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Best Credit Cards for Real Estate Investors

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Real estate investing is a business in which you need to spend money to make money. That's why, as an investor, a credit card is such a valuable financial tool. It's a convenient option if you need real estate financing sources, and in addition to being a convenient payment method, many top credit cards offer plenty of other useful features. To help you find the right card for you, here's our list of the best credit cards for real estate investors.

Great for: High cash rewards rate

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty sign-up bonus and versatile 0% intro APR offer are the cherries on top. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards sign-up bonus
    • No annual fee
    • No bonus categories
    • Foreign transaction fees
    • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
    • Earn unlimited 2% cash rewards on purchases
    • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
    • $0 annual fee
    • No categories to track or remember and cash rewards don't expire as long as your account remains open
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
    • Select "Apply Now" to learn more about the product features, terms and conditions
  • With a huge sign up bonus and massive on going rewards rate of 3x points per $1 on business essentials this card is a home run for businesses that spend a lot and want to maximize their rewards. Read Full Review

    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 100k bonus points after you spend $15,000 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
    • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
    • 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.

Great for: Long 0% intro APR offer

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

  • With a long 0% intro APR offer, no late fees, no annual fee, and no penalty rate, this card is an unmatched pick. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • No rewards
    • Foreign transaction fee
    • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
    • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.24% - 26.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
    • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
    • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges

Great for: Home improvement discounts and financing plans

  • You can get top-of-the line value at Lowe's with this card. It's flexible financing and initial discount can save hundreds making this a top-notch home improvement credit card.

    • Introductory discount offer
    • Discounts on eligible purchases
    • Low financing plans
    • No annual fee
    • Only accepted at Lowe's
    • Deferred-interest financing
    • Receive a 20% off coupon for your first purchase
    • 5% off all eligible in-store and online purchases
    • Special financing for purchases more than $299
    • Fixed monthly payments and APR for purchases of at least $2,000
    • No annual fee

Great for: Flexible rewards

  • The card brings innovative points-earning flexibility with the option to choose which categories earn 4x points. The inclusion of a nice welcome bonus sweetens the pot.

    • High-value welcome offer
    • Bonus rewards on your biggest expenses
    • Versatile rewards points
    • Consumer and travel protections
    • Annual fee
    • Spending cap on bonus rewards
    • 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.
    • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.
    • 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
    • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
    • Terms Apply
The information for the American Express Business Gold Card has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.

How credit cards benefit real estate investors

There are several reasons a credit card is worth having when investing in real estate:

  • More spending power: With certain types of real estate investing, such as house flipping and commercial real estate, bills add up quickly. That can be hard to manage if you're paying for everything in cash from your bank account. A credit card is a convenient way to make purchases on credit and pay it back when the bill's due. If you need even more time, you can get a card with anintro 0% APR offer.
  • Building your credit: When you pay your credit card bill on time and follow other good financial habits with it, it can improve your credit history. This is a crucial step if you're trying to reach a sufficient credit score for an investment property.
  • Earning rewards: A rewards credit card is an easy way to save on the money you're spending anyway. For example, if a card offers 2% cash back, it's like getting a 2% discount on your spending. Over time, these rewards add up to significant savings.
  • Track business expenses: Getting a credit card solely for your real estate business helps you track your business expenses and make the right tax deductions. Many business owners use a business credit card for this. However, you can do it with any credit card that you only use for business expenses.

What real estate investors should look for in a credit card

The most important factors real estate investors should look for in a credit card are purchase rewards and 0% intro APR offers. Both of these perks can help you save money on every real estate investment. Purchase rewards allow you to get value back on all your expenses. 0% intro APR offers give you time to pay off eligible purchases or balance transfers at a 0% annual percentage rate (APR).

There are several other things you can look for as you shop around for the best credit cards for real estate investors. A high credit limit gives you more spending power, which can help with cash flow. The credit card you choose should have a reasonable annual fee or no annual fee at all. Bonus opportunities and purchase protections are also valuable benefits for a real estate investor.

To recap, here are the factors to consider when choosing a card for real estate investing:

  • Purchase rewards
  • Intro 0% interest offers
  • A high credit limit
  • A reasonable annual fee
  • Bonus opportunities
  • Purchase protections

Now, let's go over in more detail how each of these factors works and why they matter.

Purchase rewards

Cards with purchase rewards give you back a percentage of all qualifying purchases. Depending on the type of rewards credit card you have, you can earn cash rewards, travel rewards, or other types of rewards points.

Real estate often involves lots of different expenses, so with the right credit card, you'll have ample opportunities to earn rewards. You generally can't pay your mortgage with a credit card, but everything else is fair game.

0% intro APR offers

A credit card may offer a 0% APR on purchases, balance transfers, or both for a set period of time. This type of offer is helpful when you know that you won't be able to pay your credit card bill in full. For example, if you have a costly remodel on a rental property and need to pay it off over time, a 0% purchase APR lets you do that without interest.

A high credit limit

The credit limit is the maximum amount you can spend using your credit card. Since real estate investing can be expensive, a card with a high credit limit is nice to have. You'll be able to spend more without hitting your credit limit.

A reasonable annual fee

Some credit cards charge an annual fee, but you can also find plenty of cards without annual fees. If you decide to get a card with an annual fee, make sure the benefits are worth more than what you're paying for the card.

Bonus opportunities

Credit cards often provide bonus opportunities, especially for new cardholders. The most common is a welcome bonus. This is a bonus you can get after opening the credit card, and it usually requires you to spend a certain amount.

For example, a card could offer $500 in cash rewards if you spend $5,000 in the first three months. Bonuses like these are a great way to get money back through your everyday purchases.

Purchase protections

Purchase protections are some of the more underappreciated credit card perks. A credit card could offer complimentary insurance covering new eligible purchases against damage or theft. Another popular protection is extended warranty coverage.

Whether your real estate business purchases tools, computer equipment, or any other supplies, purchase protections can cover you if anything goes wrong.

Do real estate investors need a business credit card?

You don't need a business credit card for real estate investing, but there are advantages to getting one. Here are the benefits of opening a small business credit card as a real estate investor:

  • A business credit card can keep your business expenses separate from your personal expenses.
  • Business credit cards often have features designed for business owners, such as expense-tracking reports.
  • If your business has employees, you can request employee cards for them.

Although business cards have their advantages, a consumer credit card can also work well. You may find it's best to focus on choosing the card with the benefits you value the most, regardless of whether it's a consumer or business credit card.

Best for cash rewards: Wells Fargo Active Cash® Card

If you want to earn competitive cash rewards on your purchases, the Wells Fargo Active Cash® Card is the best choice. It offers an unlimited 2% cash rewards -- the highest, no hassles flat rate we've come across. In addition, new cardholders who spend $1,000 in the first three months will earn a $200 cash rewards sign-up bonus.

This card has no annual fee, so it won't add extra costs for your business. It also includes a 0% introductory APR for the first 15 months on purchases and balance transfers made within 120 days of account opening, giving you time to pay off large business expenses or refinance credit card debt.

Best for a welcome bonus: Chase Ink Business Preferred℠ Credit Card

The Chase Ink Business Preferred℠ Credit Card offers a welcome bonus of 100,000 points for spending $15,000 on purchases in the first three months. Those Chase Ultimate Rewards points are worth $1,250 when redeemed for travel through the Ultimate Rewards portal. You can also transfer them to Chase's airline and hotel partners or redeem them for $1,000 in cash back. It's an extremely valuable bonus, especially for a card with a reasonable annual fee.

You can earn even more extra points through this business credit card's bonus categories. The card offers three points per $1 on the first $150,000 in combined purchases each year across the following categories:

  • Travel
  • Shipping
  • Internet, cable, and phone services
  • Advertising purchases through search engines and social media

Best for intro 0% APR offer: Citi Simplicity® Card

With the Citi Simplicity® Card, you get one of the longest 0% intro APR periods of credit cards we've come across. The 0% intro APR lasts for the first 21 months for balance transfers and 12 months for purchases.

Investing in real estate often involves paying large upfront costs and then paying them off over time. If you need to do that, then this card can save you quite a bit of money. You'll be able to avoid interest charges for a full year and a half. You also won't need to pay anything extra to carry the Citi Simplicity® Card, as it doesn't charge an annual fee.

Best for home improvement spending: Lowe's Advantage Card

When your business involves fixing up an investment property or flipping houses, there are usually plenty of trips to home improvement stores for supplies. That's where the Lowe's Advantage Card comes in handy. It's a great value for the store's frequent shoppers.

The Lowe's Advantage Card offers a 5% discount on all your eligible purchases, including both in stores and online. On certain types of purchases, it offers special financing plans with interest rates as low as 0%. When a special financing plan is available, you can choose between getting a 5% discount or taking advantage of the financing offer.

There's no annual fee for the Lowe's Advantage Card. The card issuer is also flexible about who it approves, so you don't need a good credit score for this card.

Best for flexible rewards: American Express Business Gold Card

The American Express Business Gold Card offers bonus rewards to match your spending habits. Every billing cycle, this American Express card earns four points per $1 in the two bonus categories on its list where you spend the most ($150,000 annual spending cap, terms apply). That list includes airfare purchases directly from airlines, as well as U.S. purchases in the following categories:

  • Online, TV, and radio advertising
  • Computer hardware, software, and cloud systems from select technology providers
  • Gas stations
  • Restaurants
  • Shipping

You earn bonus rewards on up to $150,000 in bonus spending per calendar year. All other eligible purchases earn one point per $1. This business credit card costs $295 per year for the annual fee, but the rewards can make up for that if you have high spending.

The Picks
Card Rating Great For
Rating image, 5.00 out of 5 stars.
Great For:

High cash rewards rate

Rating image, 4.50 out of 5 stars.
Great For:

Big welcome bonus

Rating image, 4.50 out of 5 stars.
Great For:

Long 0% intro APR offer

Rating image, 4.00 out of 5 stars.
Great For:

Home improvement discounts and financing plans

Rating image, 4.00 out of 5 stars.
Great For:

Flexible rewards

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