12 Best Business Credit Cards in 2025

• Rewards categories

  If you spend heavily in certain categories, look for a card that offers a higher rewards rate for these purchases. For example, spending on shipping and advertising with the Ink Business Preferred^® Credit Card will earn you 3X points rather than the standard 1X. But if your spending fluctuates, a flat-rate card might be a better choice.

• Points or cash back

  If you’re looking for a business rewards credit card, consider whether you want to earn cash back, points or airline miles. Points are typically flexible, and often more valuable, such as the Chase Ultimate Rewards® earned by the Ink Business Preferred^® Credit Card. However, a cash back card, such as The American Express Blue Business Cash™ Card, is a solid choice if you want a simple rewards structure.

• Sign-up bonus

  If you know you’ve got a big purchase coming up, a card sign-up bonus or welcome offer can help offset the cost. If your business spending will be high enough, consider a card like The Business Platinum Card^® from American Express with its lucrative welcome offer.

• Intro APR

  If you need to finance a big-ticket item over time or move debt from another card via balance transfer, you’ll want a card with a 0% intro APR period. Also consider a card without a balance transfer fee, such as the Edward Jones Business Plus MasterCard Credit Card.

• Travel plans

  Frequent flyers should consider cards with travel protections like trip cancellation insurance, trip delay reimbursement, and lost luggage insurance. Cards such as The New United℠ Business Card provide this coverage. And if your business trips often take you to destinations abroad, choose a card with no foreign transaction fee.

  See our list of the best business travel credit cards.

• Annual fee

  If you’re a new business owner or are strapped for cash, consider small business credit cards that don’t charge an annual fee, such as the Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card. But if you want premium benefits like airport lounge access or credits for certain types of spending, you’ll likely need to spring for a card with an annual fee.

• Number of employees

  If your small business has employees, consider a business card that offers free employee cards. For example, The American Express Blue Business Cash™ Card can have up to 99 employee cards.

The process of getting a business credit card is very similar to that of getting a personal credit card. You’ll need to research and choose the best business credit card for your situation before you submit an application, and we recommend following a clear step-by-step process.

When you apply for a business credit card, though, you’ll need to provide more information than you would on a personal credit card application. We recommend gathering the following information ahead of time:

• Legal business name, and DBA name if it has one
• Business address and contact information
• Business industry
• Your role in the business
• Type of business (e.g. LLC or corporation)
• Age of business
• Number of employees
• Personal information – Social Security number, birthdate, address, phone number
• Employer identification number (EIN), if you have one
• Annual business revenue, real or projected
• Monthly spending, real or projected

The benefits of having a business credit card don’t stop at earning rewards. With a business credit card, you can:

1. Separate business and personal expenses
2. Track business spending
3. Manage employee spending with employee cards
4. Earn valuable rewards points, miles, or cash back
5. Finance a big-ticket item with a 0% intro APR
6. Take advantage of travel protections and other perks when you travel for business

Card issuers don’t always report card activity to every business credit reporting agency, so your business credit card should only be part of your strategy to build your business credit. You can also consider taking out a business line of credit. Although a business line of credit works differently than a credit card, making regular, on-time payments and keeping your balance low on your business line of credit will help you establish and build your business credit.

In order to build business credit with your business credit card, you should:

• Pay at least the minimum due. A history of late payments could harm your business credit score, so make your payments on time. If you can, pay your card off in full every month to avoid incurring interest.
• Know when your 0% intro APR period ends. Make a plan to pay off your outstanding balance during the introductory APR period in order to avoid late payments.
• Set spending limits on employee cards. If you issue any employee cards, setting spending limits will help you avoid racking up debt that you can’t afford to pay off.

Your personal credit impacts your ability to get a business credit card, as most business cards require good to excellent credit. If you have a poor credit score, you should consider a secured business credit card. Secured credit cards require you to put down a security deposit. If you default on what you owe, the issuer can recoup the loss by confiscating the deposit, which is why it’s easier to get a good secured card with bad credit than a good unsecured card with bad credit. You may also want to consider business credit cards that don’t run personal credit checks.

If you have a fair credit score, you’ll find that you have more options. For example, the Capital One Spark Classic for Business is a good no-annual-fee card for business owners with fair credit that offers cash back on every purchase.