Posted by William Charles on June 13, 2014
Credit Cards

Published on June 13th, 2014 | by William Charles


Best Credit Cards For Office Supply Purchases

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.


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

Read our full review

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

Read our full review

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:

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[…] it’s only really useful for racking up spend on a credit card which earns a bonus amount for office supply stores. Or possibly to help meet a minimum spend […]


[…] a credit card that earns 5x/5% at office supply stories […]


[…] are currently stocking $500 Visa & Mastercard gift cards, this is great news as a lot of credit cards earn at a high rate on office supply stores and it’s generally much easier and cheaper to liquidate $500 cards rather than multiple $200 […]


[…] The fees are $6.95 per $200 card, your best bet is to purchase three $200 gift cards, this will trigger $40 in discounts so you’ll end up paying $580.85. Basically $20 profit, plus whatever you get from the credit card rewards (make sure to use a card that earns at a high rate on office supply stores). […]


[…] Some people won’t want to use this option since they prefer to use a credit card that gets bonus points at office supply stores. […]


[…] Staples gift cards can currently be sold for 84.5% of face value, so the rebate more than covers the fees on the gift cards you purchase. This is obviously best for people that can easily unload Mastercard gift cards and have use for Staples gift cards (and have a card that earns at a high rate on office supply store purchases). […]


[…] deal is better than this one, but both are good deals if you like buying gift cards from Staples for credit card points as these rebates help cover the cost of the activation fees. You can also stack these deals with the […]

Jeff H
Jeff H

IF you can update this thread, you might add First National Bank Absolute Rewards: 5% Cash Back On Huge Range Of Categories. Unfortunately, the rewards even at 5 points/$1.00 spent are not 5% Cash Back. It takes 130,000 to be rewarded $100.00. There are some alternatives like gift cards that one may consider.


[…] plus side (see what I did there?) the card does earn 5% cash back on valuable categories such as office supply stores. The spending requirement is also lower than it normally is, so that’s another plus (ha ha […]


[…] This is the best of the gift card rebate offers as it’s for $20 and you can purchase Visa gift cards (and the rebate is a Visa) making it much easier to unload. Make sure you use a credit card that earns at a high rate on office supply store purchases.  […]


[…] sure you use a credit card that earns at a high rate on office supply store purchases.  Learn more about Staples Easy Rebates in this […]


[…] deal was especially lucrative if you used a card that earns a high rate at office supply stores. For the sake of this article, we’ll assume the use of a card that gives 5% cash […]


Plink died awhile ago.


There is another no AF/no limit 3% CB business card for Office supplies, Cellphone/internet/cable services. Only $25 signup bonus. Card is issued by Elan for BMT.


Amex Simply Cash stopped giving me 5% cb at OD/OM on gcs sometime last year


How about Staples? With the Amex Simply Cash?Does it still get 5% cb?

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