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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Here are the best Excellent Small Business Credit Cards of 2025

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Here are the best Excellent Small Business Credit Cards of 2025

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Default
NerdWallet rating
Annual fee

2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Best for Unlimited cash back on purchases for your business

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Unlimited cash back on purchases for your business

4.9

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

The Blue Business® Plus Credit Card from American Express

4.4

Best for New businesses

Annual fee

$0

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

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 New businesses

4.4

Annual fee

$0

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

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

Capital One Venture X Business

4.9

Best for Excellent for travel rewards

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 350,000 Miles

⏱️ New bonus offer

Apply now

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 Excellent for travel rewards

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

Up to 350,000 Miles

⏱️ New bonus offer

Apply now

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 Spark Cash Plus

4.9

Best for Heavy spenders

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

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

Capital One Spark Cash Plus

Best for Heavy spenders

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

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

Ink Business Cash® Credit Card

4.6

Best for Cash back bonuses and no annual fee

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

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

Ink Business Cash® Credit Card

Best for Cash back bonuses and no annual fee

4.6

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

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

The American Express Blue Business Cash™ Card

4.5

Best for 0% intro APR and no annual fee

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

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

The American Express Blue Business Cash™ Card

Best for 0% intro APR and no annual fee

4.5

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

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

American Express® Business Gold Card

4.3

Best for Bonus categories that sync with your spending

Annual fee

$375

Rewards rate

1x-4x

Points

Intro offer

100,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

Transfer partners
New cardholder bonus offer
Intro APR period
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

4.3

Annual fee

$375

Rewards rate

1x-4x

Points

Intro offer

100,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

Transfer partners
New cardholder bonus offer
Intro APR period
High reward rate in bonus categories

Cons

High annual fee
Complicated rewards
Spending caps on bonus rewards

The Business Platinum Card® from American Express

4.5

Best for Airport lounge access and travel credits

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Apply now

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

Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
$695 Annual Fee.
Terms Apply.

The Business Platinum Card® from American Express

Best for Airport lounge access and travel credits

4.5

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Apply now

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

Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
$695 Annual Fee.
Terms Apply.

Last updated on May 13, 2025

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