6 Best Credit Card for Real Estate Agents for 2024

Best credit card for real estate agents: If you are a Real Estate Agent, a good credit card can help you a lot, manage all your basic expenses, and get rewards and benefits. The right credit card will help you maintain a good business cash flow. We have researched the best credit cards for Real Estate Agents and found some with low APR and fees. 

We have selected the best Real Estate Credit Cards based on various factors like fees, welcome offers, and reviews. Here are the 6 best credit cards for real estate agents that will help you to grow your business to the next level.

6 Best Credit Card for Real Estate Agents

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

U.S. Bank Business Triple Cash Rewards World Elite

This credit card gives you cash back on all your eligible business expenses. 

Regular APR: 19.24% – 28.24% (Variable)

Annual Fee: $0

Credit Needed: Excellent/Good

  • If you spend $4,500 in the first 150 days of card activation, you can get a cashback of $500.
  • Get 5% cash back on rental cars, prepaid hotels.
  • You will get 3% cash back at EV charging stations, gas stations, mobile phone services, restaurants, and office supply stores.
  • And get 1% cash back on all other eligible categories.
  • You can earn unlimited cash back with this credit card.
  • And the amazing thing is the rewards never get expired.
  • Get a $100 annual credit statement for a recurring software subscription for Quickbooks and FreshBooks.
  • Get 0% intro APR on your purchase or balance transfer for the first 15 billing cycles. Afterward, 19.24% – 28.24% variable APR will be charged.
  • The card comes with zero annual fee.
  • With this credit card, you can split your eligible purchases of $100+ into equal monthly installments with U.S. Bank ExtentPay Plan.

Pros

  • Get 0% APR for the first 15 months on your purchase and balance transfers.
  • Unlimited cash back and reards
  • No expiry of the rewards
  • Zero annual fees for the card

Cons

  • No intro APR for cash advances

Why you should consider this credit card: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard offers 5% cash back and 0% introductory APR offer for the first 15 billing cycles. You can also make big purchases with this credit card, split the payment, and pay monthly. 

Major Benefits

  • Unlimited rewards: Get unlimited rewards with no expiry date
    • Get 5% cash back on rental cars and prepaid hotels directly in the Travel Rewards Center.
    • Get 3% cash back at restaurants, gas stations, cell phone services, and gas stations.
    • And 1% cash back on all other eligible categories
  • Sign-up bonus: As a sign-up bonus, you will get a cashback of $500 if you spend $4,500 in the first 150 days of the card activation.
  • Annual software credit: You will get a good software subscription statement credit of $100, such as QuickBooks, FreshBooks, and for real estate needs.
  • No annual fee: The amazing thing is the credit card has no annual fee
  • ExtendPay® Plan feature: With the help of this feature, you can easily split your big purchase amount in easy monthly installments.

2. Capital One Spark Miles for Business

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is the best credit card for Travel rewards for small business owners.

Welcome Bonus: The Spark Miles Business Credit Card offers a one-time bonus of 50,000 miles, equal to $500 in travel, if you spend $4,500 in the first 3 months of the card activation.

Earning Miles: Here is a simple structure of earning Spark Miles: 

  • Get 5 miles per $1 spent on rental cars and hotels booked via Capital One Travel.
  • Get 2 miles per $1 spent on your every purchase.

The best thing is you can earn unlimited miles, and there is no expiry of the reward miles.

Annual Fee: The Spark Miles Credit Card comes with a $0 annual fee for the first year; after that, $95 will be charged.  

This makes the credit card risk-free, and you get extra benefits and regards that worth the minimum renewal fee.

Major Benefits

  • If you spend $4,500 on purchases in the first 3 months of card activation, you will get 50,000 reward miles, equal to $500 in travel
  • Get unlimited 5x miles on rental cars and hotel booking via Capital One Travel
  • Get 2x reward miles on your every purchase
  • Get TSA PreCheck and Global Entry Credit
  • Zero foreign transaction fees
  • Zero annual fees for the first year, $95 after that
  • Get an unlimited employee card with unlimited 2x miles on their purchases

The best thing about the Capital One Spark Miles Credit Card is you will get 5x regards miles on rental cars and hotel bookings via Capital One Travel. And 2x reward miles per $1 spent on other categories, and these miles can be transferred to Capital One’s Hotel and Airline Partners.

Pros

  • The first-year annual fee is waived.
  • Best and simple reward rate
  • Get credit statements for TSA PreCheck and Global Entry.
  • And the miles redemption options are flexible. 

Cons

  • Other credit cards have higher benefits.

Account Management Tools

  • Free Employee Cards – You can easily add some employees and permit them to monitor the spending limits and daily credit card transactions.
  • Easy Accounting – The best way to monitor all your transactions and can export in various formats like Quicken, Quickbooks, and Excel. 
  • Account And Business Management Tools –You can easily automate your payments and billings, create financial reports, set alerts, etc.

» MORE: Cardis Credit Card – $0 Annual Fee

3. Ink Business Premier Credit Card

The Ink Business Premier Credit Card has an annual fee of $195.

If you spend $10,000 on your purchase in the first 3 months of the card activation, you will get a $1,000 bonus cashback.

And get unlimited 2.5% total cash back on purchases of $5,000 or more; for less spending, get 2% cash back on all other business expenses.

Travel Benefits: Purchase via Chase Ultimate Rewards and get unlimited 5% total cash back. The card charge no foreign transaction fee and get travel insurance coverage.

Best Rewards: The reward redemption process is very simple, and no charge for the redemption of rewards for gift cards, travel, and cash back through Chase Ultimate Rewards.

APR on Purchases: 19.24% – 27.24% (V)

Balance Transfer: Balance Transfers Not Allowed

Pros

  • High Reward Rate
  • $1,000 initial rewards bonus
  • No foreign fee

Cons

  • Membership fees if high
  • You must have a good to excellent credit score

Business owners who use to pay their balance in full every month, then you will automatically get increased spending power, premium benefits, and more rewards.

Get in-built card protections like zero liability protection, fraud protection, mobile phone protection, and extended warranty protection.

Get additional free employee credit cards for your employees and monitor all the expenses with the help of digital tools.

4. Chase Ink Business Preferred®: 

If you need a high credit limit and want to use it for online advertising, then the Chase Ink Business Preferred credit card is best for you.

Regular APR: 20.99% – 25.99% Variable

Annual Fee: $95

Credit Needed: Good, Excellent

  • You can earn up to 100k bonus points if you spend $8,000 on your purchase in the first 3 months of card activation.
  • And these 100k rewards point equals $1,000 cash back or $1,250 towards travel when you redeem via Chase Ultimate Rewards.
  • Get 3 points per $1 for the first $150,000 spent on travel and account anniversary year. And get 1 point per $1 spent on all other expenses.
  • Get monitoring updates for any unusual credit card transactions.
  • Get zero liability for any unauthorized transaction made with your credit card.
  • Your rewards points always stay valid-expire; deem them for any gift cards, cash back, and travel.
  • Reward points are more valuable when you redeem through Chase Ultimate Rewards.
  • If you purchase any new item, you will get a purchase protection of 120 days and theft protection of up to $10,000 per claim.

Pros

  • The reward points are worth you redeem for travel via Chase Ultimate Rewards.
  • Get travel insurance and purchase protection.
  • Zero foreign transaction fee

Cons

No Intro APR for purchase and balance transfers

Use the Chase Ink Business Preferred Card if you need a high credit limit card. And you can also earn good rewards like 3x points per $1 on the first $150,000 spent annually on different categories. The spending categories are social media, cable, mobile, internet, shipping, advertising, and travel. 

And if your maximum expenses are for online advertising, this credit card saves a huge amount.

Major Benefits of Chase Ink Business Preferred Card

  • Ongoing rewards: Get 1x rewards points after the $150,000 spent in the selected categories.
  • Sign-up bonus: Spend $8,000 in the first 3 months and get 100k bonus points, and these points are equal to $1,000 cash back.
  • Flexible redemption options: You can easily redeem your rewards for travel, gift cards, and cash back through Chase Ultimate Rewards.
  • Low annual fee: You have to pay only $95 as an annual fee and enjoy the perks and benefits.
  • No foreign transaction fee: If you want to make any international transaction, you can do without paying any extra fees.

» MORE: Best Credit Card for Truck Drivers

5. Ink Business Cash Credit Card

The Ink Business Chase Credit Card is also a good choice for its zero annual fee. And this card also comes in the category of best credit card for real estate agents. You can get 5% or 2% cash back on select bonus categories. These bonus points can help you to save more.

You can earn 5% cash on your first $25,000 spending at different categories like office supply stores, internet, cable providers, and mobile.

And get 2% cash back on these categories like restaurants and gas stations.

On all other expenses, you will get unlimited 1% cash back.

There is only one drawback of this credit card is that you will not get bonus points on your advertising purchases. If you spend the maximum amount on online advertisement, you must consider other credit cards.

You can easily redeem your gift cards, travel, and cashback reward points. It depends on your chosen option; each reward point is worth 1 cent.  

If you spend $6,000 in the first 3 months of the card activation, you will get bonus cash back of $750.

Pros

  • Get an initial bonus of $750.
  • Get 1% – 5% cash back on your purchases
  • Zero annual fee
  • Get low intro APR of 18.24% -24.24% (V)

Cons

  • Charges 3% foreign transaction fee

Main Cash Rewards

Get a bonus of $750 bonus cash back if you spend $6,000 in the first 3 months of card activation. 

Get 5% cash back on your first spend of $25,000 purchased at different categories like cable, mobile services, and office supply stores each account anniversary year. 

You can earn 2% cash back on the first $25,000 spent combined purchase at restaurants, gas stations each account anniversary year. And get 1% cash back on all other purchases.

The reward redemption is also very easy, and you can get cash back and travel through Chase Ultimate Rewards. 

6. American Express® Business Gold Card

The American Express Business Gold Card is best for those who want to earn good membership rewards points from business spending.

The annual fee of this credit card is $295, and you can earn 4x rewards points on purchases up to $150,000 combined purchase per year in only 2 selected spending categories. The purchase includes U.S. advertising, U.S. cloud, software, airfare, U.S. gas, U.S. dining, and hardware.

Major Benefits

  • You can earn 70,000 Membership Rewards points if you spend $10,000 on eligible purchases in the first 3 months of card activation.
  • Get 4x reward points in your top two business categories (the maximum purchase is up to $150,000 per calendar year)
  • Zero Foreign Transaction Fee
  • The card charges an annual fee of $295

Get 25% points back if you use points for the eligible flight booking with Amex Travel, and get up to 250,000 points back per calendar year.

Pros

  • Get a high reward rate
  • Get a welcome offer of 70,000 points
  • Zero foreign transaction fee

Cons

The annual fee is high 

Capping on spending rewards

» MORE: Michaels Credit Card Review

Bottom Line

Choosing the right credit card for your real estate business depends on your needs. There are different types of credit, and you can select anyone who fulfills your basic needs. You must check the annual fees, regards, and benefits, finalize the credit card and apply for it. Hope you will find the right credit card for your business.

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