Full Review

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 $19.49 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.

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.