Editor’s note: This is a recurring post with regularly updated card details.
A real estate agent credit card is essential for charging everyday expenses like gas, travel, dining, and supplies. When choosing the best business credit card for real estate agents, find one that offers rewards for business expenses where you usually spend the most. Other factors to consider are annual fees, 0% annual percentage rate (APR) period, credit limit, and cash flow flexibility.
See our eight best credit cards for real estate agents:
- American Express Blue Business® Plus: Overall best business credit card for those wanting expanded buying power
- Bank of America Business Advantage Unlimited Cash Rewards: Best for unlimited cash back rewards
- U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for 15-month 0% APR and up to 5% cash back
- American Express® Business Gold Card: Best for earning premium rewards on your top two expense categories
- Chase Ink Business Preferred®: Best for high credit limit and earning rewards on online advertising and travel
- Valley Visa® Secured Business Credit Card: Best for real estate agents wanting to build business credit
- Bank of America Business Advantage Travel Rewards World Mastercard®: Best for earning rewards for travel and $0 annual fee
- U.S. Bank Business Altitude™ Power World Elite Mastercard®: Best for premium points rewards on hotels & car rentals
Overview of the Best Credit Cards for Real Estate Agents
If you want to see how a credit card stacks up against others, click Add to Compare on the cards below. Note that you can compare up to three credit cards on this page or a card here against others on our site.
American Express Blue Business® Plus: Overall Best Credit Card for Those Wanting Expanded Buying Power
The Blue Business® Plus Credit Card from American Express
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Apply Now
on The Blue Business® Plus Credit Card from American Express’s secure website.
Intro APR
0% on purchases
Regular APR
18.49% – 26.49% Variable
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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 at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
18.49% – 26.49% Variable
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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 at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Who Should Consider the American Express Blue Business® Plus
Our overall best credit card for real estate agents is great for those looking for a versatile card with fixed-rate points rewards and a 0% introductory period on purchases. These are our reasons for also recommending it as one of our leading instant approval business cards.
Rewards:
- 2x points on the first $50,000 in purchases, then 1x points after the cap is met
Other benefits:
- Secure 15,000 Membership Rewards® Points after spending $3,000 in purchases within the first three months from the date of account opening
- Issue employee cards at no additional cost
- Enjoy $0 annual fees
Take note of the following considerations:
- It charges foreign transaction fees.
- It does not offer a 0% introductory period on balance transfers.
Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Cash Back Rewards
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those with an existing business checking account with Bank of America
Apply Now
on Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card’s secure website.
Intro APR
0%
9 billing cycles
Regular APR
18.49% – 28.49% Variable APR on purchases
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual fees
- Flexible redemption options
- With sign-up bonus
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Intro APR
0%
9 billing cycles
Regular APR
18.49% – 28.49% Variable APR on purchases
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual fees
- Flexible redemption options
- With sign-up bonus
- With 0% introductory APR on purchases
Cons
- 0% introductory APR isn’t applicable to balance transfers
- With foreign transaction fees
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Who Should Consider the Bank of America Business Advantage Unlimited Cash Rewards
Agents wanting fixed-rate cash back rewards may want to include this excellent real estate agent credit card. It also charges $0 annual fees and lets you enjoy a 0% introductory period on purchases for the first 9 billing cycles. It’s no surprise that this card is also our top business card for nonprofits.
Rewards:
- Unlimited 1.5% cash back on all purchases
Other benefits:
- Get a $300 online statement credit after spending $3,000 in purchases within the first 90 days from the date of account opening
- Earn up to 75% more cash back through Preferred Rewards for Business Platinum Honors tier Note that you must have an active Bank of America business checking account to qualify.
- Redeem earned cash back in multiple ways—as a deposit to your Bank of America business checking account, as a card statement credit, or as a check mailed to you
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges foreign transaction fees.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for 15-month 0% APR & Up to 5% Cash Back
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
0% APR for 15 billing cycles
Apply Now
On US Bank’s Secure Website
Regular APR
19.24% – 28.24% (Variable)
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% – 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Regular APR
19.24% – 28.24% (Variable)
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% – 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Who Should Consider the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard
Consider this business credit card if you need a long 0% introductory period on purchases and balance transfers. This card also lets you earn up to 5% cash back on selected spending categories. For this reason, this card is also one of our best small business credit cards.
Rewards:
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases made in gas and EV charging stations, office supply stores, cellphone services providers, and restaurants
- 1% cash back on all other purchases
Other benefits:
- Receive $500 cash back after spending at least $4,500 in eligible net purchases within the first 150 days from the date of account opening
- Secure $100 credit for recurring software subscription expenses such as FreshBooks or QuickBooks
- Pay over time through U.S. Bank’s ExtendPay® Plan Note that you can receive a $0 cardmember fee offer on ExtendPay Plans opened within the first 60 days from the date of account opening.
Take note of the following considerations:
- It charges $0 foreign transaction fees.
- A balance transfer fee is charged even during its 0% introductory period.
- It does not offer a 0% introductory period on cash advances.
American Express® Business Gold Card: Best for Earning Premium Rewards on Your Top Two Expense Categories
American Express® Business Gold Card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Apply Now
on American Express® Business Gold Card’s secure website.
Regular APR
19.49% – 28.49% Variable
Credit Needed
Good, Excellent
- 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Regular APR
19.49% – 28.49% Variable
Credit Needed
Good, Excellent
- 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 $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Who Should Consider the American Express® Business Gold Card
Real estate agents wanting to earn premium rewards on their top two spend categories may want this small business credit card. It also offers a high spending requirement to secure the welcome bonus, which is why we included it in our list of the best high-limit business cards.
Rewards:
- 4x Membership Rewards® Points on your top two spending categories Restaurants (including takeout and delivery); Gas stations; Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways, and; Monthly wireless telephone service charges made from a wireless telephone service provider”> Eligible categories include: Media providers for advertising and select media (online, TV, radio); Electronic goods retailers and software & cloud system providers
Restaurants (including takeout and delivery); Gas stations; Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways, and; Monthly wireless telephone service charges made from a wireless telephone service provider - 3x Membership Rewards® Points on flights and prepaid hotels booked on amextravel.com
- 1x Membership Rewards® Points on all other eligible purchases
Other benefits:
- Secure 70,000 Membership Rewards® Points after spending $10,000 on eligible purchases within the first three months from the date of account opening
- Enjoy Pay Over Time—which lets you carry a balance with interest on eligible purchases
- Secure a no preset spending limit—meaning your spending limit is flexible and adapts based on factors such as your purchases, payment, and credit history
Take note of the following considerations:
- It charges a high annual fee—the highest on the list.
- It does not offer a 0% introductory period on purchases and balance transfers.
- It lets you enjoy $0 foreign transaction fees.
Chase Ink Business Preferred®: Best for High Credit Limit & Earning Rewards on Online Advertising & Travel
Ink Business Preferred® Credit Card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Apply Now
On Chase’s Secure Website
Regular APR
21.24%-26.24% Variable
Credit Needed
Good to Excellent
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Regular APR
21.24%-26.24% Variable
Credit Needed
Good to Excellent
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Who Should Consider the Chase Ink Business Preferred®
Real estate agents whose main spending revolves around online advertising and travel may want to consider this business credit card as it offers 3x points on purchases made from selected spending categories. What’s more, you can redeem your earned points rewards to either earn more rewards or receive 25% more in travel redemption. It’s no surprise that this card is our top-recommended business card for travel and one of our leading high-limit business cards.
Rewards:
- 5x points on Lyft rides until March 2025
- 3x points on the first $150,000 spent in combined purchases in selected spending categories Eligible categories include: Shipping purchases, Advertising purchases, Internet/cable/phone services, and Travel.
- Unlimited 1x point per dollar spent on all other purchases
Other benefits:
- Earn 100,000 bonus points after spending $8,000 in purchases for the first three months from the date of account opening—which is valued at $1,000 in cash back or $1,250 towards travel rewards when redeemed through Chase Travel™
- Issue employee cards at no additional cost
- Enjoy $0 foreign transaction fees
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee.
Valley Visa® Secured Business Credit Card:Best for Real Estate Agents Wanting to Build Business Credit
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
Apply Now
on Valley Visa® Secured Business Credit Card’s secure website.
Intro APR
0% introductory APR on purchases for first 6 months
Regular APR
16.20% to 27.75% variable
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Intro APR
0% introductory APR on purchases for first 6 months
Regular APR
16.20% to 27.75% variable
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Who Should Consider the Valley Visa® Secured Business Credit Card
Those who are looking to build their business credit may want to look into this real estate credit card. While your transaction history is being reported to major credit bureaus—which can help improve your business credit score, you can still enjoy a 0% introductory period on purchases and earn unlimited fixed-rate cash back rewards. For this reason, it is our top secured business card.
Rewards:
- Unlimited 1% cash back on all purchases
Other benefits:
- Enjoy $0 annual fees
- Be protected by receiving immediate fraud protection alerts via text and email
- Secure a credit limit of up to $25,000 if you make a security deposit of 110% of your desired credit limit
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers,
- It only lets you issue up to 25 cards under one account at no additional cost.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Earning Rewards for Travel and $0 Annual Fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Apply Now
on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card’s secure website.
Intro APR
0%
9 billing cycles
Regular APR
18.49% – 28.49% Variable APR on purchases
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don’t expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
Regular APR
18.49% – 28.49% Variable APR on purchases
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don’t expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Who Should Consider the Bank of America® Business Advantage Travel Rewards World Mastercard®
If you travel frequently and want to enjoy $0 annual and foreign transaction fees would want this business credit card. It also lets you earn up to 3x points on selected spending categories. These are why it is one of our top-recommended business cards for travel.
Rewards:
- Unlimited 1.5x points per dollar spent on all purchases
Other benefits:
- Secure 30,000 online bonus points after spending $3,000 in purchases within the first 90 days from the date of account opening—which can be redeemed for a $300 statement credit towards travel or dining purchases
- Earn up to 75% more cash back through Preferred Rewards for Business Platinum Honors tier
- Redeem earned points in multiple ways—as a statement credit to offset travel and dining purchases, as travel with no blackout dates through the Bank of America Travel Center, as cash back, or as gift cards
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- It requires an excellent credit score to qualify for the card.
U.S. Bank Business Altitude™ Power World Elite Mastercard®: Best for Premium Points Rewards on Hotels & Car Rentals
U.S. Bank Business Altitude™ Power World Elite Mastercard®
Apply Now
on U.S. Bank Business Altitude™ Power World Elite Mastercard®’s secure website.
Regular APR
20.24%-28.24% (Variable)
Credit Needed
Excellent/Good Credit
- Introducing the U.S. Bank Business Altitude™ Power World Elite Mastercard®, the business credit card that earns you 2X limitless points on purchases that power your business.
- Limited Time Offer: Earn 75,000 bonus points, worth $750, if you spend $10,000 on the Account Owner’s card in the first 120 days from account opening.
- Earn 6X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 2X points on all purchases.
- Earn 2.5X points on up to $5,000 in mobile wallet purchases each quarter.
- No caps or expiration on total rewards earned.
- No foreign transaction fees when making purchases outside of the United States.
- $195 annual fee.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2023 World’s Most Ethical Company® – Ethisphere Institute, March 2023.
- Terms and conditions apply.
Pros
- No foreign transaction fee
- Pay over time through ExtendPay® Plan
- High welcome bonus
Cons
- No 0% APR option
- No $0 annual fee period
- Free employee cards
- Consolidated statements and detailed spending analysis
- Transfer points between personal and business U.S. Bank Altitude cards
Regular APR
20.24%-28.24% (Variable)
Credit Needed
Excellent/Good Credit
- Introducing the U.S. Bank Business Altitude™ Power World Elite Mastercard®, the business credit card that earns you 2X limitless points on purchases that power your business.
- Limited Time Offer: Earn 75,000 bonus points, worth $750, if you spend $10,000 on the Account Owner’s card in the first 120 days from account opening.
- Earn 6X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 2X points on all purchases.
- Earn 2.5X points on up to $5,000 in mobile wallet purchases each quarter.
- No caps or expiration on total rewards earned.
- No foreign transaction fees when making purchases outside of the United States.
- $195 annual fee.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2023 World’s Most Ethical Company® – Ethisphere Institute, March 2023.
- Terms and conditions apply.
Pros
- No foreign transaction fee
- Pay over time through ExtendPay® Plan
- High welcome bonus
Cons
- No 0% APR option
- No $0 annual fee period
- Free employee cards
- Consolidated statements and detailed spending analysis
- Transfer points between personal and business U.S. Bank Altitude cards
Who Should Consider the U.S. Bank Business Altitude™ Power World Elite Mastercard®
Consider this card if you travel frequently and want to earn up to 6x points on hotels and car rentals booked in the Rewards Center. It is also a viable option if you have an existing U.S. Bank personal Altitude credit card as you can redeem points quicker when you transfer points between your business and personal Altitude credit cards.
Rewards:
- 6x points on hotels and car rentals booked directly in the Rewards Center
- 2.5x points on up to $5,000 in mobile wallet purchases each quarter
- 2x points on all purchases
Other benefits:
- Secure 75,000 bonus points after spending $10,000 in purchases within the first 120 days from the date of account opening
- Enjoy $0 foreign transaction fees
- Pay eligible purchases in equal monthly installments through the U.S. Bank’s ExtendPay® Plan
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee.
How We Selected the Best Credit Cards for Real Estate Agents
The best credit card for real estate agents includes ways to save money on your most frequently purchased items and services. When selecting the best real estate agent credit cards, we prioritized introductory and ongoing rewards, welcome offers, introductory and ongoing APRs, and spending categories most often used by real estate agents.
Frequently Asked Questions (FAQs)
Real estate agents are recommended to apply for a business credit card to avoid commingling business and personal expenses. Since real estate agents incur business-related expenses—such as travel, gas, dining, and office supplies—having a business credit card will help keep business financial transactions organized, which is essential when tax season comes.
To find the best real estate agent credit card, consider the following factors:
- Rewards: Choose the best credit card for real estate agents that offers rewards that align with your spending needs.
- Redemption options: Check the redemption options provided and make sure to choose the one that provides the most value to your business.
- Fees: Consider the fees associated with the card to help you decide which one is right for you. Check all costs associated with the card, like annual fees, APRs, fees for foreign transactions, balance transfers, and cash advances.
- Credit requirements: Determine the credit score required by the card issuer and see if your score can qualify.
Bottom Line
When you’re choosing the best credit card for real estate agents, consider which ones fit your budget and payment habits. Also, check whether a card with restricted spend categories or a card with unlimited, fixed-rate rewards would benefit you the most.