The Best Credit Card for a Landscape Design Business
The best credit card for your landscape design business gives you instant buying power. Better yet, you get rewarded for things you’re already paying for.
Our top three picks are:
- Ink Business Unlimited: Best for day-to-day spending. Flat 1.5% cash back with no caps, a $900 bonus, and no annual fee.
- Wells Fargo Reflect Card: Best for large purchases. Offers 21 months of 0% annual percentage rate (APR), so you have time to invest in growth without interest.
- U.S. Bank Triple Cash Rewards: Best for industry-specific rewards. Earn 3% back on gas, meals, office supplies, and phone services.
Covering your landscaping business expenses with a best-fit credit card gives you a ton of benefits. But different cards come with different perks and drawbacks.
Some cards reward all those gas station runs. Others offer long 0% APR windows. These are excellent for financing big jobs or investing in new equipment.
In this guide, we’ll help you learn how to determine which credit card is right for your business, plus:
- Why credit cards are useful in landscape design
- The top credit cards for real business use
- What to look for in a business card
- How to choose and manage the right card for your company
Let’s get into it.
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Why Credit Cards Matter for Landscaping Businesses
To run a business, you need to put in money up front. Plants, fuel, stones, mulch, tools. These things don’t pay for themselves. And nothing gets done without them.
The problem? Not all jobs pay out right away. This is where a credit card helps.
A business credit card gives you buying power when you need it. You can cover costs, manage cash flow timing, and earn rewards along the way.
The benefits of credit cards for contractors and design-build firms include:
Seasonal Cash Flow & Credit Flexibility
In many parts of the U.S., landscaping is seasonal. Spring and summer see your schedule packed. In fall and winter, things quiet down.
This cycle leads to uneven cash flow. And that can have serious consequences.
Did you know?
- 45% of small business owners can’t pay themselves because of cash flow issues.
- 22% can’t pay their bills.
- 17% are unsure whether they can keep their business running.
Used responsibly, credit cards bridge the gap. They offer you credit flexibility, so you don’t have to wait for a check to clear to make a purchase.
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Equipment & Material Financing
Obviously, you need equipment and materials for every job. That could be concrete for hardscaping or lighting for design builds. Even maintenance work demands fuel in your truck.
And as you already know, none of this comes free.
Using one of the best business credit cards for landscaping companies does two things:
- It gives you time to pay the expense off (especially if you have a 0% APR card).
- It allows you to invest in growing your business.
Let’s say you land a $25,000 project but need to rent equipment and buy plants to get started. A credit card can cover those upfront costs. Once the job pays out, you pay the card.
If you didn’t have a credit card, you might’ve been forced to say no to the job. But with one, you can expand the type and scope of work you can take on.
Points & Perks You Can Actually Use
If you’re like most landscaping businesses, you spend a lot of cash on a few key categories:
- Travel
- Tools
- Equipment
Some cards give you points and perks that make these expenses cheaper.
Other cards rack up points, which you can spend on things like travel or use to lower your balance.
How Do Fuel Rewards Credit Cards Work?
Some of the best credit cards for small businesses give you cash back on fuel purchases. For example, the U.S. Bank Triple Cash Rewards credit card gives you 3% cash back on gas.
This is a great way to reduce the cost of one of your biggest operational expenses.
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The Top Credit Cards for Landscape Design Pros
A credit card can smooth out cash flow. At the same time, it can give you money back on daily business expenses. Win-win.
Here are our top picks.
Best for Fuel & Travel Rewards
Want cash back on fuel and travel rewards? Consider these credit cards:
Spark 2% Cash from Capital One
Here are the detail:
- APR: 24.99% variable
- Rewards: 2% cash back on all purchases; 5% on hotels and rental cars through Capital One Travel
- Bonus: $1,000 after spending $10,000 in 3 months
- Annual fee: $0 first year, then $95
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
Fuel, hotels, and truck rentals are common costs. This card earns cash back across all categories and higher rates on travel.
Blue Cash Everyday Card from American Express
Here are the details:
- APR: 0% for 15 months on purchases and balance transfers; 19.99%-28.99% variable after
- Rewards: 3% at U.S. gas stations, supermarkets, and online retail (on up to $6,000 per category per year, then 1%)
- Bonus: None
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
Fuel is a major expense when you’re constantly driving back and forth to various project sites. This card gives 3% back at the pump. It also rewards common office and supply purchases with no annual fee.
Best for Equipment & Large Purchases
If you’re planning to use a business credit card for large purchases, here are the best options to consider:
Capital One Quicksilver Cash Rewards Credit Card
Here are the details:
- APR: 0% for 15 months; 18.99%-28.99% variable after
- Rewards: 1.5% cash back on all purchases; 5% on hotels and rentals booked through Capital One Travel
- Bonus: None
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
Large material orders and equipment purchases earn 1.5% back. And the 15-month interest-free window gives your business time to pay off big costs.
Best for 0% Intro APR Financing
A 0% APR means you can buy something now and pay it off over time without paying interest. Usually, this is a short-term offer that ends after a set number of months.
After the 0% APR window closes, regular interest rates kick in.
Wells Fargo Reflect Card
Here are the details:
- APR: 0% for 21 months on purchases and balance transfers; 16.99%-28.74% variable after
- Rewards: None
- Bonus: None
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
This card offers the longest 0% APR period available. It gives you nearly two years to pay off major expenses.
Chase Freedom Unlimited Credit Card
- APR: 0% for 15 months; 18.74%-28.24% variable after
- Rewards: 5% on travel through Chase, 3% on dining and drugstores, 1.5% on all other purchases
- Bonus: $200 after spending $500 in 3 months
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
The intro APR can help you cover big costs. Plus, the cash back gives you returns on other expenses.
U.S. Bank Shield Visa Card
Here are the details:
- APR: 0% for 24 billing cycles; 17.49%-28.49% variable after
- Rewards: Limited to U.S. Bank Travel Center purchases
- Bonus: None
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
It’s a good pick for long-term interest-free financing. Plus, it has no fees.
Best for Cash Back on Everyday Business Expenses
If you don’t have a big purchase in mind and just want cash back on daily purchases, these cards could be a good fit.
Ink Business Unlimited Credit Card
Here are the details:
- APR: 0% for 12 months, then variable
- Rewards: Unlimited 1.5% cash back on all purchases
- Bonus: $900 after spending $6,000 in 3 months
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
You earn flat-rate cash back on fuel, materials, software, and more. With no caps or limits, it’s a simple option that grows with your business spend.
U.S. Bank Triple Cash Rewards Visa Business Card
Here are the details:
- APR: Intro 0% for a set period (terms apply); 17.49%-26.74% variable after
- Rewards: 3% at gas stations, restaurants, office supply stores, and phone services; 1% elsewhere
- Bonus: $750 after spending $6,000 in 180 days
- Annual fee: $0
- Learn more: Here
Why it’s one of the best credit cards for landscape design businesses:
This card gives you cash back on what you actually spend money on.
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How Do the Best Credit Cards for Landscaping Businesses in 2025 Compare?
For a quick look at how our recommended credit cards compare, check out this table that sums up the details:
| Card | Best For | Key Perks | Intro APR | Annual Fee |
| Spark 2% Cash from Capital One | Fuel & travel rewards | 2% on all purchases; 5% on hotels/rentals via Capital One Travel | None | $0 first year, then $95 |
| Blue Cash Everyday Card from Amex | Gas & supply purchases | 3% at gas stations, supermarkets, online retail (up to $6,000/category) | 0% for 15 months | $0 |
| Capital One Quicksilver | Large purchases | 1.5% on all purchases; 5% on travel via Capital One | 0% for 15 months | $0 |
| Wells Fargo Reflect Card | Longest intro APR | None | 0% for 21 months | $0 |
| Chase Freedom Unlimited | Intro APR + rewards | 5% on travel, 3% dining/drugstores, 1.5% on all else | 0% for 15 months | $0 |
| U.S. Bank Shield Visa Card | Low-cost financing | Select travel rewards | 0% for 24 billing cycles | $0 |
| Ink Business Unlimited | Flat-rate cash back | 1.5% cash back on all purchases | 0% for 12 months | $0 |
| U.S. Bank Triple Cash Rewards | Cash back on business expenses | 3% on gas, restaurants, office supplies, phone; 5% travel; $100 software credit | 0% (terms apply) | $0 |
How to Choose the Right Card for Your Landscape Design Business
To help you choose a credit card that benefits your landscape design business the most, let’s review a few FAQs.
How Do I Pick the Best Business Credit Card for My Landscaping Company?
Start by looking at your biggest expenses. You want to maximize rewards for those.
Next, look at the introductory APR.
If you’re planning a large expense, like buying equipment or launching a new service, 0% interest gives you time to pay it off.
Pro tip: If you are planning a large expense, go for a credit card with a longer 0% APR window. Make sure you can afford to pay off the expense before you’re charged interest.
For example, say you make a $10k purchase. Your card has a 12-month 0% APR window. Check that you can afford about $830 per month in repayments to avoid interest.
Finally, compare fees. At first glance, a $0 annual fee might be the way to go. But sometimes, better rewards outweigh an annual fee, as long as you spend enough.
Can I Use a Personal Credit Card for Business Expenses?
You can use a personal credit card for business expenses. But it’s not a wise idea.
Mixing business and personal charges makes it harder to track spending. It also raises red flags if you get audited. More importantly, personal cards don’t build business credit.
Good credit can lead to better financing for things like equipment or larger business loans.
Why Is Responsible Small Business Credit Card Use Important?
Paying your card on time and keeping your balance low helps build business credit. With poor business credit, you might not be able to access other lines of credit later on.
Good credit can also lower your interest rates, increase your credit limits, and improve terms with vendors.
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Tips for Managing Business Credit Cards Effectively
Credit cards are a double-edged sword.
On the one hand, they give you spending flexibility and come with profit-boosting perks. On the other hand, they carry risk.
If you don’t pay off your card in time, you’ll be charged high interest rates. And thanks to compound interest, your debt can quickly snowball.
Here are some tips to get the most out of your card:
- Use one card for business only. Do not make personal purchases on your business card. This makes taxes easier.
- Set spending limits for employees. Most cards let you control how much staff can spend. This prevents surprise charges you can’t cover.
- Track rewards and statement credits. Log what rewards, travel credits, and cash back you earn. This will help you keep track and redeem them before they expire.
- Review your statements every month. Look for vendor errors or missed rewards. Use your card’s mobile app or dashboard to stay updated.
- See the bigger financial picture. Use tools like DynaScape Manage360 to track your spending and manage growth. Use data to make intelligent financial decisions that future-proof your success.
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Next Steps for Getting Started with a Credit Card for Your Landscape Design Business
Are you ready to take the plunge and sign up for a business credit card? Here are a few next steps you can take to set yourself up for success:
- List out your biggest monthly expenses. This will show you where rewards can be most effective. Then, rank the most important features.
- Compare three to four card options. Look at APR, bonus offers, cash back rates, and other perks.
- Order your business credit profile. Some cards require excellent credit.
- Apply when you’re ready, but only once. Too many applications in a short time can lower your credit score.
