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Getting an in-store business credit card is another step that will help your company build business credit. You will establish more creditworthiness for your business, protect your personal assets by maintaining the corporate veil, and gain rewards and incentives for doing business with the companies you already do business with.

There are multiple in-store business credit cards that can meet a variety of business needs. No single card can take care of every business need, but some cards rate higher than others.

Instore Credit Cards for Building Business Credit

Best Office Supply In-Store Credit Card

Office Supply cards are the simplest way to add tradelines to your business credit reports and earn discounts for all your office supply product purchases. They work by offering incentives and discounts for spending money in their store.

While no single card takes care of every business’s need, having an office supply credit card can be extremely useful because businesses need to constantly replenish their office supplies. The major reason to have such a card is to save money on supplies you’ll buy anyway and build your business credit at the same time.


Ideal for: Business owners who want to take advantage of doing business with the largest office supply chain in America, and who don’t mind the fact reward points won’t be reissued past their expiration date.

With this card, you will earn 5% cash back on all purchases with no spending cap (applies both online and in-store). There’s also a nice $50 statement credit so long as you spend $150 or more on a single purchase within your first 45 days of opening the account.


  • Free $50 statement credit when you make a $150 purchase within the first 45 days of opening the account

  • 5% cash back on all purchases (online and in-store)

  • Free delivery, no minimum when you use the card

  • Free employee cards with controllable spending limits

  • Online statements/reports


  • No annual fee

  • Fixed Interest rate between 14.99% - 29.99%

  • $2 minimum interest charge when balance carries

Best Clothing In-Store Credit Card

Businesses that require professional attire can benefit from having a line of credit with a major retail clothier. While there are many retailers to choose from, this card offers 5% cash back on all in-store purchases. This is a great asset for new businesses that want to both establish trade lines and save money on clothes and other retail items.


Ideal for: Business owners and employees who must wear professional attire and that with to establish and build business credit.

Macy’s Credit Card offers an attractive package of rewards and benefits that help you save on purchases both at Macy’s and other retailers. It provides shopping incentives like free shipping, 5% cash back, and additional coupons. However, with a $2 minimum interest rate, you’ll need to pay this card off each month to avoid incurring needless interest charges.


  • 5% cash back on all purchases in-store and online at Macy’s.

  • Additional cash back rewards on purchases made at other retailers

  • Zero fraud liability and purchase protection

  • Introductory cash back bonus of 25% (up to first $100)

  • Tiered savings structure (Silver, Gold, and Platinum)

  • Star Passes that let you save 25% on the day of your choice


  • No annual or monthly fees.

  • $5 or 4% cash advance fee (whichever is higher).

  • Late payment $40

  • Return payment $40

  • Foreign transaction fee 3%

  • Minimum interest $2 (when you carry a balance)

  • Fixed Interest rate of 25.24% (based on prime interest rate)

Best Card In-Store Technology Card

Today’s businesses are driven by technology, so it makes sense to have a card that can save you loads of money on such technologies. This card can be used in-store or online, and you never have to worry about a late fee, but with this card, it may be best to pay the balance in full each month.


Ideal for: Businesses who use Apple products (Apple Computers, Macbooks, iPhone, Apple Watches, etc.).

This in-store credit card is a great place to start for business owners who want to build additional business credit purchasing the technologies that Apple has become famous for.

This card carries all the power of regular MasterCard credit cards (e.g., roadside assistance, travel accident insurance) with no fees whatsoever. You’ll love the 3% cash back on in-store purchases made using Apple Pay, plus the 1% cash back you’ll receive when shopping with the actual etched titanium Apple Card that does not show your card number (a nice bonus if you ever lose your card).


  • 3% cash back when using Apple Pay to buy Apple products directly through Apple

  • 2% cash back when purchasing anything else, anywhere else

  • 1% cash back when using the actual titanium card at places that aren’t set up for Apple Pay

  • APR of 10.99% to 21.99% (average interest rate is 15.09%)


  • No fees (e.g., no hidden fees, no annual fees, no late fees, no foreign transaction fees, no over-limit fees, no returned payment fees, no maintenance fees, no reward-redemption fees)

Best In-Store Card for Restaurants

If you want to be rewarded for those business lunches and catering events, you’ll likely want to have a card in your wallet that rewards you when you eat out.

The card we’ve selected below does just that. This card not only provides cash back rewards every time you eat out, but it also offers rewards for purchases at eBay but also rewards wherever else you choose to shop.


Ideal for: Businesses that reimburse for corporate meals, that shop at eBay, and that utilize PayPal as a payment solution.

This is an excellent choice for any business looking to earn rewards on meal purchases. The card offers 3% cashback on restaurant purchases, 2% back on eBay purchases, and 1% on just everything else a business needs.

You can redeem your cashback directly to your PayPal account, making this card extremely easy to manage and keep track of.


  • 3% cash back at gas stations and restaurants

  • 2% cash back on eBay

  • Unlimited 1% cash back on all other purchases

  • Shop everywhere Mastercard is accepted

  • Total purchase protection

  • Car rental insurance


  • No annual fee

  • 3% foreign transaction fee

Best In-Store Gas Credit Card

Most small business owners need to save money everywhere they can, and this includes at the gas pump. The card we’ve chosen below is the best in-store gas credit card. With .10 cents a gallon off all gas purchases, 10% cash back on all purchases made at the gas station, and 2% cash back on dining and grocery purchases, and 1% cash back on all other purchases.


Ideal for: Fleet companies, or any business that requires employees to travel by way of motor vehicle (e.g., sales reps, vendors, etc.).

This card will save you between 10 cents to 30 cents per gallon, making it a great choice if you fill up at Shell gas stations. It also offers cash back incentives when shopping in-store for all other Shell products.

Finally, this program also offers new cardmembers the benefit of receiving 30 cents off per gallon on the first five fill-ups, up to 20 gallons.

The only drawback to this card is it’s 26.49% average variable interest rate, making it a card you’ll want to pay in full each month. If your business will can’t handle paying the card balance off in full each month, this is not the card for you.


  • No annual fee

  • 10 cents to 30 cents off per gallon of Shell gasoline

  • 2% back on purchases made at gas stations and restaurants

  • 10% back on non-fuel Shell purchases

  • 1% back on all other purchases


  • No annual fee

  • No over-limit fee

  • $40 late fee

  • $10 or 5% cash advance fee (whichever is higher)

  • 3% foreign transaction fee


While it’s important to build business credit, it is even more important to get lines of credit that fit the needs of your company. Knowing what type of cards to possess and the ones that carry the best reward advantages will help you run your business more manageably.

If you know that you are looking for specific rewards, like cash back rewards, better discounts, or cards with fewer fees, you can get a card like the PayPal Extras Credit Card or the Apple Card, respectively.

However, if you don’t have a specific type of reward in mind, it is never a bad option to choose a card like the Shell Credit Card, which offers great discounts on gasoline. Before applying for any card, understand the needs of your business, and do your due diligence. This will help you get the most out of your in-store credit card.

We hope that this guide has been useful in helping you select which business credit card(s) are best for you. However, if you need more help in deciding which type of card will best suit your business, or if you want to explore more credit card options, we offer several guides below to help you make a more informed decision.

We hope that this guide has been useful in helping you select which business credit card(s) are best for you. However, if you need more help in deciding which type of card will best suit your business, check out our guide on how to choose a small business credit card.

Looking for Something Different?

If you’re still not sure where to start with building business credit, our How to Build Business Credit guide covers all the basics you’ll need to start your search. It includes everything you’ll need to know about establishing and building business credit.

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Recommended: Want someone to walk you through the intricacies of building business credit? We recommend Obsidian Bear Funding.