You already know that credit cards make dropshipping easier.
They help you pay suppliers instantly and protect you from fraud, all while earning rewards on your purchases.
But with so many options, how do you choose the one that works best for your business?
This guide breaks down the different options to find the one that will help your store grow, cut costs, and maximize your financial benefits.
Let's read on!
The best credit cards for dropshipping: An overview
Let's start with a handy overview table showing the best credit cards for dropshipping:
| Credit Card | Best For | Annual Fee | Rewards | Intro APR |
| Chase Ink Business Preferred | Business purchases with high spending | $95 | 3x points on business purchases, 2% cash back on all purchases | None |
| Amex Business Gold Card | Big spenders who want flexible rewards | $295 | 4x points on top categories | None |
| Capital One Spark Cash Plus | Flat-rate cashback on all purchases | $150 | 2% cash back on all purchases | N/A (charge card) |
| CitiBusiness AAdvantage Platinum Select | Frequent international suppliers | $99 (waived first year) | Travel rewards (varies, often 65,000 miles) | None |
| Discover It Business Card | No-fee cashback for small businesses | $0 | 1.5% cashback + first-year match | 0% for 12 months |
What these credit card terms are
Before choosing a credit card, it’s essential to understand a few key terms:
- Charge card. Requires full payment each month instead of carrying a balance. There are no interest charges, but you must pay the due amount.
- Intro APR (Annual Percentage Rate). 0% interest period on new purchases for a set number of months. This can be useful for covering inventory or advertising costs upfront without interest.
- Cashback match. Some cards double the cashback earned in the first year, increasing the total rewards a business can earn.
For example, if you spend $1,000 monthly on ads and inventory, a 3x points rewards system would earn you 36,000 points per year, which are worth about $450 in travel or statement credits.
A flat 2% cashback system would return $240 annually, providing a steady discount on all purchases.
How do you choose a credit card for dropshipping?
Now, let’s look at the key factors to consider when choosing the right credit card for your needs:
- High credit limit. If you place large inventory orders, a card with a high limit ensures smooth supplier payments and gives more flexibility.
- Rewards and cashback. This earns cashback or points on ads and inventory so that you can reduce business costs.
- Low or no annual fees. This earns cashback or points on ads, inventory, and software.
- Introductory APR (annual percentage rate) offers. A 0% intro APR gives you time to repay purchases without interest, which helps new businesses manage their cash flow.
- Fraud protection. Credit cards protect chargeback and monitor fraud while keeping your dropshipping business secure.
The top 5 credit cards for dropshipping
Now, let's review the top five credit cards for dropshipping!
1. Chase Ink Business Preferred Credit Card - Best for travel rewards
If your business spends heavily on ads or shipping, a Chase card helps you earn rewards fast.
With 3x points on everyday business expenses, it's perfect for scaling a dropshipping store while earning valuable travel perks.
Pros
- Three points for every $1 spent on advertising, shipping, and internet purchases
- Starting at a $5,000 credit limit can go much higher based on your business needs.
- Strong fraud protection and purchase insurance.
Cons
- $95 annual fee.
- Requires good to excellent credit to qualify.
2. American Express Business Gold Card - Best for flexible spending
This American Express card automatically gives you 4x points on your top two spending categories monthly, making it highly flexible.
You'll rack up points fast if you spend a lot on ads, inventory, shipping, etc.
Pros
- 4x points on the two highest spending categories.
- There is no preset spending limit, which is great for large purchases.
- Travel benefits, such as 3x points for pre-paid flights and hotels.
Cons
- High $295 annual fee.
- Many of the benefits are only for high spenders and those located in the US.
3. Capital One Spark Cash Plus - Best for flat-rate cash back on all purchases
Unlike other cards with category-based rewards, this Captial One card offers a simple 2% cashback on everything.
There is no need to track bonus categories. It’s perfect for straightforward savings without the hassle!
Pros
- Unlimited 2% cashback on all purchases.
- There is no preset spending limit, giving flexibility for big orders.
- There are no foreign transaction fees, making it great for international suppliers.
- A 5% cashback on hotels booked through Capital One Travel.
Cons
- $150 annual fee.
- The entire balance must be paid each month.
4. CitiBusiness/AAdvantage Platinum Select - Best for international spenders
The CitiBusiness/AAdvantage card's travel perks and 65,000 bonus miles can help cover flights to meet suppliers or attend industry events if you source products from overseas.
Pros
- Earn 65,000 bonus miles after spending $3,000 in the first three months.
- Free checked bags and priority boarding on American Airlines.
- First-year annual fee is waived, and after that, the fee is only $99 annually.
Cons
- Not the best for cashback or everyday business spending.
- Requires good credit to qualify.
5. Discover It Cashback Business Card - Best for no-fee cashback for small businesses
If you prefer no annual fee but want rewards, the Discover it Business Card offers 1.5% unlimited cash back on all purchases.
Plus, Discover matches your first-year cashback, doubling your rewards!
Pros
- 1.5% cash back on all purchases.
- First-year cashback match (double your rewards!).
- No annual fee and 0% APR for 12 months.
Cons
- Not widely accepted outside the US.
- Lower credit limits compared to premium business cards.
3 tips for maximizing credit card benefits
Credit cards can be a powerful tool for your dropshipping business. Here's how to maximize that:
1. Use all reward channels
Some cards let you redeem rewards in multiple ways, such as cashback, travel points, or gift cards.
Explore all options and choose the most valuable redemption option for your business expenses.
2. Pay balances in full
Carrying a balance can lead to high-interest charges, erasing the value of any cashback or points earned.
To maximize benefits, always pay your balance in full and on time.
3. Use cashback or points for your dropshipping business
Instead of spending rewards on personal purchases, reinvest them into your business!
Use cashback to pay for ad spend, inventory, or lower supplier costs, helping you scale faster.
Summary
Before we go, we've created a quick summary of this article for you, so you can easily remember it:
- Pick a credit card that matches your business expenses, like ads, shipping, or inventory.
- Choose a card with high cashback or points to reduce business costs.
- Compare annual fees with perks like travel rewards and fraud protection.
- Use 0% intro APR offers to manage cash flow without interest.
- Pay balances in full, redeem rewards wisely, and reinvest them in your business.
- Select a card with fraud protection and chargeback security for safer transactions.
Conclusion
Picking the right credit card can make running your dropshipping business easier and more profitable.
The best cards offer high credit limits, rewards, and protection against fraud. Whether you want cashback, travel perks, or low fees, there’s a card for you.
Use your card wisely, pay on time, and watch your store grow!
Thank you for reading, and good luck in selecting the best card for your situation!
Want to learn more about dropshipping?
Ready to move your dropshipping store to the next level? Check out the articles below:
- How Much Does It Cost to Start an Online Store in 2025?
- Shopify Capital for Dropshipping: How You Can Get Funding
- Using a Credit Card for Dropshipping: What You Should Know
Plus, don’t forget to check out our in-depth guide on how to start dropshipping here!
