9 Best Business Credit Cards of July 2025
We evaluated more than 40 business credit cards to find the best options for small businesses. Our top picks offer rich ongoing rewards and business-friendly benefits.
Apply nowBest Business Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card on Chase's website |  BEST SMALL BUSINESS CREDIT CARD OF 2025 | $0 | 1.5% Cashback | $750 | on Chase's website | |
| Pros
Cons
| ||||||
 Capital One Spark Cash Plus on Capital One's website | No preset spending limit | $150 | 2%-5% Cashback | $2,000 | on Capital One's website | |
| Pros
Cons
| ||||||
 Capital One Spark Cash on Capital One's website | No foreign transaction fees | $0 intro for the first year, then $95 | 2%-5% Cashback | $1,500 | on Capital One's website | |
| Pros
Cons
| ||||||
 The Blue Business® Plus Credit Card from American Express on American Express' website | AmEx membership points | $0 | 1x-2x Points | 15,000 Points | on American Express' website | |
| Pros
Cons
| ||||||
 Capital One Venture X Business on Capital One's website | Business travel card | $395 | 2x-10x Miles | 150,000 | on Capital One's website | |
| Pros
Cons
| ||||||
 Ink Business Cash® Credit Card on Chase's website | Office supplies and telecom | $0 | 1%-5% Cashback | $350 | on Chase's website | |
| Pros
Cons
| ||||||
 The American Express Blue Business Cash™ Card on American Express' website | New businesses | $0 | 1%-2% Cashback | $250 | on American Express' website | |
| Pros
Cons
| ||||||
 U.S. Bank Triple Cash Rewards Visa® Business Card on U.S. Bank's website | Intro APR period | $0 | 1%-5% Cashback | $500 | on U.S. Bank's website | |
| Pros
Cons
| ||||||
 Ink Business Preferred® Credit Card on Chase's website | Welcome offer | $95 | 1x-3x Points | 90,000 Points | on Chase's website | |
| Pros
Cons
| ||||||
Here are the best business credit cards
2025 BEST CREDIT CARD
SMALL BUSINESS
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Overall business credit card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for No preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,500
on Capital One's website
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash
Best for No foreign transaction fees
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,500
on Capital One's website
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for AmEx membership points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
on Capital One's website
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Venture X Business
Best for Business travel card
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
on Capital One's website
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for Office supplies and telecom
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
on Chase's website
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for New businesses
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Intro APR period
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
on Chase's website
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Best for Welcome offer
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
on Chase's website
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Other small-business credit cards worth considering
The cards above are top-in-class. They will deliver excellent value to any business owner. We chose them based on their star rating and how they stacked up against similar cards.
That left the following good (or even great, in some instances) cards on the chopping block. We would still recommend these options if they fit your business's specific needs.
💳 Capital One Spark Cash Select
💳 American Express® Business Gold Card
💳 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
💳 Capital One Spark Miles for Business
💳 The Business Platinum Card® from American Express
💳 Chase Sapphire Reserve for Business℠
💳 Marriott Bonvoy Business® American Express® Card
💳 Wells Fargo Signify Business Cash℠ Card
💳 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Business credit card guide: Expert tips and advice
Choosing a business credit card
Your business's spending and goals should dictate your choice of business credit card. A simple cash-back option with no annual fee is a great choice for most companies. (It's also a good default if you're facing decision fatigue.) Other decision factors include:
1. Eligibility requirements
2. Types of rewards
3. Spending categories
4. Extra card perks
5. Welcome bonus
6. Intro APR period
7. Card fees
8. Impact on personal credit score
9. Credit card, charge card or corporate card
10. Employee cards
Types of business credit cards
Business credit cards: Benefits and drawbacks
A business credit card can build your business credit
Pros
Build your business credit history.
Earn rewards for business spending.
Keep business and personal expenses separate.
Ability to issue employee cards; manage spending with custom controls.
Cons
Most business cards require a personal guarantee.
You need good/excellent personal credit to qualify.
Interest rates are high compared with business loans and lines of credit.
Business cards have fewer federal protections than consumer credit cards.
What you need to apply for a business credit card
Applying for a business credit card is pretty straightforward. Business credit card requirements
- Business name. No formal business name? Just use your name.
- Business contact information. If you don't have a separate business address and phone number, don't sweat it. Your personal address and phone number are just fine.
- Employer identification number or Social Security number. You can
get a business credit card without an SSN - Industry. This can be a broad — like retail, medical or professional services — or more specific. If you're stumped, think about the service you provide. Drive for Uber? That's transportation. DoorDash or Grubhub? That's delivery.
- Business type. Corporation, LLC, partnership or sole proprietorship. Businesses without a formal or legal business structure can choose “sole proprietor.”
- Time in business, revenue and expenses. If your
business has no annual revenue - Personal guarantee. The majority of small-business credit card applications require a personal guarantee. This means you have to pay the balance on your business card even if your company goes belly up. Want to
avoid the personal guarantee
4 tips to maximize business credit card rewards
How we rate the best business credit cards
NerdWallet evaluates business credit cards on more than a dozen factors, including annual fee, welcome bonus, rewards rate, bonus categories and intro APR period. Business cards need to earn at least 4.5 stars or be the best in their category (corporate cards, for example) to make our list of best business credit cards.
We annually review more than 40 business credit cards, primarily widely available options from major issuers, including American Express, Bank of America, Capital One, Chase and U.S. Bank. We also evaluate a handful of cards from smaller issuers, including options like Capital on Tap and corporate cards like Brex and Ramp.
What our star ratings mean
Notes from card issuers
Frequently Asked Questions
Business credit cards are revolving lines of credit. They pair that access to capital with rewards on purchases, like cash back or points. Anyone with business income can get a business credit card. That includes gig workers, side hustlers and freelancers. Approval for these cards largely depends on an applicant's personal credit history.
Corporate cards, sometimes called company cards, are different. These cards usually aren't available to sole proprietors. They base approvals on business financials rather than personal credit history. You typically need revenue in the multi-millions to qualify. Options from fintech companies like Ramp and Brex, have more lenient requirements, though.
We picked the Ink Business Unlimited® Credit Card as the best business credit card. It combines straightforward rewards (1.5 on all purchases), a long intro APR period and a generous welcome offer. That marriage of simplicity and value is tough to beat. It make this card a good fit for new businesses and established companies alike.
Business credit cards support a company's greater level of spending. They have higher credit limits than personal credit cards — plus bigger sign-up bonuses. Rewards structures on small-business cards are different, too. Bonus categories align with common business expenses, like advertising or office supplies. There are also differences in consumer protections and credit reporting.
You don't need a formalized business to get a business credit card
Everyone from a CEO to a side hustler can get for a small-business credit card. You don't need to have a formal business structure, like an LLC or partnership. Freelancers, independent contractors and other sole proprietors (i.e., self-employed folks) can apply.
A business card is great tool to separate your business and personal finances and establish business credit history. When you use the card only for business spending, its interest and fees can be tax deductible
Methodology
NerdWallet's business credit card team selects the best small-business credit cards
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.