Best Business Credit Cards of September 2025
We evaluated close to 70 business credit cards to find the best options for small businesses. Our top picks offer rich ongoing rewards and business-friendly benefits.
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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
$900
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
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
Rates & Fees
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
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
Rates & Fees
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
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
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
Rates & Fees
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
Miles
on Capital One's website
Rates & Fees
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
Miles
on Capital One's website
Rates & Fees
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
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
on Capital One's website
Rates & Fees
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
$1,000
on Capital One's website
Rates & Fees
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
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
$900
on Chase's website
Rates & Fees
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
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points
Elevated Offer
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
The Business Platinum Card® from American Express
Best for Airport lounge access + travel credits
Annual fee
$895
Rewards rate
1x-5x
Points
Intro offer
200,000
Points Elevated Offer
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Best for Bonus category travel rewards
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Capital One Spark Miles for Business
Best for Flat-rate travel rewards
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash Select
Best for Unlimited 1.5% cash back
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Bonus categories that sync with your spending
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
Sapphire Reserve for Business℠
Best for Welcome offer
Annual fee
$795
Rewards rate
1x-8x
Points
Intro offer
200,000
Points
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- Annual travel credit
- Statement credit for Global Entry, TSA PreCheck® or NEXUS
- Airport lounge access for primary cardholder and guests
Cons
- High annual fee
- Complicated rewards
- Requires excellent credit
- Purchases that don't qualify for Flex for Business must be paid in full every month
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
$750
on U.S. Bank's website
Rates & Fees
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
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Cash-back boost (up to 75% more)
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
125,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Marriott Bonvoy Business® American Express® Card
Best for Hotel business card
Annual fee
$125
Rewards rate
2x-6x
Points
Intro offer
125,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Automatic elite status
- Free night reward on cardholder anniversary
- New cardholder bonus offer
Cons
- Rewards have limited flexibility
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Brex Card
Best for Corporate card
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Jump to
Other great small-business credit cards
The following cards are not available through NerdWallet. We still recommend them if they fit your business's needs.
💳 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
💳 Wells Fargo Signify Business Cash℠ Card
How we chose the best business credit cards
NerdWallet's editorial team evaluates business credit cards on more than a dozen factors. These include:
- Annual fee.
- Welcome bonus.
- Rewards rate.
- Bonus categories.
- Intro APR period.
Business cards need to earn at least 4.5 stars to make our list. We also consider cards below that number, but which are the best in their category (secured business cards, for example).
⭐ What our star ratings mean
Which business credit cards we consider
NerdWallet's editorial team has rated close to 70 business credit cards in 2025. We focus on cards widely available to business owners. This typically means options from major issuers, like American Express, Bank of America, Capital One, Chase and U.S. Bank. But we also consider smaller issuers, like Capital on Tap, and corporate cards, like Brex and Ramp.
We research regional and niche cards as well. Our writers and editors may not fully evaluate these options because of their limited availability. Still, these cards might meet your business's needs. For instance, balance transfer offers are much more common among smaller issuers. We include these options on relevant pages so you find the best solution possible.
≡ Full list of business cards
How we keep our picks up to date
NerdWallet has a full-time team of small-business writers and editors. Here's how they monitor this page — and the overall business credit card space:
- Reviewing information for all cards regularly. We do a full audit annually. But we also update card details and underlying star ratings as soon as details change. We have a dedicated data quality and compliance team that helps with this.
- Surveying card issuers. We ask for information that matters to business owners, but may not be publicly available. For instance, our most recent questionnaire dug into whether employee card spending counts toward welcome bonuses. (FYI, it doesn't for U.S. Bank.)
- Gauging online sentiment. We lurk on Reddit and other social channels to see what people say about their business credit cards. Our team frequently interviews business owners. We always ask them what business card they have and why.
- Following news and trends. New research about business card usage and card launches are big events for us. We rely on daily Google Alerts, emails from PR reps, AI-assisted web scraping and more to stay informed.
How do you choose 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
What are the benefits and drawbacks of business credit cards?
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 do 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
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.