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Best Credit Cards for Construction Businesses of February 2023

By Kelsey Sheehy
Last updated on February 2, 2023
Edited byRyan Lane

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The best construction business credit cards offer a combo of flexibility and rewards. Who has time to navigate rotating bonus categories while managing multiple job sites? Straightforward rewards and flexible payment terms, like no interest for the first year, can help construction companies and contractors manage irregular cash flow.
Cash in on everyday purchases. Small-business credit cards rarely offer construction-specific perks, so look for a card that gives you cash back on a wide range of business expenses, including office supplies, wireless phone service and restaurants.
Some of our selections for the best construction business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Featured Partner 

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Our Nerdy picks for

Up to 5% cash back plus signup bonus

Ink Business Cash® Credit Card

2% cash back and free employee cards

Capital One Spark Cash Plus

Flexible financing for construction projects

The Plum Card® from American Express

Here are 4 best credit card for construction from our partners

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Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

American Express Blue Business Cash™ Card

Apply now

on American Express' website

5.0/5

Best for Intro APR and 2% cash back

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back plus signup bonus

$0

1%-5%

Cashback

$900

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for 2% cash back and free employee cards

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

The Plum Card® from American Express

Apply now

on American Express' website

2.1/5

Best for Flexible financing for construction projects

$250

1.5%

Cashback

$0

Apply now

on American Express' website

Rates & Fees

Our pick for

Intro APR and 2% cash back

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

American Express Blue Business Cash™ Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

American Express Blue Business Cash™ Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

Our pick for

Up to 5% cash back plus signup bonus

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Our pick for

2% cash back and free employee cards

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)

Pros

  • Earns cash back on primary and employee cards
  • Rewards don’t expire
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)

Pros

  • Earns cash back on primary and employee cards
  • Rewards don’t expire
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)

Pros

  • Earns cash back on primary and employee cards
  • Rewards don’t expire
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee

Our pick for

Flexible financing for construction projects

The Plum Card® from American Express

2.1
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$250
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No foreign transaction fees
  • No reward caps

Cons

  • Has annual fee
  • No bonus offer
  • Complicated rewards

The Plum Card® from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

2.1/5
Apply now

on American Express' website

Annual fee
$250
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No foreign transaction fees
  • No reward caps

Cons

  • Has annual fee
  • No bonus offer
  • Complicated rewards

The Plum Card® from American Express

2.1
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$250
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

The Plum Card® from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

2.1/5
Apply now

on American Express' website

Annual fee
$250
Rewards rate
1.5% Cashback
Intro offer
$0
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No foreign transaction fees
  • No reward caps

Cons

  • Has annual fee
  • No bonus offer
  • Complicated rewards

FULL LIST OF EDITORIAL PICKS: BEST BUSINESS CREDIT CARDS FOR CONSTRUCTION BUSINESSES

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Intro APR and 2% cash back
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. And you can earn an extra welcome bonus, and qualify for an annual bonus, if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Learn more and apply.
Our pick for: Up to 5% cash back plus signup bonus
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Learn more and apply.
Our pick for: 2% cash back and free employee cards
The
Capital One Spark Cash for Business
is an excellent option for business operators whose expenses are all over the map and don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. There's a great sign-up bonus offer, too. Read our review.
Our pick for: Flexible financing for construction projects
Businesses with high working capital needs but sometimes inconsistent cash flow might find
The Plum Card® from American Express
 a perfect fit. Pay early and get a discount, or enjoy up to 60 days without interest. Terms apply. There's a substantial annual fee, but if you're using the card for, say, big inventory purchases, the benefits could far outweigh the costs. Read our review.
Our pick for: 5% off at Lowe’s and 2% cash back on business expenses
The
Lowe's Business Rewards Card from American Express
is a great option for contractors who rely on the home improvement store for the bulk of their materials. The card offers an upfront discount on all eligible Lowe's purchases, as well as up to 2% cash back on other business expenses, such as office supplies and cell phone service.

Alternative financing options for construction businesses

Flex your purchase power wisely. Don’t use a construction business credit card to finance large purchases, such as machinery, unless you’re in a position to pay the balance off quickly. The interest charges will hit your bottom line, and your credit score will be dinged for using up your available credit.
Instead, use your business credit card for everyday expenses and items you can pay off within the 0% APR period (if your card has one). And look to small-business loans to fund more substantial purchases.
  • Business line of credit: Lines of credit are similar to business credit cards — you can draw from either as needed, up to a set credit limit. Business lines of credit may offer more funding than even the highest-limit business credit cards — up to $250,000 or more — and often at lower interest rates. But you won’t earn perks like cash back or have your interest waived for any period of time. Business owners can tap into a line of credit to smooth out the dips and dives in their regular cash flow.
  • Equipment financing: You can use an equipment loan to purchase everything from office equipment to construction machinery to heavy-duty vehicles. Equipment loans typically carry an interest rate of 8% to 30%, making them a more affordable option for financing machinery purchases, especially if you have a FICO credit score of 630 or higher.
  • Home Depot project loan: Construction contractors can use this short-term loan to finance materials purchases for a given project, provided those items are purchased from Home Depot. You can borrow up to $55,000 and take up to six months to buy everything you need. Interest rates vary by loan size and term, ranging from 7.42% APR to 19.96% APR as of this writing.
All information about the Lowe's Business Rewards Card from American Express has been collected independently by NerdWallet. The Lowe's Business Rewards Card from American Express is no longer available through NerdWallet.
Last updated on February 2, 2023

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.