Staples Business More Account™ review

How to apply for the Staples Business More Account™

1. Visit the Staples website, scroll down to the footer of the page and click Staples more credit.
2. Click Apply now.
3. Complete the application form with all the required information about yourself and your business.
4. Review your application and hit Submit application.

• See screenshots of the application form

  
  

How long will it take to get my Staples Business More Account™?

It usually takes one to two days to receive a decision on an application. It could take longer if more information is needed. Once approved, your card should arrive within 7 to 10 business days.

The perks

• Signup bonus. Save $50 on your first purchase of $150 or more during your first 45 days of account opening. This may not seem like a generous bonus, but it’s easy to earn.
• Staples Rewards. You earn 5% back in Staples Rewards for every Staples purchase you make either in-store or online. This is one of the highest returns that you can get on office supply purchases when compared to other business credit cards.
• Free delivery. For every purchase over $49.99, you get free next-day delivery if you order by 5 p.m. local time, except on weekends and holidays. If you work from home or need to make a large order for the office, this perk could be useful.
• Deferred interest payments. As a Staples cardholder, you may be offered special promotions, such as interest-free payments for 6, 12 or 18 months. If you haven’t paid off your balance by the end of the promotional period, you’ll incur interest charges at a fixed APR rate of 14.99%, 19.99% or 23.99% from the date you made your purchase.

You’ll also like …

• $0 annual fee. Owning this card costs you nothing. This makes the Staples Business More Account™ a good complimentary card for any company that needs to buy office supplies.
• Ink cartridge recycling. You get $2 back for every ink or toner cartridge you recycle — up to $40 per month. If you print a lot, this can save you up to $480 per year. However, the $2 back per cartridge only applies when you’ve spent at least $30 on ink or toner over the past 180 days.
• Printing and tech discounts. As a card member, you’ll get $25 off print and marketing services and $20 off tech services each year.
• Itemized billing details. You’ll get a monthly itemized statement to see exactly how much your business is spending on office supplies.

What to watch out for

• Not universally accepted. This card isn’t a Visa or Mastercard, and it only works at Staples stores.
• Late payment fees and interest. Try to make your payments on time. Otherwise, you’ll pay fees up to $39 and you may incur a fixed penalty APR of 29.99%

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Brex 30 Card		7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases	N/A	$0	The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		1.5% cash back on all purchases	0% intro for the first 12 months (then 13.24% to 19.24% variable)	$0	$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.	Apply now View details	Compare	loading Fetching your data...
Sam's Club® Business Mastercard®		Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases	14.9% to 22.9% variable	$0	Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.	See offer View details	Compare	loading Fetching your data...

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What size business is the Staples Business More Account™ good for?

Both small businesses that spend thousands of dollars on office supplies at Staples or sole proprietors that need to make occasional purchases could find this card useful. It has no annual fee, so basically you can keep it in your wallet until you need to make a Staples purchase.

What should I know before I apply?

To apply for the Staples Business More Account™, you’ll need to provide information about you and your business, including:

• Business name and address
• Years in business and type of business
• Revenue and monthly purchase volume
• Personal information and income of the company owner

What credit score do I need?

You can apply with a 580 business credit score or higher. Businesses in good standing have a better chance of being approved.

What do customers say about the Staples Business More Account™?

Cardholders loyal to the Staples brand love this card. They praise the 5% back in Staples Rewards and low prices on office supplies, and they especially love the deferred interest payment feature.

However, others complained about the high APR on purchases, as well as sale items that were inaccurately priced and canceled orders. Some cardholders were also unhappy with the low credit line they received, but that wasn’t the case for everyone.

I got the card. Now what?

• Make timely payments. Avoid late fees up to $39 and a fixed penalty APR of 29.99% by making your payments on time.
• Set spending controls. Set up spending limits and billing options for every card on your account.
• Use online account management. Monitor your spending with the online tools available to you on the Staples website.
• Contact customer service. For any questions, call Staples at 1-800-333-3330 or chat with a customer service representative on the Staples website.

Bottom line

The Staples Business More Account™ can be useful for small businesses — whether you spend thousands of dollars a month or hundreds of dollars a year on office supplies. It has $0 annual fee, which makes it an ideal card to add to your suite of business credit cards.

But if you’re looking for a more generally accepted no-annual-fee card that has cash back, you may want to consider the American Express Blue Business Cash™ Card (Terms apply, see rates & fees) or the Bank of America® Business Advantage Cash Rewards by Bank of America.

Before applying for a credit card, consider your options to find the best one that complements your business.

Frequently asked questions

• Does this card have a signup bonus?

  Yes, once you make your first purchase of $150 or more in the first 45 days of opening your account, you’ll get $50 in statement credit.

• Can I redeem Staples Rewards at other office supply shops?

  No, you can only redeem Staples Rewards at Staples stores.

• How do I redeem Staples Rewards?

  Log in to your Staples account to view your Rewards. You can either print a coupon and present it in store or you can enter the code on your coupon when shopping online.

• Do Staples Rewards expire?

  Yes. Every Staples Reward expires on the last day of the month following the month when Staples issued the Reward to you. Once expired, you cannot redeem the Rewards.

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