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Up to 5x
Points
$0
Annual fee
14.99%, 19.99% or 23.99%
Purchase APR (fixed)
580
Recommended credit score
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
With over 1,000 locations across the US, Staples is one of the largest office supply stores in the country. Whether you’re a regular or you only occasionally buy office supplies, you may find the Staples Business More Account™ helpful — especially when it’s free to own.
Enjoy earning 5% back in Staples Rewards for every purchase. Plus, you’ll enjoy free next-day delivery for every transaction over $49.99. The largest benefit you may get as a card member is the deferred payment option: For purchases over $299, you could qualify to pay off your balance interest-free for 6 to 18 months.
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.
If you need to make a large purchase for your business and you want to stretch out your payments over a few months, Staples may offer you a special promotion to do that.
The flexible financing options you could be offered include:
If your purchase balance isn’t paid off by the time your promotional offer ends, you’ll be charged interest at a fixed APR of 14.99%, 19.99% or 23.99% from the date you made your purchase. You could also incur a fixed penalty APR of 29.99% if you make a late payment.
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.
To apply for the Staples Business More Account™, you’ll need to provide information about you and your business, including:
You can apply with a 580 business credit score or higher. Businesses in good standing have a better chance of being approved.
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.
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.
Images: citibankonline.com