There are unique financial challenges to running a small business and having the right card can make all the difference. Business credit cards are more than just tools to help you buy things, however: They can also help you manage cash flow, earn rewards, establish business credit and get perks that make travel better and safer. There are several great small business credit card products available in 2025. Here’s a guide to the best on the market and what sets them apart.
Why use a business credit card?
Before we list our top picks, let us start by discussing why small business owners should use a business credit card.
Keeping Business and Personal Finances Separate
Separating personal and business expenses for accounting, taxes, and liability/asset protection reasons is important.
Rewards and Perks
There are lots of cards that provide cash back, travel rewards and other perks that can help defray the costs of doing business and put money back in your pocket.
Expense Tracking
One of them in bookkeeping is: Credit card companies will give you very detailed monthly statements by spending type.
Best Business Credit Cards in 2025 What is a Good Business Credit Score?
Chase Ink Business Preferred® Credit Card Like our top pick, but with extra fees If you don’t mind paying a little more in fees and want to earn a few more rewards points.
Travel Rewards points Published in:
Credit Cards Credit cards for the best summer vacation ever the best travel rewards credit cards for your business best cards for travel 5 strategy for redeeming your cash-back credit card rewards Author: Paul Soucy I’m based in New Jersey, next to New York, but I spend most of my time with my family.
Key Benefits:
3x points on the first $150,000 spent in combined purchases each year on travel, shipping, internet, cable and phone services.
No foreign transaction fees.
Points can be transferred to popular airline and hotel loyalty programs.
Annual Fee: $95
The Chase Ink Business Preferred is perfect for small businesses that are frequent travelers or value maximum rewards flexibility. And there’s a great sign-up bonus to boot.
American Express Blue Business® Plus Injectable This card is no longer available.
Best For: Spending on day-to-day expenses with no annual fee
Key Benefits:
2x Membership Rewards® points on the first $50,000 of eligible purchases each year (then 1x).
No annual fee.
Ability to spend above your credit limit (depending on factors like payment history and credit score).
Annual Fee: $0
I’d recommend this card to startups or businesses where you don’t have consistent monthly expenses as it is a good way to earn a decent reward without an annual fee.
Capital One Spark Cash Plus
Best For: Flat-rate cash back
Key Benefits:
No preset spending limit (balance must be paid in full each month).
Annual Fee: $150
The Spark Cash Plus card is a great fit for businesses that prefer simplicity and high cash-back rewards, especially those that have big budgets and plan to spend a lot with the card.
Bank of America® Business Advantage Customized Cash Rewards
Bank of America Full profile No annual fee Earn a $300 signup bonus when you spend just $3,000 on the card in the first three months, making it a solid business cash-back credit card.
Best For: Flexible cash back rewards.
Key Benefits:
3 percent cash back in a category of your choice (gas, office supply stores, travel, etc.), 2 percent at restaurants, and 1 percent on everything else.
Elevated rewards for Preferred Rewards for Business participants.
Annual Fee: $0
The built-in flexibility of this card makes it ideal for a variety of businesses, depending on what you put the most money into.
How to Pick the Right Business Credit Card
Here is what you should keep in mind when determining which card is the best for your small business:
· Your Spending Habits
Do you spend a lot on travel? Office supplies? Online advertising? Select a card with the most rewards in your most frequent spending categories.
· Annual Fees vs. Benefits
Other cards with annual fees do provide more rewards or perks. Consider if the gain is worth the pain.
· Intro Offers and Bonuses
Many cards come with generous sign-up bonuses if you spend a certain amount in purchases within the first few months.
· Employee Cards
If team members will need to make purchases, look for cards with employee cards that are free with purchase controls and tracking.
· Credit Limit and Flexibility
If you need steady cash flow, a card with a high limit or flexible spending can help with that strategy.
Final Thoughts
The best business credit card for your company will depend on your specific needs and financial habits. Whether you’re looking to earn rewards, maintain cash flow or just keep track of costs, the right card can help you meet those objectives — and provide some perks along the way.