Compare card earning rates, fees and benefit qualifications.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.
35 cards ranked by value per dollar · Rankings aren't paid placement · How we rank
Not office supplies?
Why this card
No annual fee
Bonus rate on first $25,000/annual, then base rate
American Express
Why this card
No annual fee
Bonus rate on first $50,000/annual, then base rate
Capital One
Why this card
Why this card
No annual fee
Bonus rate on first $750/quarterly, then base rate
Why this card
Bonus rate on first $150,000/annual, then base rate
Why this card
Why this card
Annual fee $200. Other listed credits: Up to $100 Annual Expensify Statement Credit (up to $100/yr); Up to $120 in Instacart Credits (up to $10/mo); DoorDash (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Promotional rate — may be time-limited
Capital One
Why this card
American Express
Why this card
Annual fee $375. Other listed credits: $150 Squarespace Annual Credit (up to $150/yr); $155 Walmart+ Credit (up to $12.95/mo); $240 Flexible Business Credit (up to $20/mo); ChatGPT Business Credit (up to $300/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $150,000/annual, then base rate
Capital One
Why this card
Annual fee $150. Other listed credits: Annual Fee Refund (up to $150/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bank of America
Why this card
3% applies only if office supply stores is your chosen category (gas stations and EV charging is the default; other choices: office supply stores, travel, TV/telecom & wireless, computer services, business consulting services); the $50,000 annual limit is combined with dining 2%. 3% applies only if TV/telecom & wireless is your chosen category (gas stations and EV charging is the default; other choices: office supply stores, travel, TV/telecom & wireless, computer services, business consulting services); the $50,000 annual limit is combined with dining 2%. 3% applies only if travel is your chosen category (gas stations and EV charging is the default; other choices: office supply stores, travel, TV/telecom & wireless, computer services, business consulting services); the $50,000 annual limit is combined with dining 2%.
No annual fee
Bonus rate on first $50,000/annual, then base rate
Why this card
No annual fee. Other listed credits: $100 software credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
American Express
Why this card
No annual fee
Bonus rate on first $50,000/annual, then base rate
Why this card
Annual fee $795. Other listed credits: $100 Curated Gift Card Credit (up to $100/yr); $200 Google Workspace Credit (up to $200/yr); $400 ZipRecruiter Credit (up to $400/yr); Complimentary DashPass Membership (up to $120/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee. Other listed credits: $100 annual software credit (up to $100/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
American Express
Why this card
Annual fee $195. Other listed credits: $240 Hilton Credit (up to $240/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Bonus rate on first $100,000/annual, then base rate
Capital One
Why this card
No annual fee
American Express
Why this card
Why this card
Annual fee $149. Other listed credits: $50 Accounting Software Credit (up to $50/yr); $65 Wholesale Membership Club Credit (up to $65/yr; requires $65 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
No annual fee
Barclays
Why this card
Annual fee $99. Other listed credits: $100 statement credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Bank of America
Why this card
Chase
Why this card
Annual fee $150. Other listed credits: Up to $120 in Instacart credits (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
Annual fee $695. Other listed credits: Up to $200 in credits on JSX purchases (up to $200); Up to $240 in Instacart Credits (up to $240/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
American Express
Why this card
Annual fee $150. Other listed credits: $200 Delta Flight Credit (up to $200; requires $10,000 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
American Express
Why this card
Annual fee $895. Other listed credits: Adobe Credit (up to $250/yr; requires $600 eligible spend within 12 months); ChatGPT Business Credit (up to $300/yr); Dell Technologies Credit (up to $1,150/yr; requires $5,000 eligible spend within 12 months); Indeed Credit (up to $360/yr); Wireless Telephone Credit (up to $120/yr); Amex Travel Online Flight Statement Credit (up to $1,200/yr; requires $250,000 eligible spend within 12 months); American Express One AP Statement Credit (up to $2,400/yr; requires $250,000 eligible spend within 12 months). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Why this card
American Express
Why this card
Annual fee $350. Other listed credits: $120 Resy Credit (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
For this search, our top pick is the Ink Business Cash, which earns 5% cash back on office supplies, 5.0¢ per dollar, up to $25,000 a year (then 1%). It has no annual fee.
