Office supplies are one of the most reliably rewarded categories in the business card world, with several cards paying 4% to 5% back — well above what most general spending earns. The catch is that «office supply stores» is a specific merchant category, and not every place you’d think of as an office supplier actually qualifies. Below are the best business credit cards for office supplies in 2026.
Quick Answer: Best Office Supply Cards of 2026
| Card | Best For | Annual Fee | Office Supply Rate |
|---|---|---|---|
| Chase Ink Business Cash | Best Overall | $0 | 5%, up to $25,000/year combined |
| Amazon Business Prime American Express | Amazon & AWS Purchases | $0 (Prime required) | 5% at Amazon Business, AWS, Amazon.com, Whole Foods |
| Huntington Voice Business Credit Card | Flexible Choice Category | $0 | 4% on up to $7,000/quarter (choice) |
| Bank of America Business Advantage Customized Cash Rewards | Bundling With Other Categories | $0 | Up to 3% (choice), boostable to 5.25% |
The Best Business Credit Cards for Office Supplies in 2026
1. Chase Ink Business Cash — Best Overall
This remains the standard-bearer for office supply rewards: 5% cash back at office supply stores like Staples and Office Depot, combined with internet, cable, and phone services, on up to $25,000 in annual spending across those categories, with no annual fee. That combined cap is generous enough that most small businesses will never come close to exhausting it through office supplies and telecom bills alone.
- Pros: Highest widely available office supply rate, generous combined annual cap, no annual fee.
- Cons: Rate applies specifically to office supply stores, not general retailers or department stores that happen to sell some supplies.
- Best for: Businesses with regular office supply and telecom spending who want the strongest available rate.
2. Amazon Business Prime American Express — Best for Amazon & AWS Purchases
For businesses that source supplies primarily through Amazon rather than physical office stores, this card earns 5% cash back at Amazon Business, Amazon Web Services, Amazon.com, and Whole Foods Market, on a very high $150,000 in combined annual purchases before dropping to 1%. It requires an eligible Amazon Prime membership, and its Expanded Buying Power feature also allows spending above your stated credit limit based on your payment history and account standing.
- Pros: Strong 5% rate with a very high annual cap, no separate card fee, works well for businesses with meaningful AWS spending.
- Cons: Requires an active Amazon Prime membership; rewards are concentrated in the Amazon ecosystem rather than general office supply retailers.
- Best for: Businesses that source most of their supplies, and possibly cloud infrastructure, through Amazon.
3. Huntington Voice Business Credit Card — Best Flexible Choice Category
This card takes a different approach, letting you pick one of ten available categories — including office supplies — to earn 4% cash back on up to $7,000 in quarterly spending, working out to a potential $1,120 a year in rewards from that single category alone, with no annual fee. For a business whose priority spending category shifts over time, being able to choose (and presumably adjust) which category earns the bonus adds flexibility that fixed-category cards don’t offer.
- Pros: Choose your own bonus category from ten options, meaningful quarterly cap, no annual fee.
- Cons: Only one category earns the bonus rate at a time; less well-known than major issuer cards.
- Best for: Businesses that want to choose office supplies as a priority category alongside other flexible options.
4. Bank of America Business Advantage Customized Cash Rewards — Best for Bundling With Other Categories
This card lets you select your own 3% bonus category, which can include office supplies, sharing a $50,000 combined annual cap with a separate 2% dining rate. Its standout feature is Bank of America’s Preferred Rewards for Business program, which can boost that chosen category’s rate up to 5.25% for businesses that maintain a qualifying balance with the bank — turning an otherwise modest rate into one of the strongest available for office supply spending specifically.
- Pros: Choose office supplies as your bonus category, exceptional boosted rate available, no annual fee.
- Cons: Full boost requires a substantial Bank of America banking relationship; shares its cap with the dining category.
- Best for: Businesses with an existing Bank of America relationship who want office supplies as their priority category.
The Gift Card Trick Worth Knowing
Because Office Depot and Staples both sell gift cards for other brands — restaurants, gas stations, airlines, coffee shops — some business owners use their 5% office supply card to purchase those gift cards directly in-store, effectively extending the elevated rate to purchases that wouldn’t normally qualify for it. Buying a restaurant or coffee gift card at Office Depot with a card like Chase Ink Business Cash earns the 5% office supply rate on that gift card, rather than whatever rate that restaurant or coffee shop would normally earn on its own. This isn’t guaranteed to work indefinitely or at every location, and issuers can adjust merchant category coding at any time, but it’s a widely discussed technique for stretching an office supply card’s value further than the category name alone suggests.
How We Chose These Cards (Methodology)
These rankings are based on publicly available information directly from each issuer as of the «last updated» date at the top of this page: office supply cash back rate, annual spending caps, whether the rate is fixed or chosen, and annual fees. Because «office supply store» is a specific merchant category that excludes general retailers and department stores that happen to sell some supplies, we noted where a card’s applicability might be narrower than it first appears. Compensation from card issuers, where it exists, does not influence card selection or ranking order. Rates, caps and merchant category classifications change periodically, so always confirm current terms directly with the issuer before applying.
How to Choose an Office Supply Card
A few questions can help you pick the right fit:
- Where do you actually buy office supplies? If it’s dedicated stores like Staples or Office Depot, a fixed-category card like Chase Ink Business Cash will reliably earn its bonus rate. If it’s mostly Amazon, a card built around that ecosystem may serve you better.
- How much do you spend annually on office supplies and related categories? Match the card’s annual cap to your realistic spending — a $25,000 combined cap covers the vast majority of small businesses comfortably, while very high-volume buyers may want a card with an even higher ceiling, like the Amazon-branded option.
- Do you already bank with a specific institution? A banking relationship, particularly with Bank of America, can meaningfully boost a chosen category’s rate beyond what the base card offers on its own.
- Does your spending priority shift over time? A choose-your-own-category card offers more flexibility than a fixed-category card if office supplies aren’t always your top expense.
- Would a general flat-rate card actually serve you better? If your office supply spending is modest and spread across many other categories too, a simple flat-rate card may be less complicated to manage than optimizing around one specific category.
Frequently Asked Questions
What counts as an «office supply store» for credit card rewards?
This is a specific merchant category that typically includes stores like Staples, Office Depot, and OfficeMax. General retailers, department stores, and big-box stores that also sell some office supplies usually don’t qualify for this specific bonus category.
Do office supply purchases through Amazon earn the office supply bonus rate?
Not usually on a card built around traditional office supply stores — Amazon purchases are typically coded separately, which is why a dedicated Amazon-branded business card can be a better fit for businesses that source supplies primarily online.
Can I really buy gift cards at office supply stores to earn 5% back on other spending?
Some cardholders report success using this approach at office supply stores that sell third-party gift cards, since the gift card purchase itself is coded under the office supply merchant category. Results can vary by location and issuer, and this treatment could change at any time.
Do office supply business cards have annual spending caps?
Most do, commonly ranging from $25,000 to $50,000 combined with related categories, after which the rate typically drops to a much lower base rate.
Is it worth getting a dedicated office supply card if my business doesn’t spend much in that category?
Probably not on its own. If office supplies are a small part of your overall spending, a flat-rate or broader multi-category business card is likely to serve you better than optimizing specifically around this one category.
Do office supply purchases count toward building business credit?
Yes, using any business credit card responsibly, including for office supply purchases, and having that activity reported to business credit bureaus can help build your company’s business credit profile over time.
Rates, fees and merchant category classifications are set by the issuing banks and their payment networks, and are subject to change without notice. [Your Site Name] is not a financial advisor; this content is for informational purposes only and should not be taken as financial advice. Please confirm current terms and conditions directly with the issuer before applying for any credit card.