Best credit card to use at X-Chair.

Picks without a tag earn at X-Chair both in-store and online. Watch for theOnline onlytag — those bonuses only apply on xchair.com.

1. #1
   
   Ink Business Cash

   Chase

   5% on office supplies (up to $25,000/year, then 1%)

   Office supply stores; combined $25,000/year cap with internet/cable and phone services; 1% thereafter
   5%
2. #2
   
   Wyndham Rewards Earner Business

   Barclays

   5x points on office supplies
   5.0%5x points
3. #3
   
   Bank of America Cash Rewards SecuredOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
4. #4
   
   Bank of America Customized Cash RewardsOnline onlyif you select it

   Bank of America

   3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)

   3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
   3%
5. #5
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
6. #6
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
7. #7
   
   IHG One Rewards Premier Business

   Chase

   5x points on office supplies

   Office supply stores
   2.5%5x points
8. #8
   
   United Business

   Chase

   2x points on office supplies
   2.4%2x points
9. #9
   
   Hawaiian Airlines Business Mastercard

   Barclays

   2x points on office supplies
   2.0%2x points
10. #10
    
    Hilton Honors American Express SurpassOnline only

    American Express

    4x points on online shopping

    Eligible U.S. online retail purchases
    2.0%4x points
11. #11
    
    JetBlue Business

    Barclays

    2x points on office supplies
    2.0%2x points
12. #12
    
    Blue Business Cash from American Express

    American Express

    2% flat-rate cashback
    2%
13. #13
    
    Capital One Spark Cash Plus

    Capital One

    2% flat-rate cashback
    2%
14. #14
    
    Citi Double Cash

    Citi

    2% flat-rate cashback

    1% when you buy, 1% when you pay
    2%
15. #15
    
    Coinbase One

    First Electronic Bank

    2% flat-rate cashback

    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
16. #16
    
    Fidelity Rewards Visa Signature

    Elan Financial Services

    2% flat-rate cashback

    When deposited into an eligible Fidelity account
    2%
17. #17
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
18. #18
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
19. #19
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
20. #20
    
    Navy Federal cashRewards Plus

    Navy Federal

    2% flat-rate cashback

    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%

A chair-sized charge is good signup-bonus fodder, and remote workers may find employers reimburse part of it. On rewards alone, Chase Ink Business Cash covers office-supply-classified charges at 5 percent for business buyers, while Customized Cash online shopping holds 3 percent for personal orders.

Last updated August 10, 2026