to 22.24% variable, depending on your creditworthiness. There is no foreign transaction fee, which makes this card ideal for international travel.
  • Benefits: This card comes with some amazing benefits for realtors, such as travel and emergency assistance services, trip cancellation and interruption insurance, trip delay reimbursement, baggage insurance, car rental loss and damage insurance, purchase protection, extended warranty, and free employee cards. You also get access to American Express’s Business Tools, which include expense management, account alerts, spending reports, and more. Additionally, you get access to American Express’s Global Lounge Collection, which offers access to more than 1,200 airport lounges around the world, such as The Centurion Lounge, Delta Sky Club, Priority Pass Select, and more.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The American Express Business Gold Card is a great card for realtors who want flexible rewards and 4x points on top categories. You can earn 4x points on the two categories where you spend the most each billing cycle, enjoy a 35% travel redemption bonus, and pay no foreign transaction fee.

To apply for this card, you can visit the American Express website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

9. Wells Fargo Business Platinum Credit Card: Best for Low Interest Rate and Cash Back or Rewards Points

The Wells Fargo Business Platinum Credit Card is our top pick for the best credit card for realtors who want a low interest rate and cash back or rewards points. This card offers a choice between two rewards programs, a low annual fee, and a variety of benefits and features.

Here are the main features of the Wells Fargo Business Platinum Credit Card:

  • Rewards: You can choose between two rewards programs, depending on your preference:
    • Cash Back: You can earn 1.5% cash back on every purchase, with no limit to how much you can earn. You can redeem your cash back as a statement credit, a deposit into a Wells Fargo checking or savings account, or a check. You also get a $500 cash back bonus after spending $5,000 in purchases within the first 3 months of account opening, which is a generous welcome offer.
    • Rewards Points: You can earn 1 point on every dollar spent on purchases, with no limit to how much you can earn. You can redeem your points for travel, gift cards, merchandise, and more. You also get a 10% bonus on points earned when you redeem them online. You also get 5,000 bonus points after spending $10,000 in purchases within the first 3 months of account opening, which is a nice welcome offer.

You can switch between the two rewards programs once every 12 months, which gives you some flexibility and convenience.

  • Fees: There is a $0 annual fee for this card, which makes it a great value for a rewards card. The regular APR is a low 9.99% fixed, which is one of the lowest rates in the market. This can help you save on interest if you carry a balance. There is a 3% foreign transaction fee, so this card is not ideal for international travel.
  • Benefits: This card comes with some useful benefits for realtors, such as purchase security, extended warranty, auto rental collision damage waiver, travel and emergency assistance services, roadside dispatch, and free employee cards. You also get access to Wells Fargo’s Business Tools, which include expense management, account alerts, spending reports, and more. Additionally, you get access to Wells Fargo’s Business Credit Center, which offers tips and resources on how to build and manage your business credit.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The Wells Fargo Business Platinum Credit Card is a great card for realtors who want a low interest rate and cash back or rewards points. You can choose between two rewards programs, enjoy a low fixed APR, and pay no annual fee.

To apply for this card, you can visit the Wells Fargo website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

10. CitiBusiness / AAdvantage Platinum Select Mastercard: Best for American Airlines Rewards and Companion Certificate

The CitiBusiness / AAdvantage Platinum Select Mastercard is our top pick for the best credit card for realtors who want American Airlines rewards and a companion certificate. This card offers a generous rewards program, a low annual fee, and a variety of travel benefits and features.

Here are the main features of the CitiBusiness / AAdvantage Platinum Select Mastercard:

  • Rewards: You can earn 2x AAdvantage miles on eligible American Airlines purchases, as well as on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. You can earn 1x mile on all other purchases, with no limit to how much you can earn. You can redeem your miles for flights, upgrades, car rentals, hotels, and more. You can also transfer your miles to one of American Airlines’s 20 travel partners, such as British Airways, Cathay Pacific, Qantas, and more, at varying rates. You also get a 65,000 bonus miles after spending $4,000 in purchases within the first 4 months of account opening, which is worth $910 in travel through American Airlines.
  • Fees: There is a $99 annual fee for this card, which is waived for the first year. The regular APR is 15.99% to 24.99% variable, depending on your creditworthiness. There is no foreign transaction fee, which makes this card ideal for international travel.
  • Benefits: This card comes with some amazing benefits for realtors, such as a free checked bag for you and up to four companions on domestic American Airlines flights, a 25% savings on inflight purchases of food, beverages, and Wi-Fi, a $99 companion certificate after spending $30,000 in purchases and renewing your card each year, priority boarding, and free employee cards. You also get access to Citi’s Business Tools, which include expense management, account alerts, spending reports, and more. Additionally, you get access to Mastercard’s World Elite Benefits, which include travel and emergency assistance services, trip cancellation and interruption coverage, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, auto rental collision damage waiver, cell phone protection, and more.
  • Eligibility: To qualify for this card, you need to have a good to excellent credit score, typically above 670. You also need to have a valid business entity and a steady income.

The CitiBusiness / AAdvantage Platinum Select Mastercard is a great card for realtors who want American Airlines rewards and a companion certificate. You can earn 2x miles on select categories, enjoy a waived annual fee for the first year, and pay no foreign transaction fee.

To apply for this card, you can visit the Citi website and fill out an online application form. You will need to provide some personal and business information, such as your name, address, social security number, business name, revenue, and industry. You will get a decision within minutes, and if approved, you will receive your card in the mail within 7 to 10 business days.

What is the Best Business Credit Card for Realtors?

The answer to the question: what is the best business credit card for realtors, depends on your personal and business needs, preferences, and goals. There is no one-size-fits-all answer, as different cards have different features, benefits, and drawbacks. However, you can use the following criteria to help you narrow down your options and find the best card for you:

  • Rewards: Choose a card that offers a high rewards rate and matches your spending patterns. If you spend a lot on specific categories, such as travel, gas, or advertising, look for a card that offers bonus rewards on those categories. If you have a varied spending, look for a card that offers a flat rewards rate on all purchases.
  • Fees: Choose a card that has a low or no annual fee, or that offers enough rewards and perks to justify the fee. Also, look for a card that has a low or no foreign transaction fee, especially if you travel or do business abroad.
  • Perks: Choose a card that offers some useful and valuable perks and discounts that can help you save money and enhance your business. For example, look for a card that offers free or discounted access to airport lounges, travel insurance, car rental insurance, extended warranty, purchase protection, and more.
  • Customer service: Choose a card that has a good customer service rating and reputation. Look for a card that is easy to contact, responsive, helpful, and resolves any issues or complaints that you may have.

Here is a summary of the 10 best business credit cards for realtors in 2023:

Card NameRewardsFeesBenefitsEligibility
American Express Blue Business Plus2x points on up to $50,000 in purchases per year, 1x point on everything elseNo annual fee, 0% intro APR on purchases for 12 months, 2.7% foreign transaction feeExpanded buying power, Amex Offers, purchase protection, extended warranty, car rental insurance, free employee cardsGood to excellent credit score, valid business entity, steady income
Bank of America Business Advantage Unlimited Cash Rewards1.5% cash back on every purchase, up to 2.62% cash back with Preferred Rewards for Business membershipNo annual fee, 0% intro APR on purchases for 9 billing cycles, 3% foreign transaction feeTravel and emergency services, roadside dispatch, purchase security, extended warranty, free employee cards, $300 statement credit bonusGood to excellent credit score, valid business entity, steady income
U.S. Bank Business Triple Cash Rewards World Elite TM MastercardUp to 5% cash back on select categories, $500 cash back bonusNo annual fee, 0% intro APR on purchases and balance transfers for 15 billing cycles, 3% foreign transaction feeTravel and emergency assistance services, trip cancellation and interruption coverage, baggage delay insurance, auto rental collision damage waiver, cell phone protection, free employee cards, Travel Rewards Center, Mastercard Easy SavingsGood to excellent credit score, valid business entity, steady income
Chase Ink Business Preferred3x points on select categories, up to $150,000 in purchases per year, 1x point on everything else, 100,000 bonus points$95 annual fee, no foreign transaction feeTravel and emergency assistance services, trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, auto rental collision damage waiver, cell phone protection, free employee cards, 25% travel redemption bonus, Luxury Hotel & Resort CollectionGood to excellent credit score, valid business entity, steady income
Capital One Spark Cash for Business2% cash back on every purchase, $500 cash bonus$95 annual fee, waived for the first year, no foreign transaction feePurchase security, extended warranty, car rental insurance, travel and emergency assistance services, roadside dispatch, free employee cards, Business Assistant, CreditWiseGood to excellent credit score, valid business entity, steady income
Discover it Business Card1.5% cash back on every purchase, cash back match at the end of the first yearNo annual fee, 0% intro APR on purchases for 12 months, no foreign transaction feeFree social security number alerts, free FICO credit score reports, purchase protection, extended warranty, return guarantee, flight accident insurance, auto rental insurance, free employee cardsGood to excellent credit score, valid business entity, steady income
Brex CashUp to 8x points on select categories, 50,000 bonus pointsNo annual fee, no interest rate, no foreign transaction feeTravel and emergency assistance services, trip cancellation and interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement, travel accident insurance, auto rental collision damage waiver, cell phone protection, free employee cards, Brex Travel, Brex CashNo credit score or personal guarantee required, valid business entity, minimum balance of $100,000 in Brex Cash account
American Express Business Gold Card4x points on top two categories, up to $150,000 in purchases per year, 1x point on everything else, $150 statement credit$295 annual fee, no foreign transaction feeTravel and emergency assistance services, trip cancellation and interruption insurance, trip delay reimbursement, baggage insurance, car rental insurance, purchase protection, extended warranty, free employee cards, 35% travel redemption bonus, Business Tools, Global Lounge CollectionGood to excellent credit score, valid business entity, steady income
Wells Fargo Business Platinum Credit Card1.5% cash back or 1 point on every dollar spent on purchases, $500 cash back bonus or 5,000 bonus pointsNo annual fee, 9.99% fixed APR, 3% foreign transaction feePurchase security, extended warranty, auto rental collision damage waiver, travel and emergency assistance services, roadside dispatch, free employee cards, Business Tools, Business Credit CenterGood to excellent credit score, valid business entity, steady income
CitiBusiness / AAdvantage Platinum Select Mastercard2x miles on eligible American Airlines purchases and select categories, 1x mile on everything else, 65,000 bonus miles$99 annual fee, waived for the first year, no foreign transaction feeFree checked bag, 25% savings on inflight purchases, $99 companion certificate, priority boarding, free employee cards, Business Tools, World Elite BenefitsGood to excellent credit score, valid business entity, steady income
10 Best Credit Cards for Realtors in 2024

FAQs

Here are some frequently asked questions and answers about the best business credit card for realtors:

Q: Do I need a business credit card for my real estate business?

A: A business credit card is not a requirement for your real estate business, but it can offer you some advantages over a personal credit card, such as higher credit limits, rewards, perks, tax deductions, and more. It can also help you separate your personal and business expenses, track your spending, and access credit when you need it.

Q: How do I qualify for a business credit card?

A: To qualify for a business credit card, you need to have a business or a professional activity that generates income or expenses. You don’t need to have a formal business structure, such as a corporation or an LLC, to apply for a business credit card. You can use your own name and social security number as your business name and tax ID, as long as you are honest and accurate about your business information. You also need to have a good credit score, income, and other factors that the card issuer may consider.

Q: How do I use a business credit card responsibly?

A: To use a business credit card responsibly, you should follow some best practices, such as:

  • Pay your balance in full every month, or as much as you can, to avoid interest charges and improve your credit score.
  • Use your card only for business expenses, and keep your personal and business expenses separate.
  • Track your spending and categorize your expenses by using your credit card statements or online tools.
  • Take advantage of the rewards and perks that your card offers, and redeem them for benefits that suit your needs and goals.
  • Avoid overspending or carrying a high balance on your card, as this can hurt your credit score and incur fees or penalties.
  • Review your credit card terms and conditions regularly, and be aware of any changes or updates that may affect your card.

Conclusion

Choosing the best business credit card for realtors can be a challenging task, as there are many factors and features to consider. However, by following the tips and steps in this guide, you can make an informed and smart decision that can help you grow your business and achieve your goals.

The best business credit card for realtors depends on your personal and business needs, preferences, and goals. However, some of the best cards in the market today are:

  • American Express Blue Business Plus: A great card for realtors who want a simple and flexible rewards program, with no annual fee and a 0% intro APR on purchases for 12 months.
  • Chase Ink Business Preferred: A great card for realtors who want a generous and versatile rewards program, with a sign-up bonus of 100,000 points, worth $1,250 in travel, and an annual fee of $95.
  • Capital One Spark Cash for Business: A great card for realtors who want a simple and straightforward cash back program, with 2% cash back on every purchase, a sign-up bonus of $500, and an annual fee of $95, waived for the first year.

We hope that this guide has helped you find the best business credit card for realtors, and that you enjoy using it for your business. Thank you for reading, and happy hunting!