It’s possible to purchase a lot of different gift cards at office supply stores which is why it’s such a popular category for people to earn increased rewards on. Another advantage is that it’s often stackable with other loyalty programs such as: ShopKick.
- 1 Personal
- 2 Business
- 2.1 Chase United MileagePlus® Explorer Business Card 2x United Miles, $95 Annual Fee Waived First Year
- 2.2 CitiBusiness / AAdvantage World MasterCard 2-2.1x AAdvantage Miles, $95 Annual Fee Waived First Year
- 2.3 Lowe’s Business Rewards 3x Points, No Annual Fee
- 2.4 Bank of America Cash Rewards For Business MasterCard, 3% Cash Back, $250,000 Annual Cap, No Annual Fee
- 2.5 Huntington Business Voice – 4% Cash Back – Up To $7,000 In Spend Per Quarter
- 2.6 FNBO Absolute Rewards, 5x Points, $25,000 In Spend, No Annual Fee
- 2.7 Discover Business Card, 5% Cash Back, $2,000 Spend Limit, No Annual Fee
- 2.8 American Express Simply Cash, 5% Cash Back, $25,000 Spend Limit, No Annual Fee
- 2.9 Chase Ink Cash, 5% Cash Back, $25,000 Spend Limit, No Annual Fee
- 2.10 Chase Ink Bold/Plus, 5x Chase UR Points, $95 Annual Fee Waived First Year, $50,000 Spend Limit
Unfortunately there aren’t a lot of personal cards that earn at a high rate on office supply stores, this is because the majority of purchases in this category are coming from business owners. We only thought there was one personal card worth mentioning.
Huntington Voice, 3% Cash Back, $2,000 Per Quarter Limit, No Annual Fee
The Huntington voice card has been in a lot of these round up lists, that because they let you choose a category that earns 3% cash back and have a big list of categories to choose from. This is by far the best option for personal cards, the downside is that there is a limit of $2,000 per quarter.
Business cards have the added benefit that they can be enrolled in business loyalty programs offered directly by card issuers such as: Visa Savings Edge, MasterCard Easy Savings, American Express OPEN savings which often have deals for office supply stores.
Chase United MileagePlus® Explorer Business Card 2x United Miles, $95 Annual Fee Waived First Year
This card has no spending limits and the annual fee of $95 is waived for the first year. It earns 2 miles per $1 spent on all purchases in the following categories: restaurants, gas stations, office supply stores & tickets purchases directly from United.
Even if you value United miles highly, you’d be better off getting the Chase Ink Plus/Bold and then transferring to United instead.
CitiBusiness / AAdvantage World MasterCard 2-2.1x AAdvantage Miles, $95 Annual Fee Waived First Year
This card earns 2x AAdvantage miles on purchases at certain office supply, telecommunications and car rental merchants. You also get a 5% membership renewal bonus on all miles earned as well, actually making it 2.1x miles at office supply stores if you’re willing to pay the $95 annual fee.
The main advantage this card has over the other business cards listed is that there is no points cap on the bonus categories.
Lowe’s Business Rewards 3x Points, No Annual Fee
The Lowe’s business rewards card earns points which can be redeemed for Lowe’s gift cards or American Express prepaid cards at a rate of 1¢ = 1 point. This makes it slightly worse than a straight 3% cash back card, the upside is that there are no limits on the amount of points you can receive and no annual fee.
Bank of America Cash Rewards For Business MasterCard, 3% Cash Back, $250,000 Annual Cap, No Annual Fee
This might be a reasonable option for those looking for cash back and have massive spending requirements annually, although you’d be better off maxing out the below limits first. The BoA cash rewards for business card earns 3% cash back on gas & office supply stores (2% on restaurants), it has an annual limit of $250,000 on the 3% categories which is a maximum of $7,500 cash back.
Huntington Business Voice – 4% Cash Back – Up To $7,000 In Spend Per Quarter
This card lets you choose one category to earn 4% cash back in. You can change this category every quarter and you earn 4% cash back on the first $7,000 in spend on that category every quarter. One of the categories you can choose is gas stations.
FNBO Absolute Rewards, 5x Points, $25,000 In Spend, No Annual Fee
Card earns 5x points on office supply purchases and a wide variety of other purchases, unfortunately the points are only worth up to 0.769¢ each.
Discover Business Card, 5% Cash Back, $2,000 Spend Limit, No Annual Fee
This card earns at a high 5% cash back rate, unfortunately this is only on the first $2,000 in spend each year. Most people will quickly hit this limit if they are buying a lot of gift cards each year. Fortunately there is no annual fee. It also earns at 2% on gas for the first $2,000 in purchases, but as you should know it’s easy to get at least 5% cash back on those purchases.
American Express Simply Cash, 5% Cash Back, $25,000 Spend Limit, No Annual Fee
This card earns 5% cash back on purchases from U.S supply stores and on wireless telephone services purchased directly from U.S. service providers. You also get to choose a 3% cash back category out of a list as well. Unfortunately both of these categories only earn at the 5/3% cash back rates for the first $25,000 in purchases every year. The upside is that there is no annual fee on this card.
Chase Ink Cash, 5% Cash Back, $25,000 Spend Limit, No Annual Fee
This card earns 5% cash back on office supply stores (and cellular phone, landline, internet and cable TV services) but there is a limit of $25,000 per year. Meaning the maximum you can earn is $1,250. If you have a Chase card that can transfer to airline/hotel partners (e.g Chase Sapphire Preferred or Ink Bold/Plus) then you can also use this functionality and transfer at a 1:1 rate. We placed this above the AmEx Simply Cash because of this ability.
Chase Ink Bold/Plus, 5x Chase UR Points, $95 Annual Fee Waived First Year, $50,000 Spend Limit
The Chase Ink Bold & Chase Ink Plus both earn 5x Chase Ultimate Rewards Points on all office supply store purchases on the first $50,000 in purchases each year. This means you can earn a maximum of 250,000 Chase UR points per year by using one of these cards on office supply store purchases.
In addition to the 5x earning potential on office supply stores these cards also earn 5x on cellular phone, landline, internet and cable TV services which are all included in the $50,000 spending cap.
This is the crème de la crème when it comes to office supply purchases because the Chase UR points are so flexible. If you want cash you can get a straight 1¢ per point in value. You can also transfer the points to airline or hotel partners at a 1:1 transfer rate.
Did we miss any credit cards that earn at a high rate on office supply stores? What’s your favorite method of increasing your credit card spend in these categories? Let us know in the comments below.
If you’d like to know what the best credit card to use is for different categories, you can use one of the links below to find out:
- Department stores
- Drug stores
- Everyday purchases
- Gas stations
- Grocery store
- Cards that earn 5% or more cash back