Office Depot OfficeMax Business Credit Card Review for 2024
Office Depot® OfficeMax® Business Credit Card, issued by Citibank N.A., is best for those who shop at Office Depot and OfficeMax frequently, with credit scores that range from 640 to 850. It offers a $50 credit on your first purchase of $150 or more. It also has flexible payment terms, making budgeting easier, especially for those using business credit cards for the first time.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Office Depot® OfficeMax® Business Credit Card
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who regularly make purchases at Office Depot and OfficeMax
- 2% back on supplies, furniture, technology, and other eligible items
- Members-only savings that are only available to Rewards members, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases
- $2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)
Pros
- With rewards for new and existing cardholders
- Available to applicants with Fair credit
- Charges $0 annual fees
Cons
- Need for you to be enrolled in the Rewards Program to get cashback rewards
- Can only be used at Office Depot and OfficeMax stores
- Office Depot® OfficeMax® Rewards Program: A free program where active members can get up to 2% cashback in rewards on their go-to supplies, furniture, equipment, and more.
- Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.
- 2% back on supplies, furniture, technology, and other eligible items
- Members-only savings that are only available to Rewards members, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases
- $2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)
Pros
- With rewards for new and existing cardholders
- Available to applicants with Fair credit
- Charges $0 annual fees
Cons
- Need for you to be enrolled in the Rewards Program to get cashback rewards
- Can only be used at Office Depot and OfficeMax stores
- Office Depot® OfficeMax® Rewards Program: A free program where active members can get up to 2% cashback in rewards on their go-to supplies, furniture, equipment, and more.
- Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.
When grading business credit cards like the Office Depot® OfficeMax® Business Credit Card, we first consider the ongoing and introductory rewards. We also take into account the annual fee, introductory and ongoing annual percentage rates (APRs), and other card benefits.
- Those who purchase office supplies at Office Depot and OfficeMax regularly: Cardholders who regularly shop for office supplies at Office Depot and OfficeMax will receive exclusive offers and special savings.
If this card isn’t the best fit for your business, see our recommended alternatives below.
Office Depot® OfficeMax® Business Credit Card Rewards
Business owners can apply for the Office Depot® OfficeMax® Rewards Program for free. It offers the following benefits:
- $50 off on your first purchase of $150 or more (through statement credit) within the first 60 days of opening an account
- 2% back on supplies, furniture, technology, and other eligible items
- $2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)
- Rewards for product reviews on up to a maximum of three reviews per month
- Rewards members-only savings, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases
You can unlock VIP status by spending $500 or more within a 365-day period. Those with VIP status can earn the following rewards:
- 5% in rewards on ink, toner, paper, and print services
- Free delivery with no minimum purchase required (excludes most furniture, oversize items, and special order items)
- Exclusive VIP perks, such as birthday offers
Office Depot® OfficeMax® Business Credit Card Calculator
Use our calculator to compute the potential rewards you might earn from using the Office Depot® OfficeMax® Business Credit Card. Input your projected monthly spending per category—and let our calculator do the rest.
How To Redeem Office Depot® OfficeMax® Business Credit Card Rewards
Rewards earned through the program are issued as a rewards certificate and can only be redeemed at an Office Depot or OfficeMax store. Note that reward certificates cannot be used on purchases of any gift or prepaid cards and can be redeemed up to a limit of three transactions in-store per day.
Office Depot® OfficeMax® Business Credit Card Features
- Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.
- Flexible payments: Take advantage of flexible payment options: Carry a balance or choose to pay in full. Learn more about this feature by visiting an Office Depot OfficeMax store or by calling (800) 729-7744.
Office Depot® OfficeMax® Business Credit Card Fees
APRs
- Ongoing: 23.99%
- Cash advance: 29.90%
- Default APR: 29.99%, which will trigger if you are under any card agreement with Office Depot® OfficeMax®
Fees
- Annual fees: None
- Minimum interest charge: $2
- Late payment fees:
- $15 on balances up to $100
- $29 on balances of $100 to $250
- $39 on balances of $250 and over
- Returned payment fee: $39
- Method of computing the balance: Daily (including new purchases)
Your due date is at least 20 days if you pay the total balance in full by the due date every billing period.
- Online: Business owners can pay their bills online.
- Phone: Call (800) 729-7744, Monday through Friday, 8 a.m. to 7 p.m. Eastern time.
- Mail: You can mail your payment to:
Office Depot OfficeMax
PO Box 78004
Phoenix, AZ 85062-8004
Office Depot® OfficeMax® Business Credit Card Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
0% APR for 15 billing cycles
On US Bank’s Secure Website
Regular APR
19.24% – 28.24% (Variable)
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% – 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Regular APR
19.24% – 28.24% (Variable)
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner’s card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% – 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® if you need a card that offers a 0% introductory period on both purchases and balance transfers for the first 15 billing cycles, It also lets you divide eligible payments into monthly installments through U.S. Bank’s ExtendPay® Plan.
Emburse Spend Card
If you do not want to incur interest charges on your card, then the Emburse Spend Card is an excellent alternative. It has no additional fees or interest charges, and it also lets you earn fixed-rate cash back rewards on all purchases.
American Express Blue Business® Plus
The Blue Business® Plus Credit Card from American Express
Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
on The Blue Business® Plus Credit Card from American Express’s secure website.
Intro APR
0% on purchases
Regular APR
18.49% – 26.49% Variable
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
18.49% – 26.49% Variable
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
The Office Depot® OfficeMax® Business Credit Card lets you earn cash back rewards only on selected spending purchases. If you wish to earn points rewards with no category restrictions and intend to spend beyond your credit limit through the expanded buying power, then we recommend the American Express Blue Business® Plus.
Frequently Asked Questions (FAQs)
You can apply online to secure the Office Depot® OfficeMax® Business Credit Card.
Office Depot & OfficeMax physical branches are located in Washington, D.C., and the following states:
- Alabama
- Alaska
- Arkansas
- Arizona
- California
- Colorado
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Virgin Islands
- Wisconsin
- West Virginia
- Wyoming
Bottom Line
Office Depot® OfficeMax® Business Credit Card is a small business credit card best for those who frequently shop at Office Depot and those with fair credit who are trying to build their credit scores. Keep in mind that you cannot use this card to make purchases from other merchants.
