6 Best Credit Card for Construction Business

Best Credit Card for Construction Business: If you are running a construction business, you must accept more projects and expand your business portfolio.

If you spend a lot of money on business credit cards, you’ll want to ensure you can handle evolving business needs as your company grows.

Many expenses are also there in the construction business. You must include the extra rewards and benefits if you make all the business expenses with Simple Credit Cards. You must choose the right Business Credit Card for your construction company.

So, in this article, we will discuss the best construction business credit cards that will give you maximum benefits.

Let’s discuss this in detail!

Best Credit Card for Construction Business

Why it is important to have a Construction Business Credit Card

High cash flow is required in the construction business to manage raw materials inventory, pay employee wages, rent equipment, buy required equipment, and have the right licenses and permits.

A construction business credit card gives you flexible finance terms, a good credit range, best rewards, and perks.

Getting a 1% or 2% reward on every purchase greatly affects your savings. And you have to spend on your regular purchases, labor and lumber, and travel expenses, and you will get good rewards.

Here are the Best Construction Business Credit Cards

Overall Best Credit Card

Ink Business Unlimited® Credit Card

The Ink Business Unlimited Credit Card is the top choice for business owners because the card offers uncapped 1.5% cash back with no annual fee.

Ink Business Unlimited® Credit Card

The card is also very simple; business owners can easily use it without any hurdles. 

With major benefits and simplicity, the Ink Business Ultimate Credit Card might be your best option. The card comes with zero annual Fee and a 1.5% flat cashback rate, and no extra frills options that business owners don’t have to think extra about the card.

The Ink Business Unlimited Credit Card offers 0% intro APR on purchase for 12 months and, afterward, variable APR of 18.24% to 24.24%.


  • Get cash back of 1.5% on all your business purchases.
  • Zero annual Fee
  • Get 0% APR on your purchases for up to 12 months; afterward, 18.24% – 24.24% APR will be charged.
  • Get free employee cards.
  • Good regards and perks


The card charges a 3% foreign transaction fee.

Major Benefits

  • Get a 0% introductory APR offer for the first 12 months.
  • You can earn a $750 bonus if you spend $6,000 in the first 3 months of the card activation.
  • Offers 1.5% cash back on your every construction business purchase
  • Zero Annual Fee
  • With the help of Chase Ultimate Rewards, you can redeem rewards for travel, gift cards, and cashback.
  • If your employee has a credit card, the employee card can also earn rewards and benefits.
  • You can monitor all the transactions made for business use.
  • You will get zero credit card lost liability and won’t be responsible for unauthorized transactions made from your credit card.

Almost every business admires the Ink Business Unlimited Card for its best cashback offers.

When you successfully opt for the credit card, you will get a huge welcome offer of 1.5% cash back on all your business purchases. And the most amazing thing is the card has no capping or annual fees.

You will also get an option to convert your 1.5% cash back to 1.5x ultimate reward points. By doing this, you can double your returns — you will get a 3% return instead of 1.5%; the value of 1 Ultimate Rewards point will be 2 cents.

The Ink Business Unlimited Chase Credit Card offers extra benefits like purchase protection, car insurance, zero credit card lost liability, extended warranty, and zero fees for card employees.

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Why Chase Ultimate Rewards Are More Valuable

Chase Ultimate Rewards are more valuable than the Capital One Mile, but when we compare them with the Amex Membership Rewards, they are less valuable.

Suppose you have other business credit cards and earn rewards points, like Ink Business Preferred Credit Card or the Chase Sapphire Preferred card. You can convert your basic rewards to Ultimate Rewards points.

And you can use the Ultimate Rewards points for luxury travel on Singapore Airlines, first class, with the help of Chase transfer partners. 

Best for Low APR & Rewards

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

This U.S. Bank Business Triple Cash Rewards World Elite Mastercard is best for small business owners and offers good rewards with no annual fee. Here are the basic details of the credit card, which will help you decide if it’s a good fit for your business.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

Welcome Offer: The card gives you $500 in cash back if you spend $4,500 in the first 150 days from the activation date.

Best Offers: You will get 3% cash back on all eligible categories, like office supplies, gas stations, cell phone expenses, restaurants, and E.V. charging stations. And 1% cash back on all other categories. The card has an unlimited cashback system; there is no capping system, and your cashback rewards never expire.

The credit card gives you the best offers on recurring software expenses; you can get credit statements up to $100 benefits on subscriptions to QuickBooks and FreshBooks. This credit card comes with zero annual fees, and the $100 credit statement alone makes this credit card awesome for your business.

Major Benefits of World Elite Mastercard

  • You will get 3 months complimentary DoorDash DashPass subscription and $5 off on 2 orders every month.
  • Get up to 5% cash back on HelloFresh orders.
  • You will get a 5% Lyft credit once a month after 3 rides every month.
  • Get free membership of ShopRunner and 2-day free shipping.
  • The U.S. bank offers I.D. Theft Protection and Zero credit card loss liability.
  • The card offers phone theft protection and covers $1000 yearly repairs expenses when your mobile phone is paid with your Triple Cash Mastercard.


  • Zero annual Fee
  • Get 0% intro APR on your purchases.
  • Get 0% intro APR on balance transfers.
  • Offers excellent reward rate


  • Charge for a balance transfer
  • Regular APR is high
  • Has foreign transaction fee
  • Must have a good or excellent credit score

If you want to give credit cards to your employees, you can give them without paying an extra fee. But the expenses done by the employee will not count toward the minimum spend requirement for the welcome bonus. And before making any foreign transaction keep in mind that the card charges a 3% foreign transaction fee, so if you do a lot of foreign transactions for your business, it is better to opt for another credit card.

Best for Cash Rewards

The Business Platinum Card® from American Express

For business owners who travel frequently and want to enjoy luxury travel, then the Amex Business Platinum Credit Card is best for business owners.

Annual Fee$695
APR19.49% – 27.49% Variable
Credit RecommendedGood to Excellent (670-850)
Business Platinum Card® from American Express Details

Amex Business Platinum Credit Card is a luxurious premium travel rewards credit card specially designed for business owners who travel with expenses.

The card gives you premium lounge access at over 1,400 lounges worldwide. With many annual credits, this credit card is a top choice for frequent traveling business owners.


  • Get 5x Membership Rewards points on each $1 spent at prepaid hotels and flights at Amex Travel.
  • Get annual airline credit of $200 on a specific qualifying airline.
  • Get statement credit on a particular purchase with your AMEX card.
  • If you pay with points, you will get a 35% airline bonus (you can earn 1,000,000 bonus points yearly)
  • Get access to up to 1,400 airport lounges worldwide.
  • Get TSA OreCheck of Global Entry application fee credit.
  • The AMEX card offers 50% more membership reward points on specific categories (1.5 points per $1).
  • You will also get access to Amex’s Fine Resorts and Hotel program.


The annual fees of AMEX plus if high of $695

Welcome Bonus & Info

  • If you spend %15,000 on the eligible purchases in the first 3 months of card activation, you will receive 1,20,000 Membership Rewards points.
  • Get up to 5x membership rewards points on prepaid hotels and flights via Amextravel.com and 1x points for each $1 spent on all other purchases.
  • The card offers 1.5x points for every eligible purchase for hardware supplies, U.S. construction materials, software and cloud system providers, electronic retailers, and shipping providers if you purchase $5,000 or more and up to $2 million of these purchases annually.
  • You can get a $1,000 annual statement credit if you purchase with Indeed, Adobe, U.S. wireless service providers, and Dell Technologies.
  • Get a $200 Airline Fee Credit per calendar, which can be used for extra ticket charges and other selected categories.
  • You will get $189 in statement credit yearly on CLEAR Plus Membership.
  • Get complimentary lounge access at 1,400 airports in 140 countries.
  • The card comes with an annual fee of $695

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Best for Flat Rewards Rate

PNC Points Visa® Business Credit Card

The PNC Points Visa Business Credit Card is the upgraded version of the PNC Points Credit Card.

The business Credit Card offers 5x reward points per $1 spent, excluding these categories: gist cards, purchase with a check, cash advance, and balance transfers.

PNC Points Visa® Business Credit Card

If you opt for the PNC Points Business Credit Card, you can earn good reward points compared to other credit cards. This credit card is helpful for business owners, and if you take it for daily use, you should avoid it.

And yes, the business credit card has great features and benefits that help to grow your business. You will get features like adding and removing employee cards, and you can set individual employees spending limits, manage all the transactions, and integrate with QuickBooks.


Get 5x reward points on every $1 spent, but this is only on specific categories.

You will earn rewards like gift cards, cash back, and travel benefits.

You will also get an option to combine your business and personal reward points; you can earn more rewards.

APR on Purchases

Get 0% intro APR for the first 9 months, then 15.99% – 24.99% APR will be charged.

Balance Transfer

Get 0% intro APR on balance transfers for up to 9 months; afterward, 15.99% – 24.99% APR will be charged.

The balance transfer fee is 3% of the transfer amount (min $5)


  • Zero annual fees
  • Get 0% intro APR on your purchases
  • Get 0% intro APR on balance transfers
  • Get excellent rewards and offers


  • No welcome bonus
  • A 3% balance transfer fee is high
  • Charges foreign transaction fee
  • You must have a good or excellent credit score

PNC Points Visa® Business Credit Card’s Additional Info

You will get 0% intro APR on balance transfers for the first 3 months of account opening.

Get credit cards for new employees at no cost and get access to control the spending limits of each employee.

Overdraft protection is also offered.

On your purchases, you will get extended purchase protection.

Best for New Businesses

Capital One Spark Miles for Business

The Capital One Spart Miles Credit Card has no annual fees for the first year; afterward, $95 will be charged annually. You will earn 2x transferable miles on every $1 spent.

Capital One Spark Miles for Business
Welcome Offer50,000 miles
UP’s Bonus Valuation*$900
Annual Fee$0 intro for the first year, $95 after that
APR25.99% Variable
Credit RecommendedGood to Excellent (670-850)
Capital One Spark Miles for Business Details

The Capital One Spark Miles Credit Card offers a straightforward reward system that enables 2x miles on every purchase. That’s why most business owners prefer the Capital One Spart Miles Credit Card, which has a very low annual fee.


  • Get 2x reward miles on $1 spent on all expenses.
  • If you spend $1 on rental cars and hotels, you will get 5x miles.
  • Get 2 complimentary lounge access every year.
  • Get a credit of $100 for Global Entry or TSA PreCheck.
  • Get easy access to Capital One transfer partners.
  • There is no foreign transaction fee.
  • Get free employee cards.
  • Get extended warranty coverage.


The first-year annual Fee is zero. Afterward, afterward, $95 is charged.

Main Features

  • If you spend $4.500 on your purchase in the first month of card activation, you will get a bonus of 50,000 miles, equal to $500 in travel.
  • The card gives you 2x miles per $1 spent on all purchases, and there is no limitation and expiry of the reward miles.
  • Get 5x miles on rental cars and hotels with the Capital One Travel Credit Card.
  • You can easily transfer miles to 15+ travel loyalty programs.
  • The redemption system is simple and quick; you can use the rewards for travel-related purchases, flights, and hotel services.
  • The card also provides air travel security with one credit statement for a $100 Global Entry application fee of $85 TSA PreCheck application fee.
  • The first-year annual Fee is zero; afterward, $95 is charged.
  • The employee credit cards can also earn 2x miles on their purchases.

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The Capital One Spart Miles Credit Card is best for those who want rewards in every category. 

Everybody wants a welcome offer on the credit card, but this credit card gives 2x miles on every $1 spent. That is the most amazing thing that you are getting rewards in every category. 

If you book your hotels and rental cars with a Capital One Travel card, you will get 5x miles. 

And you can also utilize a $100 TSA PreCeheck/Global Entry application fee credit.

The Capital One Spark Miles Credit Card gives all the best offers like zero fraud liability; you can create virtual card numbers, 2 complimentary lounge access, an extended warranty, no employee card fees, and zero foreign transaction fee.

Why Capital One Miles Credit Card is Amazing

The mile of Capital One Credit Card is very similar to American Express Membership Rewards. 

The miles of Capital One Credit Card are less worthy than the American Express Membership Rewards. And this is because of a less comprehensive list of transfer partners.

The best way to use the Capital Once Miles Credit Card is to transfer to airline and hotel partners and enjoy the services.

Best for Lowe’s Purchases

Lowe’s Business Credit Card

The Lowe’s Business Credit Card comes with zero annual fees and offers 5% discounts on lumber, tools, and many other items purchased at Lowe’s store. You will also get great discounts on wireless services, office supplies, restaurants, etc.

Lowe's Business Credit Card
Annual Fee$0
RewardsGet $100 cash back upon approval
APR on Purchases20.99% – 29.99% (V)
Balance TransferNot Allowed
Lowe’s Business Credit Card Details


  • Zero annual Fee
  • Get 0% APR for the starting 6 months; afterward, a variable APR of 15.74% to 24.74% will be charged.
  • Get a 5% discount on Lowe’s products.
  • Get 3x regards on official supply stores, wireless services, and restaurants. And 2x points at Lowe’s and 1x rewards at all other purchases.
  • Easy to redeem points for Amex gift cards or Lowe’s
  • Get access to all Lowe’s ProServices.

If you think more than a 5% discount and reward points are needed, the ProServices of Lowe’s will surprise you. With the help of ProServices, you will be eligible for discounted deliveries, Lowe’s Business Replenishment Program, and bulk rate pricing.

  • Get 5 regards points on every purchase at Lowe’s for the first 6 months. 
  • Get 2 points per $1 spent for office supply stores in the U.S., U.S. restaurants, and wireless telephone services purchases.
  • Get 2x points per $1 spent at Lowes.com and Lowe’s stores and 1 reward point for all other purchases.
  • Get 5% off on all eligible purchases at Lowes.com, Lowe’s stores, and Lowesforpros.com.
  • The business rewards points of Lowe’s can be easily redeemed against gift cards and statement credits.

Lowe’s Business Credit Card Pros & Cons


  • Zero annual fees
  • Good reward rate
  • Get an initial bonus of $100


  • There is no intro APR on purchases
  • A balance transfer is not allowed
  • Charges foreign transaction fee
  • You must have a good or excellent credit score

Final Thoughts

Running a construction business is tough because of its complex tasks. The owner must pay labor wages on time, maintain a stock inventory of raw materials, etc.

All the things of a construction business can be managed very easily if you have the right construction business credit card. You can run your construction business in a very smooth way with the right business credit card.

Amex Business Platinum Credit Card is top for the best rewards and benefits. Amex card gives amazing rewards, extra benefits, and no limits on spending.

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Which credit card is best for a construction business?

The best credit card for a construction business is the Amex Business Platinum Credit Card. Because this credit card offers amazing rewards and benefits, and no spending limits exist.

Which credit card is best for an Independent contractor?

The independent contractor can apply for Ink Business Credit Card or AmexBusiness Platinum Credit Card if the independent contractor is a sole proprietor.

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