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Staples Business More Account™ review

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A small business credit card that gives you rewards and shopping benefits at Staples.

  • Get this card if your preferred office supply shop is Staples.
  • Pick something else if you want a more universally accepted credit card.
  • Apply with a fair to good credit score of 580 or higher.

Up to 5x

Points

$0

Annual fee

14.99%, 19.99% or 23.99%

Purchase APR (fixed)

580

Recommended credit score

Details

Product NameStaples Business More Account™
Card typeVisa
Annual fee$0
Purchase APR14.99%, 19.99% or 23.99% fixed
Balance transfer APRN/A
Balance transfer feeNone
Cash advance feeNone
Penalty APR29.99% fixed
Interest free periodUp to 20 days
Late payment feeUp to $39
Late payment fee conditions$15 on balances up to $100, $29 on balances of $100 up to $250, $39 on balances of $250 and over
Returned payment fee$39
Additional cardholder fee$0

The basics

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.

Another card for business cash back

American Express® Blue Business Cash Card

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.24%, 18.24%, or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No annual fee
  • Terms apply
Read less
Read more
See Rates & Fees
Promoted

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.

How does deferred interest payment work?

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:

  • 6-month financing. For purchases of $299 or more, you could get six months to pay off your balance without paying interest.
  • 12-month financing. For purchases of $499 or more, you could get a year to pay off your balance — interest-free.
  • 18-month financing. For purchases of $799 or more, you could get 18 months to pay off your balance without paying interest.

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.

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%

Compare business credit cards

Updated September 18th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
2x miles on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
1.5x miles on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5x miles on every purchase, every day.
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
16.24% to 24.24% variable
$295
Up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express® Business Gold Card within the first 3 months, offer ends November 6, 2019. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 50,000 points after spending an additional $15,000 on purchases in the first 3 months from account opening. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
1.5% cash back on all purchases
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
N/A
0% intro for the first 12 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
1% cash back on all purchases
25.24% variable
$0
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening.
3x points in a chosen category and 1x points on all other purchases
0% intro for the first 9 billing cycles (then 14.24% to 25.24% variable)
$0
Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days after opening your account.
2x points in the category you spend the most each month - gas stations, office supply stores or airlines, plus on cellular providers and 1x on all other purchases
14.24% to 25.24% variable
$0 intro annual fee for the first year ($55 thereafter)
Earn 25,000 bonus FlexPoints worth $375 on airfare, hotel stays, car rentals and more when you spend $2,000 in purchases within the first 4 months of account opening.
2x points in the two categories you spend the most in each month and 1x points on all other purchases
18.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.
1.5% discount when you pay early
N/A
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
3x points at U.S. restaurants and direct hotel and airfare purchases on up to $50,000 (then 1x), 2x points on purchases through Amex Travel and 1x points on all other purchases
N/A
$95
Earn 3x points at U.S. restaurants and direct hotel and airfare purchases on up to $50,000 (then 1x), 2x points on purchases through Amex Travel and 1x points on all other purchases. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
2x points on Southwest Airlines and 1x points on all other purchases
17.99% to 24.99% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
17.99% to 24.99% variable
$199
Earn 80,000 points when you spend $5,000 on purchases in the first 3 months.
2x miles on Delta purchases and 1x miles on all other purchases
17.74% to 26.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
17.74% to 26.74% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.74% to 26.74% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.74% to 26.74% variable
$195
Earn 35,000 miles and 5,000 MQMs after spending $1,000 in the first 3 months plus $100 after making a direct Delta purchase in the same timeframe. Rates & fees
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.
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
2x miles at restaurants, gas stations and office supply stores, 2x miles on United and 1x miles on all other purchases
17.99% to 24.99% variable
$95
Earn 50,000 miles after spending $5,000 in the first 3 months. Earn another 50,000 miles after spending $25,000 total in the first 6 months.

Compare up to 4 providers

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.

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.

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.

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 (see rates & fees) or the Business Advantage Cash Rewards Mastercard® credit card 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

Images: citibankonline.com

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