The 9 Best Business Credit Cards for Computer Purchases [2024]

Making a large purchase usually involves some level of research to find the best deal and to ensure the item or service adequately meets your business needs. Although possibly just an afterthought, earning rewards on that purchase could also make any deal that much sweeter.

But finding the right business card to facilitate a large purchase, and in the process earn as many rewards as possible, can also involve some research.

Today we’re setting out to help you with that. We’re here to assist you in finding the best business credit cards for a specific type of purchase critical to any business — computer equipment and software.

We’ll talk about utilizing bonus earning purchase categories, seeking out specific retailers that offer elevated earnings, product protection considerations, and other card attributes that present additional reward-earning opportunities.

Let’s cut quickly to the chase and explore some of the best cards for purchasing computer hardware and software.

The Best Business Credit Cards for Computer Purchases [Hardware & Software] — Overview

Before we review the best cards for purchasing computer hardware and software in detail, here’s an overview of how the cards stack up.

Note that not all benefits and card features are listed in the above summary. Terms and conditions also apply. Be sure to review current benefit offerings and fee schedules prior to applying for any card.

Best Business Credit Cards for Computer Bonus-Earning Categories

Whether you’re looking for cash-back or redeemable points, finding a card that will earn rewards on your computer purchases takes some forethought.

Here are some business cards you might consider that offer bonus earnings on computer hardware and/or software purchases.

American Express^® Business Gold Card

Terms Apply / Rates & Fees

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex’s secure site)

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

UP’s Bonus Valuation*:

$1,540

APR

19.49% – 28.49% Variable

Good to Excellent (670-850)

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Card Highlights

• Welcome Offer: Earn 70,000 Membership Rewards^® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards^® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Financial Snapshot

• APR: 19.49% – 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Why We Like the Card for Computer Purchases

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

The card also earns 3x points on flights and prepaid hotels through AmexTravel.com and 1x on all other purchases.

Huntington Voice Business Credit Card℠

While not a popular mainstream business credit card, the Huntington Voice Business card is worth checking out as it charges no annual fee and comes with quarterly cash-back bonus earnings. 

Why We Like the Card for Computer Purchases

Earn 4% cash-back on up to $7,000 each calendar quarter in 1 of 10 bonus categories. These categories include retailers where you could purchase computer hardware or software, including office supply stores and electronic, computer, and camera stores.

Additional 4% cash-back earning categories include gas stations, travel/entertainment, restaurants, discount warehouse stores, grocery stores, department stores, home improvement, and auto parts/service stores.

Bottom Line: Very few credit cards have computer hardware or software as a bonus earning category, but the Amex Business Gold card is one of the best business cards for purchases in this category. 

Best Business Credit Cards for Purchasing From Select Retailers

While it may be difficult to find a business credit card that has computer hardware/software as a specific bonus category, there are plenty of additional ways to earn rewards on your computer purchases.

One way is to purchase your computer hardware/software at a bonus-category retailer. Let’s look at a few cards that offer bonus earnings or statement credits for purchases at specific retailers.

Best for Office Supply Stores

Ink Business Cash^® Credit Card

We’ll talk more about the Ink Business Cash card shortly, but know for now that it offers 5% cash-back earnings at office supply stores, up to $25,000 each card anniversary year.

U.S. Bank Business Cash Rewards World Elite™ Mastercard^®

With unlimited 3% cash-back earnings at office supply stores, you’ll earn big if you’re purchasing your computer hardware/software from one of these stores. The card also earns 3% cash-back on cellular services and at gas stations.

Amex Business Gold Card

The Amex Business Gold card comes with up to $240 in annual statement credits ($20 monthly) for eligible purchases at office supply stores, FedEx, and Grubhub (enrollment required).

Best for Dell Technologies and Large Purchases

The Business Platinum Card^® from American Express

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Why We Like the Card for Computer Purchases

Receive up to $400 in statement credits each year ($200 semi-annually) for Dell purchases.

In addition to the card’s Dell Technologies statement credits, the Amex Business Platinum card earns 1.5x earnings on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year). There is no action required on your part — the elevated earnings are automatic.

Check out the best cards we recommend for large purchases for several more appropriate card recommendations.

Bottom Line: Consider bonus-category retailers and/or using a business card that offers unlimited earnings to maximize earning rewards on your computer hardware or software purchase. 

Best Business Credit Cards for Product Protection

Several business cards come with product protection in the form of purchase protection and/or extended warranty coverage. However, the best business credit cards have product protection limits of up to $10,000 per eligible item. Here are some of the best business cards to consider that offer these coverages with higher limits.

Purchase Protection

Purchase protection provides coverage for an eligible item for theft, damage, or accidental loss, for a specified period after the purchase date. While most computers are eligible for coverage, computer software is normally excluded.

For more information on the best cards that carry purchase protection coverage and how it works, check out our overview on the subject.

Extended Warranty

Eligible items that come with a manufacturer’s warranty may qualify for the extended warranty coverage that comes on several business cards. Here are some examples of cards that offer the benefit.

Any of these cards allow you to pay for the item in full, partially, or with rewards points earned on the card, to receive coverage.

Be sure to review the terms and conditions of these coverages in the specific card’s guide to benefits as computer software may be excluded and computer hardware coverage could be limited.

To learn more about the best cards that come with extended warranty coverage, visit our informative article.

Bottom Line: Several business cards come with ancillary coverage for your computers such as purchase protection and extended warranty coverage. To find out if your card has these protections, you can access the Guide to Benefits that came with your card, find the guide digitally via your online card account, or call the number on the back of your card. 

Best Business Credit Cards for Introductory 0% APR on Purchases

Charging a large computer purchase and not being able to pay off the amount in full when your card statement closes will cause you to incur high-interest charges and negate any rewards you may have earned.

Using a 0 interest business credit card will allow you to pay back that purchase over time without being charged interest — a feature that could potentially save you hundreds of dollars.

Here are some examples of business cards that offer this money-saving feature.

Ink Business Cash Card

UP TO $750 BACK

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase’s secure site)

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

UP’s Bonus Valuation*:

Up to $750

APR

0% intro APR on purchases for 12 months; 18.49% – 24.49% variable thereafter.

Good to Excellent (670-850)

Card Highlights

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 18.49% – 24.49% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase’s secure site)

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

UP’s Bonus Valuation*:

$750

APR

0% intro APR on purchases for 12 months; variable 18.49% – 24.49% thereafter

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% – 24.49% thereafter

Why We Like the Cards for Computer Purchases

With either of these Chase business credit cards, you can take your time paying off the purchase as the cards offer an introductory 0% APR period on purchases for 12 months after card approval.

Both cards earn valuable Ultimate Rewards points on every purchase that can be redeemed for 1 cent each as a statement credit.

Points can also be transferred to premium Chase cards such as the Ink Business Preferred card, Chase Sapphire Preferred^® Card, or Chase Sapphire Reserve^® where you can receive up to 50% more in value when redeemed for travel. Points can also then be transferred to Chase travel partners for even greater potential value.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex’s secure site)

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%

Good to Excellent (670-850)

Card Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
• No Annual Fee
• Terms Apply

Financial Snapshot

• APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Why We Like the Card for Computer Purchases

The card comes with an introductory 0% APR period for 12 months after card approval, with regular APR (as shown in the table above) applied after the introductory period. Plus, you’ll earn 2% cash-back on your computer purchase (and every other purchase) up to a maximum of $50,000 in purchases each year. After that, you earn a straightforward 1% cash-back.

Lastly, cash back earned is automatically credited to your statement so there is no need to remember to redeem your cash-back.

Bottom Line: Utilizing a business card with an introductory 0% APR period for your computer hardware/software purchase can allow you more time to pay back the purchase without incurring interest charges. You’ll also be earning rewards on that purchase. 

Additional Bonus Earning Opportunities

Take advantage of additional opportunities to earn rewards on your computer purchase by timing your purchase to take advantage of business card welcome bonuses or by utilizing special shopping offers.

Welcome Bonus Minimum Spending Requirements

While welcome bonuses fluctuate, there may be no better time to earn top rewards on your purchases than during the first 3 months after card approval. There are rarely times when you’ll earn such a large number of points, cash-back, or miles than when you first apply for a card and meet the initial minimum spending requirements.

Planning your large computer hardware/software purchase during this welcome bonus period could prove rewarding.

Shopping Offers

It’s worthwhile to take a quick glance at these shopping offers, for potential additional savings or earnings, prior to making a computer purchase.

• Amex Offers — Found on your online card account home page, Amex Offers can save you hundreds, even thousands, of dollars each year, or present opportunities to multiply your reward earnings
• Chase Offers — While not normally as lucrative as Amex Offers, Chase Offers are worth reviewing prior to your purchase
• Shopping Portals — Start with Cashback Monitor to find which shopping portals (like Rakuten) are offering the best reward-earning potential for your specific purchase

Bottom Line: Timing your large computer purchase to coincide with spending requirements for a new card welcome bonus or utilizing shopping offers can maximize earning rewards on your purchase. 

Final Thoughts

Ensuring that every purchase your business makes earns rewards can be challenging.

The best strategy involves determining your greatest business expenses and selecting a card that aligns its rewards earnings with that category or categories. The mix of expenses can even change over time, which can necessitate revisiting your card selection and making adjustments. You may also need more than 1 business card to accomplish this objective.

Whether earning rewards, utilizing a 0% APR period or securing product protection is a primary consideration when deciding which card to use for your computer purchase, you’ll also want to consider the overall card package for receiving ongoing value. Redemption options, travel and shopping benefits/protections, statement credits, and even the annual fee, can also play a major role in card selection.

If you’re simply making a large computer purchase, however, you should now have a better idea of which cards might work best for facilitating that purchase.