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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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Making a large purchase usually involves some level of research to find the best deal and to assure 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
Earn $750 cash-back after spending $6,000 on purchases in the first 3 months.
Annual fee of $0
5% cash-back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
2% cash-back on up to $25,000 spent in combined purchases at gas stations and restaurants
1% cash-back on all other purchases
0% intro APR on purchases for 12 months; variable 18.24% - 24.24% thereafter
5x points on flights and prepaid hotels on Amex Travel
Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), Plaza Premium Lounges, Delta Sky Clubs (when flying Delta), and more
Generous annual statement credits
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
Annual fee of $95
3x points on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
2% cash-back on all eligible purchases up to $50,000 per year
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% (rates and fees)
The Amex Business Gold card offers earnings of 4x points per dollar spent on your 2 highest purchase categories each statement period. Those purchase categories include computer hardware, software, and cloud solutions purchased via U.S. merchants. There is a maximum of $150,000 in combined 4x earning purchases each calendar year.
Additional 4x bonus earning categories include:
Airfare purchased directly from the airline
Online advertising purchased through select U.S. media
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.
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.
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, as well as 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.
Best Business Credit Cards for Large Purchases
You won’t have to worry about bonus categories when using either of these business credit cards for your computer purchase.
Amex Business Platinum Card
As previously mentioned, the Amex Business Platinum card fares well for large purchases as the card earns 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
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.
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.
Business Card
Extended Warranty Coverage
Coverage Terms
Amex Business Platinum card
Manufacturer’s warranties of 5 years or less are extended by 1 year
$10,000 per eligible item, up to $50,000 per card per calendar year
Ink Business Preferred card Ink Business Cash card
Manufacturer’s warranties of 3 years or less are extended by 1 year
$10,000 per eligible item, up to $50,000 per account
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.
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.
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.
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.
The Best Business Credit Cards for Computer Purchases — Summary
It’s time to summarize all the information we’ve covered on the best cards for purchasing computer hardware and software. Here’s how the cards stack up.
Card
Computer Purchase Benefit
Amex Business Gold card
4x Membership Rewards points per dollar spent on your highest 2 expenses, including computer hardware, software, and cloud storage, each statement period, maximum $150,000 in combined 4x purchases
Purchase protection and extended warranty
Huntington Voice Business card
4% cash-back on 1 bonus category, up to $7,000 in purchases per quarter; categories include office supply stores, computer, electronics, and camera stores
Amex Business Platinum card
$400 in Dell credits each year
1.5x earnings on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)
Purchase protection and extended warranty
Capital One Spark Cash card
2% cash-back on all purchases including computer hardware and software
Extended warranty
U.S. Bank Business Cash Rewards card
3% cash-back at office supply stores
0% APR on purchases for 12 months after card approval
Ink Business Preferred card
Generous welcome bonus
Purchase protection and extended warranty
Ink Business Cash card
5% cash-back at office supply stores, up to $25,000 in purchases each card anniversary year
0% APR on purchases for 12 months after card approval
Purchase protection and extended warranty
Ink Business Unlimited card
1.5% cash-back on every purchase, including computer hardware/software
0% APR on purchases for 12 months after card approval
Purchase protection and extended warranty
Amex Blue Business Cash card
2% cash-back on all purchases up to $50,000 per calendar year; 1% thereafter
Purchase protection and extended warranty
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.
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 earning 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.
The information regarding the Huntington Voice Business Credit Card℠ and the Capital One Spark Cash Plus was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of The American Express Blue Business Cash™ Card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
The best business card for making a computer or electronics purchase will depend on the amount of the purchase, the retailer from which you will be making the purchase, and whether you value a 0% APR period to repay your purchase.
The best business card for your situation may also be a card that is offering a large welcome bonus. Using the card to make your computer purchase may help you meet the minimum spending requirements to qualify for that bonus.
Some cards offer a period of time in which you will not be charged interest on any purchases you make that are not paid off when the statement period ends.
This period normally applies to purchases made within a specified period of time from the date you are approved for your card. Typically, the period can be 12, 15, or even 18 months.
During that time, no interest is charged for balances carried over between statement periods. It is imperative that these purchases be paid off prior to the end of the 0% APR period, however, as normal variable interest rates will then be charged on any balance remaining.
Terms and conditions may differ depending on the card.
The best business credit card for a new business or startup will depend on the business’s unique mix of expenses and its priorities.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
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