The Staples Business Credit Card Review for 2021

Is the Staples business credit card worthwhile for you business? Find out here.

Updated on March 12, 2020

Credit Card

Credit Card

Staples Business Account

Great For: It is a good supplemental card to have in your wallet to maximize the 5% cash back on Staples purchases.

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on Citibank's secure website
  • 5% back in Staples Rewards on every in-store and online purchase
  • Itemized billing detail
  • No annual fee
  • Save $50 on your first purchase of $150 or more within your first 45 days.
Credit Card
Apply Now
on Citibank's secure website
Welcome offerSave $50 on your first purchase of $150 or more within your first 45 days.Rewards rateback in Staples Rewards on every in-store and online purchaseAnnual feeMinimum credit
$505% cash back0700

Quick Summary

The Staples business credit card only offers store-specific spending and rewards because it’s not affiliated with a card network. So, even though the 5% rewards and Staples perks it offers might be impressive, the Staples business credit card will seriously limit the spending you can earn for.

Staples Business Credit Card: Intro Rates

The Staples business credit card doesn’t offer an intro APR period, but it does offer a deferred financing plan for business owners who are hoping to pay down big purchases gradually without accruing any interest.

How does that work, exactly?

When you make a Staples purchase of $299, $499, or $799, Staples can set you up on a payment plan to pay off this purchase in monthly installments over 6, 12, or 18 months, respectively.

As long as you make all of your monthly payments on time and you’ve paid off your purchase within the agreed-upon term, then you won’t have to pay any interest on your deferred financing.

Staples Business Credit Card Rewards: Welcome Offer

When you sign on as a member of the Staples Business More Account, you’ll gain access to a one-off welcome offer.

You’ll simply have to make a Staples purchase of $150 or more within 45 days of opening your account, and you’ll receive a $50 discount on this purchase.

If you’re planning on making a big Staples purchase within the next 45 days, then now might be the right time to take the next step with the the Staples business credit card.

Staples Business Credit Card Rewards: Ongoing Offer

For every dollar you spend with the Staples business credit card, you’ll get a flat-rate 5% back in rewards.

As far as rewards rates go, a flat-rate of 5% is pretty solid, but keep in mind that they’ll only apply to Staples purchases.

There are also some secondary perks to choosing to spend with the Staples business credit card:

  • Automatic upgrade to Staples Premier status
  • Free next-day delivery on orders over $49.99, excluding oversized items
  • Flexible payment options to pay in full or carry a balance every month
  • Online account manager
  • Itemized billing
  • Purchase order tracking
  • Spending limits and billing options for authorized users
  • Ability to apply payments to specific invoices

Staples Business Credit Card: Annual Fee

The Staples business credit card won’t charge you an annual fee to become a cardmember, so it might be an ideal no-fee supplement to another, more general business credit card.

Is the Staples Business Credit Card Right for You?

Get the Staples Business Credit Card if:

  • You do a lot of your business spending at Staples.

Skip the Staples Business Credit Card if:

  • You want to earn cash back for all of your office supply purchases—not just those you make at Staples.

Why the Staples Business Credit Card?

What Staples business credit card features might make it worth the trouble of getting?

Here are the top two reasons that the Staples business credit card might be worthwhile for your business spending:

High Cash Back Rewards Rates

As far as cash back rewards go, 5% is pretty remarkable. Even more, the fact that Staples won’t cap how much cash back you can earn with rate makes the deal even sweeter.

If you’re spending big specifically with Staples, then these cash back rewards could be game-changers for your business.

Deferred Financing Plans

The deferred financing plans you’ll be able to access by becoming a cardmember with the Staples business credit card are also a top perk.

The fact that you’ll be able to access interest-free deferred financing plan through this card is pretty nice, and it can help you make those big-ticket purchases you’ve been putting off.

And while these plans are certainly nice, they’re not quite the most flexible financing you’ll be able to find. In fact, many of the Staples business credit card’s top competitors will make it even easier for you to make big purchase and pay them off gradually, interest free with a 0% intro APR period.

Keep in Mind With the Staples Business Credit Card

Alternatively, let’s consider the main downsides to the Staples business credit card that should make you hesitate to sink the time into getting this store card:

Store-Specific Spending and Rewards

For all of its virtues, the Staples business credit card is extremely limited in what it can offer your business. The fact that it only allows you to spend at Staples and Staples.com is an all-encompassing downside. And as a result of this limitation, any cash back you earn—no matter how easy it is to earn—will only apply to Staples purchases.

Small Welcome Bonus

Not to mention, even the store-specific welcome bonus won’t measure up to the welcome bonuses you’ll see with some of the Staples business credit card’s top competitors.

In fact, the $50 discount you’ll be able to access with the Staples business credit card looks like small change when stacked up against the welcome bonuses of hundreds of dollars that other business cards can offer.

Plus, these bonuses won’t be store specific, so they’ll be able to go towards whatever purchase you deem fit for your business.

Meanwhile, the modest $50 bonus the Staples business credit card offers will only be applicable to a Staple purchase.

Top Alternatives to the Staples Business Credit Card

Credit Card

Credit Card

The Blue Business® Plus Credit Card from American Express
4.8Fundera Score

Great For: Making purchases with a 0% intro APR period

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Apply Now
on American Express's secure website
  • 12 month 0% intro APR period on purchases from the date of account opening
  • 2X points for the first $50K spent
  • No annual fee
Credit Card
Apply Now
on American Express's secure website
Intro apron purchases for 12 months from the date of account openingRegular aprAnnual feeMinimum credit
0%13.24% – 19.24%0700
Credit Card

Credit Card

Ink Business Cash® Credit Card
4.4Fundera Score

Great For: Typical business expenses

Read Full Review
Apply Now
on Chase's secure website
  • $750 signup bonus if you spend $7,500 in first 3 months
  • 0% intro APR for 12 months on purchases
  • 5%, 2% or 1% cash back depending on where you spend
Credit Card
Apply Now
on Chase's secure website
Intro apron purchases for 12 monthsRegular apr(Variable)Annual feeMinimum credit
0%13.24% – 19.24%0660
In This Review

    Compare the Best Credit Cards

    Top Pick
    American Express Blue Business Cash™ Card
    Ink Business Cash® Credit Card
    The Blue Business® Plus Credit Card from American Express
    Ink Business Unlimited® Credit Card

    American Express Blue Business Cash™ Card

    Ink Business Cash® Credit Card

    The Blue Business® Plus Credit Card from American Express

    Ink Business Unlimited® Credit Card

    Fundera Score

    4.7

    Fundera Score

    4.4

    Fundera Score

    4.8

    Fundera Score

    4.6

    Welcome Offer

    $250

    Welcome Offer

    $750 cash back

    Welcome Offer

    15,000 points

    Welcome Offer

    $750 cash back

    Rewards Rate

    2% or 1% cash back

    Rewards Rate

    5%, 2% or 1% cash back on purchases

    Rewards Rate

    2 points

    Rewards Rate

    1.5% cash back

    Annual Fee

    $0

    Annual Fee

    $0

    Annual Fee

    $0

    Annual Fee

    $0

    Minimum Credit

    Excellent (660-699)

    Minimum Credit

    Excellent (660-699)

    Minimum Credit

    Excellent (700+)

    Minimum Credit

    Excellent (660-699)
    Apply Now
    on American Express's secure website
    Read Full ReviewSee Terms and Rates
    Apply Now
    on American Express's secure website
    Read Full ReviewSee Terms and Rates
    Top Pick
    American Express Blue Business Cash™ Card

    American Express Blue Business Cash™ Card

    Fundera Score

    4.7

    Welcome Offer

    $250

    Rewards Rate

    2% or 1% cash back

    Annual Fee

    $0

    Minimum Credit

    Excellent (660-699)
    Apply Now
    on American Express's secure website
    Read Full ReviewSee Terms and Rates
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    Fundera Score

    4.4

    Welcome Offer

    $750 cash back

    Rewards Rate

    5%, 2% or 1% cash back on purchases

    Annual Fee

    $0

    Minimum Credit

    Excellent (660-699)
    The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American Express

    Fundera Score

    4.8

    Welcome Offer

    15,000 points

    Rewards Rate

    2 points

    Annual Fee

    $0

    Minimum Credit

    Excellent (700+)
    Apply Now
    on American Express's secure website
    Read Full ReviewSee Terms and Rates
    Ink Business Unlimited® Credit Card

    Ink Business Unlimited® Credit Card

    Fundera Score

    4.6

    Welcome Offer

    $750 cash back

    Rewards Rate

    1.5% cash back

    Annual Fee

    $0

    Minimum Credit

    Excellent (660-699)
    Sally Lauckner
    Editor-in-Chief at Fundera

    Sally Lauckner

    Sally Lauckner is the editor-in-chief of the Fundera Ledger and the editorial director at Fundera.

    Sally has over a decade of experience in print and online journalism. Previously she was the senior editor at SmartAsset—a Y Combinator-backed fintech startup that provides personal finance advice. There she edited articles and data reports on topics including taxes, mortgages, banking, credit cards, investing, insurance, and retirement planning. She has also held various editorial roles at AOL.com, Huffington Post, and Glamour magazine. Her work has also appeared in Marie Claire, Teen Vogue, and Cosmopolitan magazines. 

    Read Full Author Bio