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Being a dentist is a rewarding career, but it can also be expensive. From marketing and advertising to equipment and supplies, there are a lot of costs associated with running a dental practice. That’s why it’s important for dentists to have a good credit card that can help them save money on these expenses. And these credit cards are good for dentist visits too.
The Best Credit Cards for Dentists
As with some of the best Chase credit cards, these best credit cards for dentists can help you earn bonus points on the purchases you make to keep your business humming and patients happy.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
1. Ink Business Preferred Credit Card
The best all-around business credit card for dentists is the Chase Ink Business Preferred® Credit Card. This is because it does a good job of offering bonus points on your large purchases and you have flexible point redemption options.
You can benefit from this card, one of the best credit cards for travel miles, for the following purchases:
- Advertising on Search Engines and Social Media
- Internet, cable and phone services
On these four purchase categories, you earn 3 Chase Ultimate Rewards Points on the first $150,000 in combined spending. All other purchases earn an unlimited 1 point per dollar spent. While earning up to 3 points on each dollar you spend is great, you also have some of the most valuable and flexible redemption options.
Each point is worth one cent each for cash rewards, gift cards, and Amazon shopping credit. But redeeming your points for award travel is better. Your points are worth 1.25 cents each when booking travel with Chase.
Or, you can transfer your points directly to airlines and hotels like United, Southwest Airlines, and Hyatt where your points can be worth more than 1.25 cents each by booking travel directly through the carrier.
New Ink Business Preferred® Credit Card cardholders can earn 100k bonus points after spending $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Before you apply, know that any Chase Ink business credit card is subject to the Chase “5/24 Rule.” If you have at least five new credit cards in the most recent 24 months, your Ink Business Preferred application will be declined.
2. American Express Business Gold Card
The American Express® Business Gold Card lets you earn American Express Membership Rewards points. This card is a solid option if you want to earn bonus points on advertising purchases. You can earn up to 4x bonus points on TV, radio, and online advertising. You can choose two bonus categories to earn 4 points per $1 for the first $150,000 spent annually.
Only the top two categories in each billing cycle will count towards the $150,000 cap. Categories include:
- U.S. purchases at electronic goods retailers and software & cloud system providers
- Monthly wireless telephone service charges that are made directly from a wireless telephone service provider in the U.S.
- Transit purchases including trains, taxicabs, rideshares, ferries, tolls, parking, buses, and subways
- Purchases at U.S. media providers for advertising in select media (online, TV, and radio)
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
Additionally, American Express Travel purchases through amextravel.com will now earn 3x points per $1.
All annual spending above $150,000 for the bonus categories and all non-bonus spending earns an unlimited 1x point per $1.
American Express Business Gold cardholders also have access to a Pay Over Time Option that lets cardholders decide whether they want to pay for their eligible purchases in full each month or pay over time with interest (terms apply).
New American Express® Business Gold Card cardholders can earn 70,000 points after spending $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
The annual fee is $295 ($375 if the application is received on or after 2/1/24; See Rates & Fees).
3. The American Express Blue Business Cash Card
You might prefer earning tiered cash-back rewards. The American Express Blue Business Cash™ Card does just that.
Cardholders earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
Some of the possibilities include advertising, plane tickets, hotel rooms, computer technology services, and dining or gas stations.
When you need to exceed your credit limit with a large purchase, you can do so 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 American Express, and other factors.
These bonuses can help with costly overhead fees, making this one of the best credit cards for dentists.
This card has no annual fee (See Rates & Fees).
4. Ink Business Cash Credit Card
If you want to maximize your office-related purchases, the Ink Business Cash® Credit Card doesn’t charge an annual fee. It’s also possible to earn more on certain purchases than the Chase Ink Business Preferred, which charges an annual fee. The Ink Business Cash is one of the best Chase business credit cards.
It’s possible to earn 5% back on the first $25,000 spent on combined purchases each card anniversary year at:
- Office supply stores
- Phone, internet, and cable providers
You also get 2% back on the first $25,000 in purchases at gas stations and restaurants. All remaining purchases earn 1% back. Your benefits don’t expire and there is no annual fee to worry about.
It’s possible to redeem your points for travel rewards, cash rewards, or gift cards. Your points are worth 1 cent each. Since this card doesn’t charge an annual fee, you don’t get a travel redemption bonus or 1:1 point transfers like the Ink Business Preferred.
New Ink Business Cash® Credit Card cardholders can earn a $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.
5. Capital One Spark Cash for Business
The information for the Capital One Spark Cash for Business has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
If you want to earn unlimited 2% cash back on every purchase, the Capital One Spark Cash for Business can be for you. This can be a better option when your purchases don’t easily fit into tiered bonus categories.
There isn’t a redemption minimum, so you can redeem your rewards in any amount. Plus, you can earn a $500 cash bonus after spending $4,500 in the first 3 months of account opening. The Spark Cash doesn’t charge a foreign transaction fee. Also, the annual fee is $0 for the first year but $95 for each card renewal.
If you don’t spend enough to justify the $95 annual fee, you can also opt for the no annual-fee Capital One Spark Cash Select for Business which earns an unlimited 1.5% back and doesn’t charge a foreign transaction fee either. The Capital One Spark business card options are plentiful, which can help you find the right card for you.
6. Chase Ink Business Unlimited Credit Card
If you’re loyal to Chase, the Ink Business Unlimited® Credit Card earns 1.5% back on every purchase. It doesn’t charge an annual fee but has a 3% foreign transaction fee.
Cardholders may redeem rewards for cash back, gift cards, travel, and more through the Chase Ultimate Rewards portal.
Employers can set individual spending limits for greater control and earn rewards faster with employee cards that come at no extra cost. Fraud protection is also included with the card as well as zero fraud liability. Cardholders won’t be held responsible for unauthorized charges made with their card or with their account information.
New Ink Business Unlimited® Credit Card cardholders can earn a $900 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.
Like the other Chase Ink Business credit cards, this one is subject to the Chase 5/24 Rule. You should apply if you have fewer than 5 new credit card accounts in the most recent 24 months.
Summary of the Best Credit Cards for Dentists
What office, advertising, and travel purchases you make determine which card is best for you. The next time you book your next continuing education conference or you want to promote a new service, these cards can help provide a higher return on investment. Hopefully one of these best credit cards for dentists can be helpful.
For rates and fees of the American Express® Business Gold Card, please click here.
For rates and fees of The American Express Blue Business Cash™ Card, please click here.