Best Credit Cards for Construction and Contractors of July 2025

Best Credit Cards for Construction and Contractors

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	No preset spending limit + unlimited 2% cash back	4.9 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
Pros High rewards rate No preset spending limit No foreign transaction fees New cardholder bonus offer Cons High annual fee Balance must be paid in full every month High spending requirement to hit bonuses Requires excellent credit

The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees	Intro APR + 2% cash back	4.5 /5	$0	1%-2% Cashback	$250	Apply now on American Express' website Rates & Fees
Pros High cash-back bonus rate Intro APR period New cardholder bonus offer Cons Spending caps on bonus rewards Low rate after you hit bonus cap

Ink Business Cash® Credit Card Apply now on Chase's website Rates & Fees	Up to 5% cash back + signup bonus	4.6 /5	$0	1%-5% Cashback	$350	Apply now on Chase's website Rates & Fees
Pros Intro APR period New cardholder bonus offer High reward rate in bonus categories Cons Low rate outside bonus categories Spending caps on bonus rewards

Ink Business Premier® Credit Card Apply now on Chase's website Rates & Fees	Flexible financing for big purchases	4.7 /5	$195	2%-5% Cashback	$1,000	Apply now on Chase's website Rates & Fees
Pros High rewards rate New cardholder bonus offer No foreign transaction fees No reward caps Cons High annual fee Purchases that don't qualify for Flex for Business must be paid in full every month

U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees	Long intro APR + 3% cash back on gas	4.4 /5	$0	1%-5% Cashback	$500	Apply now on U.S. Bank's website Rates & Fees
Pros High cash-back bonus rate No cap on bonus rewards Intro APR period on purchases and balance transfers Reports to Dun & Bradstreet New cardholder bonus offer Cons Low rate outside bonus categories Activity on employee cards does not count toward bonus spending requirement

Ramp Card Apply now on Ramp's website	Corporate card + spend management platform	4.3 /5	$0	1%-1.5% Cashback	$250	Apply now on Ramp's website
Pros No annual fee or foreign transaction fees No personal guarantee or credit check Direct integrations with tools and card-level spending controls Rewards do not expire Card-level spending controls Cons Not available to sole proprietors Rewards rate varies and is determined per customer

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	No preset spending limit + unlimited 2% cash back	4.9 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees	Intro APR + 2% cash back	4.5 /5	$0	1%-2% Cashback	$250	Apply now on American Express' website Rates & Fees
Ink Business Cash® Credit Card Apply now on Chase's website Rates & Fees	Up to 5% cash back + signup bonus	4.6 /5	$0	1%-5% Cashback	$350	Apply now on Chase's website Rates & Fees
Ink Business Premier® Credit Card Apply now on Chase's website Rates & Fees	Flexible financing for big purchases	4.7 /5	$195	2%-5% Cashback	$1,000	Apply now on Chase's website Rates & Fees
U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees	Long intro APR + 3% cash back on gas	4.4 /5	$0	1%-5% Cashback	$500	Apply now on U.S. Bank's website Rates & Fees
Ramp Card Apply now on Ramp's website	Corporate card + spend management platform	4.3 /5	$0	1%-1.5% Cashback	$250	Apply now on Ramp's website

Here are the best credit cards for construction businesses

Capital One Spark Cash Plus

4.9

Best for No preset spending limit + unlimited 2% cash back

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash Plus

Best for No preset spending limit + unlimited 2% cash back

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

The American Express Blue Business Cash™ Card

4.5

Best for Intro APR + 2% cash back

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

on American Express' website

Rates & Fees

Pros

High cash-back bonus rate
Intro APR period
New cardholder bonus offer

Cons

Spending caps on bonus rewards
Low rate after you hit bonus cap

The American Express Blue Business Cash™ Card

Best for Intro APR + 2% cash back

4.5

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

on American Express' website

Rates & Fees

Pros

High cash-back bonus rate
Intro APR period
New cardholder bonus offer

Cons

Spending caps on bonus rewards
Low rate after you hit bonus cap

Ink Business Cash® Credit Card

4.6

Best for Up to 5% cash back + signup bonus

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Ink Business Cash® Credit Card

Best for Up to 5% cash back + signup bonus

4.6

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Ink Business Premier® Credit Card

4.7

Best for Flexible financing for big purchases

Annual fee

$195

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No foreign transaction fees
No reward caps

Cons

High annual fee
Purchases that don't qualify for Flex for Business must be paid in full every month

Ink Business Premier® Credit Card

Best for Flexible financing for big purchases

4.7

Annual fee

$195

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No foreign transaction fees
No reward caps

Cons

High annual fee
Purchases that don't qualify for Flex for Business must be paid in full every month

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4

Best for Long intro APR + 3% cash back on gas

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Long intro APR + 3% cash back on gas

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

Ramp Card

4.3

Best for Corporate card + spend management platform

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Ramp Card

Best for Corporate card + spend management platform

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Other picks: Best credit cards for construction businesses and contractors

The following cared are not available through NerdWallet.Before applying, confirm details on the issuer’s website.

Lowe's Business Rewards Card from American Express

Our pick for: 5% off at Lowe’s + 2% cash back on business expenses

NerdWallet star rating:

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.

Learn more and apply

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.

Notes from card issuers

All information about the Lowe's Business Rewards Card from American Express has been collected independently by NerdWallet.

To view rates and fees of The American Express Blue Business Cash™ Card, see

this page

Last updated on June 23, 2025

Methodology

NerdWallet's business credit card team selects the

best small-business credit cards

without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.

Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus.

Learn how NerdWallet rates small-business credit cards.

Meet the editorial team

Kelsey Sheehy

Senior writer | Small business, personal finance

Kelsey Sheehy is a senior writer and NerdWallet authority on small business. She started at NerdWallet in 2015 and spent six years as a personal finance writer and spokesperson before switching gears to cover the financial decisions and challenges faced by small-business owners. Kelsey’s work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the "Today" show, NBC News and ABC’s "World News Tonight" and has been quoted by the Los Angeles Times, CNBC, American Banker, NPR and Vice, among other publications. Prior to joining NerdWallet, Kelsey covered college (and how to pay for it) for U.S. News & World Report. She is based in Washington, D.C.