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Working from home conveys many benefits (most notably the absence of a commute), but distractions may abound. A home office can provide an interruption-free workspace within your residence.
Unfortunately, the cost of setting up a home office can be prohibitive. Some credit cards can assist by providing rewards or helping you avoid interest on your purchases.
Here are five credit cards that can help you set up your home office.
Rewards: 5% cash back on up to $1,500 in quarterly purchases for specific bonus categories; 1% cash back on other purchases.
Sign-Up Bonus: Discover matches all cash back earned in the first year.
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for 14 months on purchases and balance transfers, then variable 11.99% to 23.99% APR.
Why We Picked It: If you buy office supplies from the right merchants, you can earn 5% cash back through the end of the year.
For Your Home Office: Through December 2017, all Target and Amazon.com purchases earn 5% cash back. That’s a great cash back rate on everything from office supplies to electronics.
Drawbacks: Each bonus category for this card is only good until the end of the quarter.
Rewards: 5% cash back at US office supply stores and on wireless telephone services purchased from US service providers; 3% cash back on a category of your choice; 1% cash back on other purchases.
Sign-Up Bonus: $200 bonus cash if you spend $5,000 in the first six months, with an additional $200 if you spend $10,000 in the first year.
Annual Fee: $0
APR: 0% APR for nine months on purchases, then variable 13.24% to 20.24% APR.
Why We Picked It: This business card is suitable for up-front and ongoing business expenses.
For Your Home Office: You’ll earn 5% cash back at office supply stores and qualifying wireless telephone services, which will help stock your home office and keep the phones on. Plus, you can earn 3% cash back on a category of your choice from a list of eight; options include airfare, hotel rooms, gas, computer-related purchases, and more.
Drawbacks: This card is intended for corporate use and might be overkill for businesses with a low overhead.
3. Amazon Prime Rewards Visa Signature Card
Rewards: 5% back at Amazon.com; 2% back at gas stations, restaurants, and drugstores; 1% back on other purchases.
Sign-Up Bonus: $70 Amazon.com gift card upon approval.
Annual Fee: $0
APR: Variable 15.24% to 23.24% APR.
Why We Picked It: Any office goods purchased at Amazon.com can earn up to 5% back.
For Your Home Office: If you get your office supplies at Amazon.com, you’ll earn 5% back with a Prime membership. Rewards are redeemable for future Amazon.com purchases, which can help you restock on printer cartridges and Post-it notes.
Drawbacks: If you don’t shop at Amazon.com, this card isn’t a good fit.
Rewards: 4% cash back on up to $7,000 in eligible gas purchases per year; 3% cash back at restaurants and on eligible travel; 2% cash back at Costco and Costco.com; 1% cash back on other purchases.
Sign-Up Bonus: None
Annual Fee: $0 with a paid Costco membership.
APR: 0% APR for seven months on purchases, then variable 16.24% APR; variable 16.24% APR on balance transfers.
Why We Picked It: Costco members can save on office supplies with this card.
For Your Home Office: You’ll earn 2% cash back on Costco and Costco.com purchases, including their wide variety of office products and equipment.
Drawbacks: You must have a Costco membership to get this card.
5. Chase Ink Business Cash
Rewards: 5% cash back on the first $25,000 spent on office supplies and internet, cable, and phone services per year; 2% cash back on the first $25,000 spent at gas stations and restaurants per year; 1% cash back on other purchases.
Sign-Up Bonus: $300 bonus cash if you spend $3,000 in the first three months.
Annual Fee: $0
APR: 0% APR for 12 months on purchases and balance transfers, then variable 14.24% to 20.24% APR.
Why We Picked It: If you spend a lot to keep your business running, this card is worth a look.
For Your Home Office: Each year, the first $25,000 in office supply purchases and internet, cable, and phone service expenses earn 5% cash back, making it easier to stay connected and stocked up on supplies.
Drawbacks: This card is most helpful if you’re running a sizeable business with significant ongoing expenses. Otherwise it may not be a good fit.
How to Choose a Card for Your Home Office
The best card for your home office depends on your workspace needs. If you have to invest in furniture, electronics, and other pricey up-front expenses, you may want to look for a card with a 0% intro APR offer. If you’re more concerned with ongoing office supply costs, a card that provides cash back rewards at your favorite office retailer might be suitable.
Whether you need a personal or business credit card depends on your job. If you’re telecommuting for an employer or your business has a low overhead, a personal credit card should be able to handle your spending needs. But if you’re managing a sizeable business that needs quick access to supplies and services, the higher credit limits and additional employee cards available with business credit cards might help you out more.
Either way, business owners should maintain separate credit cards for personal and business use. This will make it easier to keep track of your business expenses for accounting and tax purposes.
What Credit Is Required Your Home Office Card?
Top business and personal credit cards will require good to excellent credit. Before you apply for a card, verify that your credit is sufficient for approval. Otherwise, the resulting hard inquiry could ding your credit score and your application would be rejected. You can check your credit report free at Credit.com.
At publishing time, (name of card), (name of card), and (name of card) are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).
Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.