Best Credit Cards for Construction and Contractors of July 2025

Contractor-specific credit card perks are rare. Instead, the best construction credit cards reward common expenses, like gas, while offering additional purchasing power and straightforward spend management.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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Here are the best credit cards for construction businesses

Capital One Spark Cash Plus

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

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

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

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

The American Express Blue Business Cash™ Card

Best for Intro APR + 2% cash back

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

The American Express Blue Business Cash™ Card

Best for Intro APR + 2% cash back

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

Ink Business Cash® Credit Card

Best for Up to 5% cash back + signup bonus

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Best for Up to 5% cash back + signup bonus

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Premier® Credit Card

Best for Flexible financing for big purchases

Annual fee
$195

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Chase's website

Ink Business Premier® Credit Card

Best for Flexible financing for big purchases

Annual fee
$195

Rewards rate
2%-5%

Cashback

Intro offer
$1,000

on Chase's website

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

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

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

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Ramp Card

Best for Corporate card + spend management platform

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Best for Corporate card + spend management platform

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

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: 3.
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 July 15, 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.