Best Business Credit Cards 2025: Maximize Rewards for Your Company

Introduction

Managing business expenses effectively is crucial for every company, from small startups to established enterprises. The right business credit card can help streamline purchases, earn valuable rewards, and provide financial flexibility. In 2025, card issuers are offering excellent options for entrepreneurs who want to save money, improve cash flow, and gain access to exclusive perks.

This guide explores the best business credit cards of 2025, categorized by cashback, travel rewards, low-interest rates, and startup-friendly options. Whether you’re looking to maximize rewards or keep costs low, this list has you covered.

1. Best Cashback Business Credit Cards

1.1 Ink Business Unlimited® Credit Card (Chase)

Key Features:

• Unlimited 1.5% cashback on all purchases

• $750 welcome bonus after spending $6,000 in the first 3 months

• No annual fee

• Employee cards available at no extra cost

Best For: Small business owners who want straightforward cashback rewards.

1.2 American Express Blue Business Cash™ Card

Key Features:

• 2% cashback on the first $50,000 spent each year

• 1% cashback thereafter

• No annual fee

• Expanded buying power beyond credit limit

Best For: Businesses with consistent expenses under $50,000 annually.

2. Best Travel Rewards Business Credit Cards

2.1 American Express® Business Gold Card

Key Features:

• Earn 4X Membership Rewards points on top two business categories each month

• 25% airline bonus when booking through Amex Travel

• $295 annual fee

• Comprehensive expense management tools

Best For: Businesses with high spending in travel, tech, or advertising.

2.2 Capital One Spark Miles for Business

Key Features:

• 2X miles per dollar on every purchase

• 50,000 miles bonus after spending $4,500 in 3 months

• $95 annual fee (waived first year)

• Transfer miles to 15+ travel partners

Best For: Business owners who value flexible travel rewards.

3. Best Low-Interest & Balance Transfer Business Credit Cards

3.1 U.S. Bank Business Platinum Card

Key Features:

• 0% intro APR on purchases and balance transfers for 18 billing cycles

• No annual fee

• Ideal for financing large expenses

Best For: Companies looking to manage cash flow without paying interest.

3.2 Wells Fargo Business Platinum Credit Card

Key Features:

• 0% intro APR for 9 months

• Earn either 1.5% cashback or 1 point per dollar spent

• No annual fee

• Customizable employee cards

Best For: Businesses that want flexibility between cashback and points.

4. Best Business Credit Cards for Startups

4.1 Brex Business Card for Startups

Key Features:

• No personal guarantee required

• 7X on rideshare, 4X on travel, 3X on restaurants, 2X on recurring software

• Unlimited virtual cards for employees

• No annual fee

Best For: Startup founders who want high rewards and flexibility without risking personal credit.

4.2 Ramp Corporate Card

Key Features:

• 1.5% cashback on every purchase

• AI-powered expense management tools

• No annual fee

• Designed for scaling companies

Best For: Tech-savvy startups focused on growth and automation.

5. Best Premium Business Credit Cards

5.1 The Business Platinum Card® from American Express

Key Features:

• 5X points on flights and hotels through Amex Travel

• Global Lounge Collection access

• 120,000 bonus points after spending $15,000 in 3 months

• $695 annual fee

Best For: Large businesses with frequent international travel needs.

5.2 Chase Ink Business Preferred® Credit Card

Key Features:

• 3X points on the first $150,000 spent annually on travel, shipping, advertising, and internet services

• 100,000 bonus points after spending $8,000 in 3 months

• $95 annual fee

• Strong travel protections

Best For: Businesses that want high value from travel and advertising categories.

6. How to Choose the Right Business Credit Card

When selecting a business credit card, consider:

• Spending Habits – Do you spend more on travel, advertising, or general purchases?

• Rewards Preference – Cashback vs. travel rewards.

• Annual Fees – Is the card worth the cost for your business size?

• Intro APR Offers – Helpful for startups needing initial financing.

• Employee Card Benefits – Does it support multiple team members?

7. Tips for Using Business Credit Cards Wisely

• Separate business and personal expenses.

• Always pay on time to avoid interest and protect your credit.

• Redeem rewards strategically (e.g., travel transfers).

• Track expenses with the card issuer’s online tools.

• Review card terms annually to ensure it still fits your business needs.

Conclusion

In 2025, business credit cards offer powerful tools for entrepreneurs to save money, earn rewards, and build financial flexibility. Whether you’re running a small local business or scaling a tech startup, the right card can maximize your company’s potential.

By carefully analyzing your company’s spending and comparing benefits, you can choose a credit card that supports your financial goals and fuels growth.