Top 13 Business Credit Cards to Save Big in 2025: A Complete Comparison

Chase Ink Business Cash is a fantastic choice for freelancers, bloggers, small business owners, and anyone aiming to maximize rewards with a $25,000 spending limit.

Sign-up Bonus: Earn $750 after spending $7,500 within the first three months.

Additional Rewards and Perks:

Annual Fee: $0

APR (Annual Percentage Rate): 0% introductory APR for 12 months on purchases. Afterwards, the variable APR ranges from 13.24% to 19.24%.

Recommended Credit Score: 670 to 850 (Good to Excellent).

Excellent for travel rewards and cash back incentives.

Chase Ink Business Preferred Credit Card is ideal for small business owners aiming to grow their companies by making larger purchases.

Sign-up Bonus: New applicants can earn 100,000 Ultimate Rewards points after making a purchase of at least $15,000 within the first three months. These points can be redeemed for $1,000 cashback or up to $1,250 for travel bookings through the Chase Ultimate Rewards portal.

Additional Rewards and Perks:

Annual Fee: $95

APR: 15.99% – 20.99% variable rate.

Recommended Credit Score: 670 to 850, covering good to excellent credit profiles.

Top Choice for Small Businesses with 0% Introductory APR

Sign-up Bonus: The Blue Business Plus Credit Card offers a noteworthy sign-up bonus for small business owners interested in a flexible rewards card with introductory 0% APR.From American Express, there is an offer to earn a sign-up bonus of 15,000 Membership Rewards points after you spend at least $3,000 within the first three months of opening the card.

Other Rewards and Perks include earning 2x points on the first $50,000 spent annually, followed by 1 point for every dollar spent afterward. Additional benefits include no extra fee for adding Employee Cards, automatic categorization of expenses in QuickBooks, and travel-related protections such as baggage insurance, secondary car rental insurance, and purchase protection. The card has no annual fee, offers a 0% introductory APR for 12 months on purchases, and then a variable APR between 13.24% and 19.24%. Suitable for individuals with a good to excellent credit score, ranging from 670 to 850.

The American Express Business Platinum Card is ideal for those prioritizing travel perks and rewards. This charge card requires full monthly payments and delivers a substantial sign-up bonus of 100,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months. It offers benefits such as earning 1.5x points on the first $5,000 of combined eligible spending, one point per dollar on other eligible purchases, and 5x points on flights and hotel bookings made through AmexTravel.com. Additional perks include a 35% airline bonus, $200 airline fee credit, up to $200 annual Dell Technologies statement credit, $179 annual CLEAR membership credit, and $550 in benefits at over 1,100 hotels and resorts, including breakfast and late check-out options. Cardholders also receive complimentary access to over 1,300 airport lounges across 140 countries. The annual fee for this card is $595, and the variable APR ranges from 14.24% to 22.24%. It is recommended for individuals with a credit score of 690 to 850.

For more details and to apply, visit the respective links provided for each card.5. U.S. Bank Triple Cash Rewards Visa Business Card

Ideal for managing balance transfers.

The U.S. Bank Triple Cash Rewards Visa Business Card is particularly suitable for small to medium-sized enterprises.

Sign-up Bonus: Receive $500 cash back after spending $4,500 on the card within the first 150 days of opening your account.

Additional Rewards and Perks:

Annual Fee: $0

APR: Enjoy a 0% introductory rate for the first 15 months on purchases and balance transfers, followed by a variable APR of 13.99% to 22.99%.

Recommended Credit Score: Between 690 and 850, indicating good to excellent credit.

Designed for small business owners with less-than-perfect credit.

The Brex Card is suitable for companies of all sizes, especially those with limited credit history. It requires no annual fee or personal guarantee to apply. Instead of relying on your personal credit score, the card is approved based on your company’s financial data, which may include capital, credit history, or spending habits.

Sign-up Bonus: Earn 10,000 points after spending $3,000, with additional 20,000 points if you link your payroll or eCommerce platform.To Brex within the initial three months after opening your account.

Other Rewards and Benefits:
– Earn one point for every dollar spent, with no cap on the points and no expiration date.
– Make daily payments with the Brex card to earn 8 times the points on cab services (such as Uber, Lyft, taxis), 5 times on travel expenses, 4 times at restaurants, 3 times on eligible Apple purchases through the Brex Rewards Portal, and 1.5 times on online advertising.
– Benefit from technology rewards like 3 times on recurring software subscriptions and 3 times on eligible Apple purchases via the Brex Rewards Portal.
– Earn rewards on science-related expenses, including 8 times on conference tickets and 2 times on laboratory supplies.
– Receive partner perks valued over $150,000, which include $10,000 in credits for Freshworks products, up to $150 in Google Ads credits, and a 25% discount on 12 months of eligible Slack paid plans.

The annual fee for this card is $0, and there is no applicable APR. The suggested credit score range for applicants is from 300 to 850, spanning poor to excellent credit.

The Hilton Honors American Express Business Card is ideal for business travelers who frequently stay at Hilton hotels. It offers a variety of advantages such as elite status, priority booking, room upgrades, and exclusive offers. When you sign up, you can earn a bonus of 130,000 Hilton Honors points after spending $3,000 within the first three months, along with up to $100 in statement credits for eligible purchases made at any Hilton hotel during the first year.

Other Rewards and Benefits include earning 12 times the points on purchases made directly with Hilton hotels and resorts, 6 times on specific business expenses like gas and wireless services, 6 times on select travel purchases including at U.S. restaurants, flights booked through Amex Travel, or car rentals from authorized companies, and 3 times on all other purchases. Additional perks include room upgrades, an 80% bonus on base points, global entry, TSA PreCheck, and no foreign transaction fees. The annual fee is $95, with a variable APR ranging from 15.74% to 24.74%. The recommended credit score is between 670 and 850, classified as good to excellent credit.

For frequent Marriott travelers, the Marriott Bonvoy Business American Express Card is a strong choice. It offers excellent travel savings at Marriott properties, with a sign-up bonus of 75,000 Marriott Bonvoy points after spending $3,000 in the first three months, plus up to $150 cashback on qualifying purchases during the same period.

Key Rewards and Benefits include earning 6 times the points at eligible Marriott Bonvoy hotels, 4 times at restaurants, gas stations, shipping services, and wireless providers, and 2 times on other select purchases. Every year, you receive one free night after card activation, with an additional free night after spending $60,000 annually. Marriott Bonvoy points can be redeemed for flights and car rentals worldwide through various travel partners. Cardholders also enjoy late checkouts, a 10% bonus on points for each stay, complimentary internet in Marriott Bonvoy Hotels, and coverage for trip-related issues like lost or damaged luggage, theft, and rental car damages. The annual fee is $150, with a variable APR between 15.74% and 24.74%.APR.

Suggested Credit Score: 690 – 850 (Good to Excellent).

Ideal for earning consistent cash-back on all purchases.

This card rewards small business owners with a flat 2% cash-back on all spending, with no caps or category restrictions. It also provides a virtual card to enhance security, auto-pay options for subscriptions coupled with detailed expense reports compatible with Excel, QuickBooks, and Quicken. Employee cards are available at no extra cost, with spending limits set for control. Additionally, there are no foreign transaction fees. The annual fee is waived for the first year, then costs $95 each year. The APR varies between 20.99% and 29.44%. A recommended credit score range is 670 – 850 to qualify comfortably.

Best cashback card for small businesses.

This card is ideal for small business owners earning rewards through cashback on office supplies and service store purchases. It offers a $750 cashback bonus when you spend $7,500 within the first three months after opening your account. The card provides 5% cashback on the first $25,000 spent annually on office supplies, internet, cable, and phone services; 2% cashback on gas and dining up to the same limit; and 1% cashback on all other expenses. Employee cards come at no extra cost, and additional features include purchase and fraud protection along with customized alerts. The annual fee is $0, and there’s a 0% intro APR for the first year, then a variable 13.24% – 19.24%. The recommended credit score range is 690 – 850.

Best for low-interest rate convenience.

The US Bank Business Platinum Card is a solid choice for contractors, freelancers, and small business owners. It provides a low or no-interest rate on balance transfers, along with online reporting tools to track expenses. Cardholders can also use contactless payments via mobile devices like Apple Pay, Google Pay, or Samsung Pay. While it lacks a rewards or welcome bonus, it offers a zero-dollar annual fee. The introductory APR rate is 0% for the first 18 billing cycles, after which the rate varies from 11.99% to 20.99%. The recommended credit score is between 720 and 850.

Top choice for frequent Delta travelers.

Delta SkyMiles Reserve Business American Express Card offers a variety of benefits, including premium customer service, priority entry at airports, and more.

Sign-up Offer: Receive 60,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs). Additionally, enjoy a $100 statement credit when you spend $4,000 within the first three months of account opening.

Additional Rewards and Perks:

Annual Fee: $550

APR: 15.74% to 24.74% variable APR.

Recommended Credit Score: 690 to 850 (Good to Excellent).

Ideal for balance transfers and low-interest rates.

Sign-up Bonus: Slate Edge from Chase waives balance transfer fees for the first two months after opening an account.

Additional Rewards and Advantages:

Annual Fee: $0

APR: 0% introductory for 15 months, then 14.99% to 23.74% APR afterwards.

Recommended Credit: 690 to 850 (Good – Excellent).

A business credit card is similar to a personal credit card but designed specifically for business use. It allows you to make purchases for your company while often offering extra rewards for travel and business-related expenses. As long as you pay the balance in full each month, you won’t incur interest charges on your business spending.

If you’re self-employed or own a small business, having one or two business credit cards is essential. They can help you manage your cash flow, providing extra purchasing power to stock inventory, upgrade your physical location, or participate in trade shows. Business credit cards can also offer discounts, rewards, and other perks that support your company’s growth.

Here are some reasons why securing a business credit card is important:

Using a dedicated business credit card makes it easier to track expenses, keeping your finances organized and simplifying accounting. Maintaining distinct card accounts and bank accounts for business and personal use helps you see exactly where your money goes each month, especially for expenses like travel, client entertainment, supplies, and other operational costs.

Business credit cards often provide rewards, points, or cashback on purchases, which can be used for travel, office supplies, or other business needs. For example, the Chase Ink Business Cash card offers 5% cashback at office supply stores on the first $25,000 spent. Besides earning rewards, these cards can serve as a valuable source of capital as your business expands.You can quickly increase your company’s credit lines or make withdrawals from your account whenever necessary.

Using a business credit card offers advantages such as higher spending limits and additional services, giving you more purchasing power. These increased limits can allow for larger payments on important business expenses, helping your business grow.

Business credit cards also come with attractive sign-up bonuses. They are a great way to earn rewards on your business spending, often featuring introductory offers like cash-back or travel rewards as a bonus. For example, the Chase Ink Business Preferred Credit Card offers up to $1,000 cash-back when you spend $15,000 within the first three months of opening the account. Such generous bonuses can be highly beneficial and profitable for small businesses.

Small enterprises, including freelancers and home-based companies, need steady cash flow to manage resources effectively. Business credit cards assist these small entrepreneurs in maintaining financial responsibility while providing essential funds for ongoing expenses and income. They can also help establish your company’s credibility and enable access to further financing through a revolving line of credit.

Using one of the top business credit cards is a quick way to build your company’s financial reputation. As long as you make payments on time and stay within your credit limit, your business’s credit rating will improve. This can lead to better loan terms and lower interest rates for future borrowing.

The fundamental difference between business credit scores and personal credit scores is that business scores are used specifically to assess a company’s creditworthiness, while personal scores help identify individuals. A business credit score is a statistical measure of a company’s reliability, based on factors like payment history, cash flow, assets, and profitability, and is maintained by bureaus like Dun & Bradstreet, Equifax, and Experian. Conversely, personal credit scores are three-digit numbers generated from your credit report by agencies such as TransUnion, Equifax, and Experian to evaluate your personal credit risk. A high personal score can help secure better loan or mortgage rates, whereas a poor score might lead to higher borrowing costs.

When managing a small business, handling finances and budgeting can be challenging, especially if taking out traditional loans doesn’t seem convenient. Business credit cards are an ideal solution for many sole proprietors, partnerships, freelancers, and those working from home. Before applying, it’s essential to choose a card suited to your specific needs and circumstances.

Selecting the right business credit card doesn’t have to be difficult. Consider your business needs carefully and identify what features will support your company’s growth and operations. Key aspects to evaluate include the introductory APR, annual fee, rewards and sign-up bonuses, and potential foreign transaction fees.

For example, when looking at an introductory APR, consider whether the card offers a lower interest rate for an initial period—many provide a 0% APR for nine to twelve months, which can help build your credit score without accruing interest. The annual fee varies; some cards charge nothing, while others, like the Chase Ink Business Preferred, have a fee around $95 but compensate with sign-up bonuses and cash-back options.

Rewards programs should align with your business activities—whether earning travel points, cash-back, or merchandise—so that your spending rewards are meaningful. Also, be aware of foreign transaction fees, as these unexpected costs can significantly impact expenses if your business involves international transactions.If you frequently conduct business internationally, having a credit card with zero foreign transaction fees can be incredibly beneficial. These cards are especially suitable for companies that regularly operate outside the United States.

Purchase protection is another valuable feature of many credit cards. It can be a real lifesaver if you encounter damaged goods, issues with non-delivered products, or fraudulent activities. Most credit cards include some form of purchase protection, extending warranties or reimbursing you if a purchase is stolen or damaged. However, coverage and limits can vary among different cards.

Before applying for a business credit card, it’s important to gather all the necessary information. Knowing these requirements in advance can streamline the application process.

What do you need to apply? Here’s a rundown:
1. Your Business Name – This is essential. It represents the company you’re applying on behalf of. If you don’t have a registered corporation, your personal name will suffice.
2. Contact Details – Provide your business address, phone number, and email. If you’re operating from home, your personal contact information will do.
3. Industry Type – This describes your business activities. For instance, if you sell custom shoes, the industry is related to footwear or apparel.

Most application forms have drop-down menus with options for these fields—for example, selecting your business type or structure.

An example application form is that of the Marriott Bonvoy Business American Express Card. It asks for details such as your legal structure, tax identification number, number of employees, and annual income and expenses. Here are some specifics:
– Legal Structure – Indicate whether your business is a corporation, LLC, partnership, sole proprietorship, or other. If you’re a freelancer or self-employed without a formal business registration, select sole proprietorship.
– Federal Tax ID – Your nine-digit EIN issued by the IRS. Sole proprietors can use their Social Security Number instead.
– Business Age and Staff – Answer questions about your company’s duration in operation and staff size.
– Income and Expenses – Provide this info to help assess your ability to repay debts.

You do not need to have a DBA or formal LLC to qualify for a business credit card. Sole proprietors and partnerships are eligible, and having a sole proprietorship will not hinder your application.

Most lenders require you to sign a personal guarantee, which means personally promising to repay the debt if your business cannot. You will typically include your name and Social Security Number on the application or a separate guarantee document. Signing this makes you personally liable for the credit card debt.

Once your application is submitted, approval times are generally quick, especially for small business cards. Card issuers often review your personal credit score through your SSN or Tax ID and analyze your income and expenses. Many providers claim to approve applications almost instantly; for example, Capital One claims approval in just 60 seconds. However, if your credit score is low, it might take several weeks for approval.

In summary, selecting the right business credit card can greatly benefit your company. Look for options with rewards programs, low-interest rates, or categories aligned with your spending habits. A good business credit card not only helps build your credit history but also simplifies your personal finances.

Some top choices include:
– Chase Ink Business Cash: Ideal for cash-back and office supplies.
– Chase Ink Business Preferred: Great for travel rewards.
– Blue Business Plus Amex: Offers 0% introductory APR, suitable for small businesses.
– The Business Platinum Amex: Designed for travel perks and rewards.
– U.S. Bank Business Cash Rewards World Elite Mastercard: Good for balance transfers.
– Brex Card: Suitable for small business owners with lower credit scores.
– Hilton Honors Amex: Perfect if you frequently stay at Hilton hotels.
– Marriott Bonvoy Business Amex: Best for those who prefer Marriott accommodations.
– Capital One Spark Cash: Known for straightforward, flat-rate cash-back.
– Ink Business Cash Credit Card: Excellent for regular cash-back.
– US Bank Business Platinum Card: Focused on low-interest rates.
– Delta SkyMiles Reserve Business Amex: For travelers loyal to Delta.
– Slate Edge from Chase: Good for balance transfers and low-interest options.

Interested in other business finance topics? Check out these links:
– If you need a credit card and have limited or no credit, see my top picks for startup business credit cards with no credit requirements.
– Looking for a better bank? Explore my recommendations for business checking accounts suitable for LLCs.
– Need the right tax software? Review my list of the best options for small businesses.
– Want easier HR management? See my curated list of the best HR software tools.
– Searching for process automation tools? Read my roundup of the best BPM software solutions.