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6 Excellent Small Business Credit Cards of 2025

Your business may be small, but your credit card rewards don't have to be. Check out these business credit cards, some of which are from our partners, to find better bonuses and rewards. Compare these deals, some of which are from our partners, to find the one for you.

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NerdWallet's Excellent Small Business Credit Cards of 2025

The Blue Business® Plus Credit Card from American Express: Best for new businesses
Capital One Spark Cash Plus: Best for heavy spenders
The American Express Blue Business Cash™ Card: Best for 0% intro APR and no annual fee
American Express® Business Gold Card: Best for bonus categories that sync with your spending
The Business Platinum Card® from American Express: Best for airport lounge access and travel credits
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75% more)

Credit card	NerdWallet rating	Annual fee	Intro APR	Regular APR	Learn more
The Blue Business® Plus Credit Card from American Express Apply Now on American Express' website on American Express' website Rates & Fees	4.4/5 Excellent for new businesses	$0	0% intro APR on purchases for 12 months from the date of account opening	17.49%-27.49% Variable APR	Apply Now on American Express' website on American Express' website Rates & Fees
Capital One Spark Cash Plus Apply Now on Capital One's website on Capital One's website Rates & Fees	4.9/5 Excellent for heavy spenders	$150	N/A	N/A	Apply Now on Capital One's website on Capital One's website Rates & Fees
The American Express Blue Business Cash™ Card Apply Now on American Express' website on American Express' website Rates & Fees	4.5/5 Excellent for 0% intro APR and no annual fee	$0	0% intro APR on purchases for 12 months from the date of account opening	17.49%-27.49% Variable APR	Apply Now on American Express' website on American Express' website Rates & Fees
American Express® Business Gold Card Apply Now on American Express' website on American Express' website Rates & Fees	4.2/5 Excellent for bonus categories that sync with your spending	$375	N/A	18.49%-29.24% Variable APR	Apply Now on American Express' website on American Express' website Rates & Fees
The Business Platinum Card® from American Express Apply Now on American Express' website on American Express' website Rates & Fees	4.5/5 Excellent for airport lounge access and travel credits	$695	N/A	18.49%-29.24% Variable APR	Apply Now on American Express' website on American Express' website Rates & Fees
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply Now on Bank of America's website on Bank of America's website	4.6/5 Excellent for cash back boost (up to 75% more)	$0	0% intro APR on Purchases for 9 billing cycles	17.49%-27.49% Variable APR	Apply Now on Bank of America's website on Bank of America's website