Staples More Account ReviewsReviews, rates, fees, and rewards details for The Staples® Business Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees$50 initial rewards bonusQualify with fair creditDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Staples® Business Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-282-5316
Staples® Business Credit Card has a rating of 3.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Staples® Business Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Business - Finance New Purchases (Store Cards)'. To break it down further, Staples® Business Credit Card earned a score of 5.0/5 for Fees, 1.7/5 for Rewards, 2.9/5 for Cost, 2.5/5 for APR, and 3.7/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.7/5
175 reviewsRead and write reviews
Editor’s Review
4.6/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
1.7
Cost
2.9
APR
2.5
3.0/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 18 months, 14.99% - 23.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Save $50 by statement credit on a purchase of $150 or more made within 45 days of opening the Account.
Earn 5% back in rewards on your in-store and online purchases — Automatic upgrade to Premier status.
Free next–day delivery with no minimum purchase. Eligible items only.
$2 back in rewards for each ink cartridge recycled for a maximum of 20 times per month.
$25 off in Print & Marketing services annually; and $20 off in Tech Diagnostic Services annually (in store only).
Rewards are issued online monthly in increments of $5.
Staples® Business Credit Card's Additional Info
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Deferred Interest Details: No interest if paid in full within 6, 12 or 18 months on purchases of at least $299, $499 or $799 respectively.
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Flexible payment options — Pay in full or carry a balance.
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Itemized billing detail and dedicated credit line.
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Enhanced spending controls – Set up authorized users’ spending limits and billing options.
Save up to one-third in the first 45 days. It’s not the biggest first-purchase discount available from a store credit card. But the $50 that you’ll save on a purchase of $150+ made within 45 days of getting the Staples Business Credit Card, also known as the Staples More Account, does represent an excellent deal in percentage terms. So if you’re going to spend that much at Staples anyway, why not get some of it back?
Great ongoing rewards. You will earn 5% “cash” back, or roughly five times the market average, on every purchase charged to your Staples More account. That puts this offer on par with the market’s best store credit cards, making it a must-have for small business owners who regularly shop at Staples.
No annual fee. All else being equal, not having to pay an annual fee is definitely a good thing. It saves you about $21.58 per year compared to the average credit card, after all. But hardly any store credit cards charge annual fees, so this isn’t much of a differentiator. And some of the best business credit cards have annual fees. Their rewards are worth it. So don’t read too much, one way or the other, into the Staples More Account’s lack of an annual fee.
Financing that’s best left alone. The Staples More Account uses a feature called deferred interest that makes its 0% financing offer a risky proposition. If you don’t repay your full balance by the end of the 0% period, or you’re late with a bill payment along the way, interest will retroactively apply to your entire original purchase amount, like the 0% rate was never there. And since the card’s regular APR has the potential to be well above the market average for a new credit card offer, according to WalletHub’s latest Credit Card Landscape Report, you should just plan to pay your bill in full every month.
For fair credit and up. The Staples Business Credit Card – or More Account, however you’d like to refer to it – is again like the vast majority of store cards in the sense that you need just “fair” credit to qualify. And while you may assume that the credit standing in question is business-specific, that’s not the case. Issuers base business credit card approval on applicants’ personal credit history. So it’s a good idea to check your latest credit score for free on WalletHub before you apply.
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Compare The Staples® Business Credit Card vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
User Reviews
3.7
Market Comparison
3.0
fees: 5.0
rewards: 1.7
cost: 2.9
APR: 2.5
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.5
User Reviews
3.4
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 4.8
Other Features: 4.5
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Staples® Business Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
You cannot apply for the Staples® Business Credit Card anymore as this card is no longer available to new applicants. If you're looking for a similar credit card, you should consider applying for the Office Depot Business Credit Card, instead. This cardoffers 2% back in rewards on all eligible purchases made at Office Depot, and a $50 discount on your first purchase of $150 or more made in the first 60 days.
You can apply for the Office Depot Business Credit Card either online or at an Office Depot Store. Keep in mind that the card requires at least fair credit for approval. If you don't know where you stand, you can check your credit score for free on WalletHub.
The starting Staples® Business Credit Card credit limit depended on factors like your income, existing debt and overall credit standing. However, this card is not available to new applicants anymore. But it doesn't mean you are out of options. You can check out the Capital One Spark Cash Plus instead. The card has $150 annual fee and requires excellent credit for approval.
Another option is the Ink Cash. This card offers 1 - 5% cash back on purchases, has $0 annual fee and requires at least...
You can't use the Staples Business card at other stores. The Staples Business credit card is not affiliated with a card network (such as Visa or MasterCard). So it can only be used at Staples.
Plenty of ways. You can send the payment at P.O. Box 7801, Phoenix, AZ 85062-8014, or online here: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_STAPLES#signon
Share your insights and review for the Staples® Business Credit Card
5
15%
4
55%
3
25%
2
2%
1
3%
3.7
175 reviews
175 reviews
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marshallcsanders @marshallcsanders
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1 Star Rating
Verified Customer
I defy any non IP person to try and log on to the web site listed on the statement (StaplesCommerical.accountonline.com). I would buy from Staples, but it is too much trouble to pay them over the internet. Office Depot's website works easily, Staples - forget about it.
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Kenneth Anderson @freebird462
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3 Star Rating
I enjoy cards with apps that show your account activity so you can be on top of any fraud. If this has one I haven't found it yet. Can I use it to shop Staples online? I really can't tell...... I make payments timely so the finance is great. The rewards are whatever really. If you shop Staples why not? But really....not a real incentive.
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Nonya Busy @nonyabusy
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5 Star Rating
Since I work from home, I need a lot of things for my office, and Staples is the best and cheapest place to go to for that. Normally, I am a tightwad, but Staples is one of those places where you can buy in bulk and save a whole bunch. I bought a new chair for my desk since the other one was hurting my back, and I also bought a printer, with a few other things like paper, pens, and a few huge stacks of sticky notes. This was when I actually got the $50 dollars off of my purchase. I was so happy because i saved a bunch and still had a bunch left over after that. It really does come in handy.
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Michael Solgonick @michaels_167
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5 Star Rating
$50 Statement Credit 5% back in Rewards, 6, 12 or 18 mo. deferred financing $50 voucher for copy and print annually Free computer diagnostic No brainer!!!!
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Nathan Carper @nathanc_6
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5 Star Rating
I have had the Staples Business Card for almost a year now. I love the fact that there is no annual fee, I was upgraded to 5% back in Rewards and free shipping online. I have taken advantage of their Deferred Financing on several occasions for some Tech Services and some larger purchases over $299. I love that they offer financing for 6/12 or 18 months. Great Card and very flexible!
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Tony Hicks @tonyh_9
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5 Star Rating
I love my Staples card. As a creative hobbyist (I do graphic design and printing for events for my friends at cost), this card and its specific purpose allows me to go to staples and get more ink, specific stock, colored paper, invitations, whatever.
It's nice to have a specific card for this purpose because I always know it's clear and it allows me to easily track costs related to my hobby.
Features-wise, the APR is fine and although I've never had to use it (knock on wood), the grace period is generous. 20 days is plenty of time to account for paychecks falling weird or whatever. In truth, I may use this card more frequently than any other.
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Tyler Sharp @tylers1
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5 Star Rating
I work from home and honestly my supply needs aren't that demanding, but honestly, anything I need offise-wise is bought from Staples, and I love their store card as it has a ton of nice perks for moderate users like myself. Great 0% intro rate for me, my APR now is in the 17% range, but it's fine as I pay it quickly, and I love getting my bonus points. Also, the special CARD MEMBER ONLY specials they send to my email are pretty sweet as well. I love it.
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George Green @georgeg_12
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4 Star Rating
I used this card when it was time to make some larger purchases for my office, and the 0% introductory rate for 12 months was very helpful. After this rate was over though, the permanent rate of 21% was simply too high. I was able to get my initial purchases paid off in under 12 months, but keep a balance on this card is just too expensive. And the card has no other benefits, so it is not very useful.
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Mitch @MDerndle
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5 Star Rating
As someone who runs a small business out of the home, the Staples Business Credit Card is an amazing way to not only keep up on my office supplies but save a lot of money in the process.
Great interest rate, good intro rewards and continuing rewards (on top of their already existing rewards structure in store) and flexible payment options make for an all around great card for residential and business customers alike.
If you do a lot of shopping at Staples or have a great need for office supplies, you can't beat these guys.
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Elixir TheEnigma @ElixirTheEnigma
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5 Star Rating
My Staples card gets me all the office supplies I need! There's a wonderful rewards program, and there is no fee to have the card each year. Its easier than ever to use your card to purchase supplies online, and when you work from home that's a huge benefit. I'm happy to have this card.
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