Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
The best construction credit cards offer your business flexibility and rewards. Construction companies and contractors often manage irregular cash flow, in addition to multiple job sites. The right business credit card should make your life easier. That could be by offering additional purchasing power, straightforward spend management or useful payment terms — like a no-interest intro financing period.
Cash in where your construction business spends most. Small-business credit cards rarely offer contractor-specific perks. Instead, look for a card that gives you flat-rate cash back on all your business expenses or offers bonus rewards on your common purchases, like gas.
All of our picks for the best construction credit cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Some of our selections for the best construction business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
The best construction credit cards offer your business flexibility and rewards. Construction companies and contractors often manage irregular cash flow, in addition to multiple job sites. The right business credit card should make your life easier. That could be by offering additional purchasing power, straightforward spend management or useful payment terms — like a no-interest intro financing period.
Cash in where your construction business spends most. Small-business credit cards rarely offer contractor-specific perks. Instead, look for a card that gives you flat-rate cash back on all your business expenses or offers bonus rewards on your common purchases, like gas.
All of our picks for the best construction credit cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Some of our selections for the best construction business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best credit cards for construction businesses
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Intro APR + 2% cash back The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Up to 5% cash back + signup bonus Ink Business Cash® Credit Card Apply now on Chase's website | 4.6/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
No preset spending limit + unlimited 2% cash back Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.9/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Flexible financing for big purchases Ink Business Premier® Credit Card Apply now on Chase's website | 4.7/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Long intro APR + 3% cash back on gas U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | 4.4/5 | $0 | 1%-3% Cashback | $750 | Apply now on U.S. Bank's website Rates & Fees |
Corporate card + spend management platform Ramp Card Apply now on Ramp's website | 3.6/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
I'M INTERESTED IN:
Our pick for
Intro APR + 2% cash back
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
- 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, 17.49% – 25.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Up to 5% cash back + signup bonus
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
- 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
- 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
Our pick for
No preset spending limit + unlimited 2% cash back
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Flexible financing for big purchases
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Long intro APR + 3% cash back on gas
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Corporate card + spend management platform
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Full list of editorial picks: Best credit cards for construction businesses and contractors
Before applying, confirm details on the issuer’s website.
The American Express Blue Business Cash™ Card
Our pick for: Intro APR + 2% cash back
NerdWallet star rating:
4.5
.The American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also a $0
annual fee. Terms apply. Learn more and apply.Capital One Spark Cash Plus
Our pick for: No preset spending limit + unlimited 2% cash back
NerdWallet star rating:
4.9
.The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. (See rates and fees.) Learn more and apply.Ink Business Cash® Credit Card
Our pick for: Up to 5% cash back + signup bonus
NerdWallet star rating:
4.6
.If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, including 5% cash back on spending at office supply stores, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Learn more and apply.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.Ink Business Premier® Credit Card
Our pick for: Flexible financing for big purchases
NerdWallet star rating:
4.7
.The
Ink Business Premier® Credit Card
pays you more for big purchases: Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
And while this is nominally a charge card, Chase offers some wiggle room with its Flex for Business program, which allows cardholders to finance qualified purchases of $500 or more, up to a set limit. There's also a generous welcome bonus. Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Learn more and apply.U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Our pick for: Long intro APR + 3% cash back on gas
NerdWallet star rating:
4.4
.The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 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.
Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR
— all with a $0
annual fee. Learn more and apply.Ramp Card
Our pick for: Corporate card + spend management platform
NerdWallet star rating:
3.6
.The
Ramp Card
is a corporate charge card available to incorporated businesses that have strong revenue and at least $25,000 in a business bank account. There's no personal guarantee or credit check and you get built-in expense management and card-level spending controls. Ramp has no annual fee and offers cash back on qualified purchases, but the actual reward rate varies by business. 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.
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 January 2, 2025
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.
