Staples Store Credit Card Review

Staples is a massive office supply company selling thousands of products across many categories, with a focus on business to business sales. All products can be purchased using a Staples credit card, which offers cardholders a number of benefits, as outlined in this review. 

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The Staples card is designed with businesses in mind and if you run an office or workplace, regardless of the size, you may benefit from this rewards card.

The Staples Card Basics

  • Annual Fee: $0
  • Intro APR: 0% APR for 6 to 18 months
  • Minimum Credit Score Required: Fair
  • Balance Transfer Fees: N/A
  • Regular Interest Rate: 14.99% to 23.99% Variable APR
  • Rewards Program: 5% cash back to your Staples More account

You won’t pay an annual fee with the Staples card, making it ideal as an extra card to keep in your wallet/purse for every time you shop at or the Staples store. You can use your AmEx, Visa or Mastercard reward card for everyday purchases and just pull out your Staples when you need to stock up on essential office supplies.

In addition to the rewards, which we’ll discuss below, one of the standout features of the Staples credit card is the intro APR. You can get financing for between 6 and 18 months and this is charged at 0% APR. The length of time depends on the amount.
You need to place orders of more than $299 for 6 months; $499 for 12 months, and $799 for 18 months.

There are several major benefits to this. Firstly, if you’re starting a new company or buying a lot of stock, it can help you to get everything you need without needing to pay for it straightaway. You can buy a brand-new computer or workspace today, use it to get your business or career off the ground, and cover the balance in several months when you have more cash.

It’s also better than many of the financing offered by other store cards, with more accessible billing options and payment options. However, there is one major downside to all this.
If you fail to make the payment and are even just a day late, all the interest you have avoided will be charged and you can find yourself in very deep water.

The Staples card gives users full control. If you are a small business owner, you can setup your employees as authorized users and establish spending limits.

Staples Rewards Credit Card

If you make a purchase of more than $150 within 45 days of opening the account, the Staples rewards card will grant you $50 worth of statement credit. You can also get 5% on all purchases made at Staples, including And that’s not all, as you’ll also get the following perks:

  • Buy online and spend more than $35 to get free next-day delivery
  • Get $2 back every time you recycle an ink cartridge
  • $25 discount for print and marketing services every year
  • $20 discount for tech diagnostic services every year

All Staples rewards are paid in increments of $5. These rewards are released every month and there is no limit to how many you can earn.

Alternatives to the Staples Credit Card

The Staples credit card comes up a little short in many key areas and even if you use this office supply store on a regular basis, it may not be the best credit card for you. But don’t worry, as there are many other great credit cards that can reward you for regular shopping here and at other stores. These cards may benefit you more when you’re making those essential business purchases.

GAP Visa Card

GAP has been struggling in recent years, with speculation that the brand is on its way out followed by the announcement that many stores are closing. It’s bad news for one of the country’s best-loved brands, but as things stand, it’s still alive and well and if you have a big family that loves GAP clothes, you can benefit immensely from the GAP Visa.

The GAP Visa card offers a very generous reward scheme, giving you 5 points for every $1 that you spend at GAPAthleta, Old Navy, and Banana Republic. You’ll only earn 1 point for every $1 spent elsewhere, but if you use the card just for purchases at these four stores, you’ll reap the rewards.

If you’re preparing a big shop at the GAP, Old Navy, Athleta or Banana Republic, we recommend waiting until you have the card in your possession. You will be given a 20% discount when you first sign up and can also get free shipping when ordering online.

The Home Depot Consumer Credit Card

If you have a credit score higher than 550, there’s a chance you will be offered the Home Depot credit card, and if that score creeps above 600 then you will almost certainly qualify. There is no annual fee to pay with this open-loop store card, and the APR range can go as low as 17.99%, which isn’t all that bad for a store card, and as high as 26.99%, which is closer to the norm.

The biggest issue here, however, is the lack of a rewards scheme. Simply put, you swap easier accessibility and a lower regular APR for a rewards program, and it’s up to you to decide if that’s a worthwhile swap.

There are some cash and reward benefits to this card, however. If you spend more than $1,000 on your first purchase, you will get $100 back, and you can use it to get 0% APR for 6 months on purchases over $299.

It’s a financing card as opposed to a rewards card, but if you’re looking for a new credit card, need to build credit, and are looking to make some big purchases at Home Depot, it’s worth a shout. 

Assuming you qualify for the card and it won’t reduce your credit score too much, it could be worth looking into if you have some big home improvements on the horizon, in which case Home Depot may become your second home.

Costco Anywhere Visa by Citi

The Costco Anywhere Visa always deserves a mention on any list of the best store cards and is worthy of inclusion on lists of the best general credit cards. Offered by Citi and branded with the famous Visa logo, Costco Anywhere Visa is a no-annual-fee credit card with a decent annual percentage rate and a cash back ratio that offers as much as 4% on specific purchases.

The biggest surprise with this credit card is that the highest rates are not offered for money spent at Costco. In fact, you will get 4% (up to $7,000) when you spend money at gas stations, 3% at restaurants and travel, and just 2% at Costco and All other purchases, including all extra money spent above $7,000 on gas, will earn you 1%.

The Costco Anywhere Visa also offers an annual reward certificate that you can redeem at Costco.

But for all the benefits of this card, there are a few downsides.
Firstly, you need to be a Costco member to sign up for the Costco Anywhere Visa. Secondly, while the APR is acceptable, there is a maximum penalty APR of 29.99% if you fail to meet your payments on time. There is also a cash advance fee of 5% and a minimum late payment fee of $40.

Last but not least, there is no 0% introductory rate, and this applies to both purchases and balance transfers. This is not unusual for retail store cards and branded cards, but it’s always a welcome sight.

Bottom Line: Top Business Card

The Staples card is not a traditional business card in the sense that you don’t need to have a big business or a lot of capital. You don’t even need an office space and employees, as the Staples business card will also suit hard-working freelancers operating out of home offices. 

Such individuals still need computers, desks, paper, and other supplies, and while they don’t need them in huge quantities, they need enough of them to make the Staples card worthwhile.

What’s more, the Staples card carries much less risk than a traditional business credit card and may, therefore, be better suited write essay online to a small business.

If you fit that mold and spend a lot of money at Staples, apply today. But remember, Staples won’t always have the cheapest or best equipment and the Staples card doesn’t necessarily offer the best rewards. Look at the cards outlined above, include a few general reward cards in your search (American Express Blue Cash Preferred, Amazon Prime Visa, Chase Freedom) and apply only when you’re convinced you’ve found the right one for you.