best credit card for construction

Running a construction business? As you accept more projects and grow your portfolio, your business expenses may follow suit.

If you spend a lot of money on business credit cards, you’ll want to make sure that you’ll be able to handle evolving business needs as your company grows.

We’ll walk you through all of the absolute best business cards that you can have for your construction business.

Running a construction business is expensive.

Between keeping up with your inventory of raw materials, renting and buying construction equipment, paying your employees, and getting all of the right permits and licenses, the costs will add up.

The best cards for construction businesses will have high credit ceilings, excellent rewards, and flexible financing terms.

That way, you can get as much as you can out of every dollar you spend, whether it’s on lumber or labor. Getting an incremental 1% or 2% back on large business expenses can make a huge difference in the long run. And of course, it always helps if you can get benefits for travel, too!

Let’s take a look at our favorite credit cards for construction businesses.

Our favorite card for construction businesses is, without a shadow of a doubt, the Amex Business Platinum card. This card has proven time and time again to be a business owner’s best friend.

It offers the holy trinity of perks that business card owners look for:

1. High credit limit (in this case, there’s no preset spending limit)

2. Top-shelf luxury benefits

3. Awesome rewards

Let’s be specific — the Amex Business Platinum card earns:

• 5x Membership Rewards points on flights and prepaid hotels at Amex Travel

• 1.5x Membership Rewards 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)

• 1x Membership Rewards on all other purchases

These key business categories include:

• Construction material and hardware suppliers

• Electronic goods retailers and software and cloud system providers

• Shipping providers

This card is one of the only ones to offer bonus rewards on construction material and hardware suppliers, which makes this card a match made in heaven for construction businesses.

Plus, you can earn bonus points on large purchases, which construction businesses have plenty of.

Maxing out the $2 million cap per calendar year means accumulating a total of 3 million Amex points, worth a whopping $66,000!

Additionally, this card offers the most exceptional benefits of a business card in the world.

The CapOne Spark Miles card is one of our absolute favorite business credit cards for those who are strictly interested in earning rewards on odd categories of business spending.

To start off, there’s usually an awesome welcome bonus — but the main reason we like this card is that it earns an unlimited 2x Capital One miles per dollar spent on every purchase for your business.

That’s equal to a return on spending of 3.6%; plus, earn 5x miles on hotels and rental cars booked through Capital One Travel.

You’ll also be able to utilize a $100 Global Entry/TSA PreCheck application fee credit!

The CapOne Spark Miles card offers zero fraud liability, the ability to create virtual card numbers, extended warranty, 2 free visits per year to the Capital One Lounge, free employee cards, and no foreign transaction fees.

Why We Like Earning Capital One Miles

Capital One Miles is similar to American Express Membership Rewards.

The difference is we believe that Capital One miles are worth slightly less at 1.8 cents apiece, mostly because of a less comprehensive list of transfer partners.

Nonetheless, Capital One miles can be transferred to airline and hotel partners, and that is, indeed, the best way to use Capital One miles.

You can also use Capital One’s Purchase Eraser to get better redemption value from the card, as well as for gift cards, statement credits, experiences, or PayPal purchases.

The very last card we’ll discuss is the Amex Plum card — it’s not one that we discuss much, given our focus on points and travel, but it can make or break certain cash flow-strapped businesses.

This product was created specifically to help businesses that have delays in invoicing and payment fulfillment from vendors.

To start, this card offers a 1.5% discount on total earnings if you pay your bill early.

And although this card doesn’t offer any rewards, it does offer the ability to take up to 60 days to pay your bills with no interest — all you need to do is make your minimum payment by the payment due date. This is a super-niche benefit, and the 60-day interest-free period is the biggest selling point.

Is the Amex Blue Business Plus card worth it?

It is absolutely worth it for the right business. If you spend less than $50,000 per year on your business and want to earn valuable rewards without an annual fee, this is one of the best cards to have. You’ll earn 2x Membership Rewards points per dollar spent, which is worth a return on spending of around .

4.4%!

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