If you own a business in 2025, having the right credit card can help you save money, earn rewards, and manage expenses efficiently. Business credit cards offer benefits like cashback, travel rewards, and higher credit limits, making them essential for entrepreneurs and small business owners. In this guide, we will explore the best business credit cards in 2025, their features, pros and cons, and how to choose the right one for your needs.
Why Business Credit Cards Matter
- Better Cash Flow Management – Helps separate business and personal expenses.
- Rewards & Cashback – Earn rewards for purchases like office supplies, travel, and marketing.
- Higher Credit Limits – Businesses often get larger credit lines than personal cards.
- Build Business Credit – Helps establish and improve your company’s credit score.
- Expense Tracking – Many cards offer tools to monitor spending and generate reports.
Top Business Credit Cards for 2025
| Credit Card | Best For | Annual Fee | Rewards & Benefits |
|---|---|---|---|
| American Express Business Platinum | Travel & Luxury Perks | $695 | 5x points on flights, airport lounge access, premium business perks |
| Chase Ink Business Preferred | Overall Best Rewards | $95 | 3x points on travel, shipping, advertising, and phone services |
| Capital One Spark Cash Plus | Flat-Rate Cashback | $150 | 2% unlimited cashback on all purchases |
| Brex 30 Card | Startups & Tech Businesses | $0 | No personal guarantee, higher limits based on revenue |
| U.S. Bank Business Triple Cash Rewards | No Annual Fee | $0 | 3% cashback on gas, office supply stores, and cell phone services |
1. American Express Business Platinum
- Pros:
- High reward rates on travel purchases
- Free airport lounge access
- Luxury business perks
- Cons:
- High annual fee ($695)
- Requires excellent credit
2. Chase Ink Business Preferred
- Pros:
- 3x points on key business categories
- Points can be transferred to airline partners
- Lower annual fee ($95)
- Cons:
- Limited high-reward categories
- Requires good credit score
3. Capital One Spark Cash Plus
- Pros:
- 2% unlimited cashback
- No preset spending limit
- Simple rewards structure
- Cons:
- $150 annual fee
- Full balance must be paid monthly
4. Brex 30 Card
- Pros:
- No personal credit check needed
- Higher credit limits based on revenue
- No annual fee
- Cons:
- Only available to tech startups and well-funded businesses
- Not ideal for businesses with low cash flow
5. U.S. Bank Business Triple Cash Rewards
- Pros:
- No annual fee
- 3% cashback on key business expenses
- $500 bonus after spending $4,500 in the first 150 days
- Cons:
- Lower reward rates for general spending
- Requires good credit score
How to Choose the Best Business Credit Card
- Consider Your Spending Habits – If you spend a lot on travel, a rewards card is best. If you prefer simplicity, a flat-rate cashback card works better.
- Check the Fees – Compare annual fees and foreign transaction fees.
- Review Credit Requirements – Some cards require excellent credit, while others cater to startups with limited credit history.
- Look at Additional Benefits – Perks like travel insurance, purchase protection, and extended warranties can add value.
FAQs
1. What is the best business credit card with no annual fee?
The U.S. Bank Business Triple Cash Rewards card offers great rewards without an annual fee.
2. Which business credit card has the highest rewards?
The American Express Business Platinum provides the highest travel rewards and perks.
3. Can I get a business credit card with bad credit?
Yes, but options are limited. Some secured business credit cards help build credit over time.
4. Are business credit cards tax-deductible?
Yes, annual fees and interest charges can be deducted as business expenses.
5. Do I need an EIN to apply for a business credit card?
Not always, but having an EIN helps separate personal and business finances.
6. Can I use a business credit card for personal expenses?
It’s not recommended. Mixing personal and business expenses can create accounting and tax issues.
7. Which business credit card is best for startups?
The Brex 30 Card is ideal for startups due to its high credit limits and no personal guarantee requirement.
8. What is the best business credit card for travel perks?
The American Express Business Platinum offers premium travel perks, including lounge access and airline credits.
9. How do business credit cards affect personal credit scores?
Some business credit cards report to personal credit bureaus, which can impact your credit score if you miss payments.
10. Can I get multiple business credit cards?
Yes, many business owners use multiple cards to maximize rewards in different spending categories.
Conclusion
Choosing the right business credit card in 2025 depends on your spending habits, business needs, and financial goals. Whether you need travel perks, cashback rewards, or a no-annual-fee option, there’s a perfect card for every business owner. Compare your options and pick the one that best fits your needs to maximize your benefits!
