Business credit cards are a great tool for managing business expenses, earning rewards, and building your company's credit. Here’s a list of the top business credit cards in the U.S., based on their rewards, benefits, and key features as of 2025:
1. Chase Ink Business Preferred® Credit Card
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Best for: Earning travel rewards and large business purchases.
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Key Features:
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Sign-up Bonus: 100,000 points (worth $1,250 in travel through Chase Ultimate Rewards®) after spending $15,000 in the first 3 months.
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Rewards: 3 points per dollar on the first $150,000 spent on travel, shipping, internet, cable, and phone services each year. 1 point per dollar on all other purchases.
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Annual Fee: $95
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APR: Variable 20.24% – 25.24% (based on creditworthiness).
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Benefits: Travel insurance, purchase protection, and extended warranty benefits. Great for businesses with high travel or telecom expenses.
2. American Express® Business Gold Card
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Best for: Flexible rewards categories based on your business spending.
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Key Features:
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Sign-up Bonus: 70,000 Membership Rewards points after spending $10,000 in the first 3 months.
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Rewards: 4 points per dollar on the 2 categories your business spends the most (from 6 categories like advertising, gas, shipping, etc.). 1 point per dollar on all other purchases.
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Annual Fee: $295
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APR: Variable 18.24% – 26.24%.
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Benefits: No foreign transaction fees, flexible rewards points for travel, and access to exclusive Amex business perks.
3. Capital One Spark Cash for Business
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Best for: Flat-rate cash back.
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Key Features:
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Sign-up Bonus: $500 cash bonus after spending $4,500 in the first 3 months.
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Rewards: 2% cash back on every purchase.
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Annual Fee: $95 (waived the first year)
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APR: Variable 20.99%
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Benefits: Straightforward cash back with no category restrictions, which is great for businesses that want simplicity and flexibility in their spending. Offers free employee cards and unlimited rewards.
4. American Express® Blue Business Cash Card
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Best for: No annual fee and cash back rewards.
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Key Features:
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Sign-up Bonus: $250 statement credit after spending $3,000 in the first 3 months.
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Rewards: 2% cash back on the first $50,000 spent in combined purchases at U.S. office supply stores and on wireless telephone services. 1% on all other purchases.
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Annual Fee: $0
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APR: Variable 17.99% – 25.99%
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Benefits: A simple cash-back structure with no annual fee, ideal for businesses with consistent spending in office supplies or wireless services.
5. Chase Ink Business Unlimited® Credit Card
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Best for: Earning cash back on all purchases.
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Key Features:
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Sign-up Bonus: $750 bonus after spending $7,500 in the first 3 months.
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Rewards: 1.5% cash back on every purchase.
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Annual Fee: $0
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APR: Variable 20.24% – 25.24%
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Benefits: A great card for businesses that need a straightforward cash-back option with no rotating categories or spending limits. Provides employee cards at no additional cost.
6. Brex 30 Card
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Best for: Startups, tech companies, and businesses with limited credit history.
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Key Features:
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Sign-up Bonus: Varies based on the promotions and business type.
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Rewards: 1 point per dollar on all purchases. 7x points on rideshare, 4x points on restaurants, and 3x points on travel.
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Annual Fee: $0
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APR: 0% (for the first 30 days; then variable 13.99% – 24.99%)
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Benefits: No personal guarantee required, easy-to-use expense management software, and high rewards in specific categories. Ideal for startups that need flexibility.
7. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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Best for: Frequent flyers and businesses that need airline rewards.
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Key Features:
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Sign-up Bonus: 70,000 miles after spending $4,000 in the first 4 months.
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Rewards: 2 miles per dollar on American Airlines purchases and at telecommunications, cable, and car rental merchants. 1 mile per dollar on all other purchases.
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Annual Fee: $99 (waived for the first year).
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APR: Variable 20.74% – 29.74%
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Benefits: Free checked bags, priority boarding, and access to the AAdvantage® loyalty program. Great for businesses that travel frequently with American Airlines.
8. Wells Fargo Business Platinum Credit Card
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Best for: Low-interest financing on purchases and balance transfers.
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Key Features:
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Sign-up Bonus: None.
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Rewards: 1.5% cash back on every purchase.
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Annual Fee: $0
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APR: 13.99% – 23.99% (variable)
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Benefits: This card offers a 0% introductory APR on purchases and balance transfers for the first 9 months. It’s a solid option if you need financing flexibility for your business.
9. U.S. Bank Business Leverage® Visa Signature® Card
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Best for: Earning rewards on a broad range of business expenses.
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Key Features:
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Sign-up Bonus: 75,000 points after spending $7,500 in the first 3 months.
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Rewards: 2 points per dollar on the first $50,000 spent in eligible categories (like gas stations, restaurants, and office supply stores). 1 point per dollar on other purchases.
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Annual Fee: $95
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APR: Variable 18.24% – 26.24%
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Benefits: Earn rewards on a variety of business expenses with additional points for specific categories.
10. Capital One Spark Miles for Business
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Best for: Earning travel rewards with no blackout dates.
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Key Features:
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Sign-up Bonus: 50,000 miles after spending $4,500 in the first 3 months.
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Rewards: 2 miles per dollar on every purchase.
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Annual Fee: $95 (waived the first year)
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APR: Variable 20.99%
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Benefits: No blackout dates when redeeming miles, and miles can be used for travel purchases, making this card perfect for frequent business travelers.
Key Factors to Consider When Choosing a Business Credit Card:
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Rewards Program: Whether it’s cash back, points, or travel miles, look for a program that matches your business spending habits.
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Sign-up Bonus: Many business credit cards offer significant sign-up bonuses if you meet a spending threshold within the first few months.
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Annual Fee: Consider the annual fee and weigh it against the rewards and benefits. Some cards waive the fee for the first year.
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APR: Pay attention to the APR, especially if you plan to carry a balance.
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Additional Benefits: Look for features like purchase protection, extended warranty, travel insurance, and expense management tools.
Conclusion:
The best business credit card depends on your business’s spending patterns and needs. For travel rewards, Chase Ink Business Preferred® and American Express® Business Gold Card are excellent choices. For cash back, the Capital One Spark Cash for Business and Chase Ink Business Unlimited® are both solid picks. Be sure to compare the benefits, fees, and rewards to find the best card for your business needs.