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Top Business Credit Cards Of 2025

Updated: May 1, 2025, 2:59pm

Becky PokoraCredit Card Rewards Expert

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio...

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Becky Pokora

Becky PokoraCredit Card Rewards Expert

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Credit Card Rewards Expert

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Jerod MoralesDeputy Credit Cards Editor

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he...

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Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

The best business credit cards offer a range of benefits, including rewards or cash back, purchase protections and expense management tools. The key to selecting a small business card is identifying which factors matter the most to your business. To make things easier, we’ve highlighted the top 10 business credit cards this month to help you find one that suits your needs.

Show Summary

Best Business Credit Cards of 2025

Ink Business Preferred® Credit Card: Best Ultimate Rewards-Earning Business Card
The Business Platinum Card® from American Express: Best Business Card for Travel Benefits
Capital One Venture X Business: Best Business Card for Flat-Rate Travel Rewards
American Express® Business Gold Card: Best Business Card for High Rewards Potential
U.S. Bank Triple Cash Rewards Visa® Business Card: Best Cash-Back Business Credit Card With Introductory APR
Ink Business Unlimited® Credit Card: Best Business Card for Startups
The Blue Business® Plus Credit Card from American Express: Best Flexible Rewards Intro APR Business Card
State Farm® Business Cash Rewards Visa Signature® Card *: Best Business Credit Card for Balance Transfers
World of Hyatt Business Credit Card: Best Hotel Card for Businesses
JetBlue Business Card *: Best Business Credit Card for Airline Rewards

Find The Best Credit Card

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Ink Business Unlimited® Credit Card

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Rates & Fees

1.5% Reward Rate

Earn unlimited 1.5% cash back on every purchase made for your business

Welcome Bonus

Earn $750 bonus cash back

Annual Fee

Regular APR

17.49% – 23.49% Variable

Credit Score

Excellent, Good (670 – 739)

Card Details

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Methodology for the Best Business Credit Cards

To create a list of the top 10 small business cards, Forbes Advisor analyzed over 60 business credit cards. For each card, we gathered information that potential cardholders would use in their decision-making process, including:

Annual fees
Reward earning rates and values
Welcome bonuses
Interest rates and/or promotions
Card benefits, credits and perks
Consumer protections

Once this information was gathered, we evaluated each card’s characteristics against other, similar cards, meaning we compared hotel cards to hotel cards, cash-back cards to cash-back cards, and the like. We then ranked cards within these subcategories based on potential value and features and chose the best of each card type to feature on this list.

Forbes Advisor re-evaluates each credit card list at least every 12 months to determine if any cards need to be added and/or removed. However, a list could be updated sooner if significant changes are made to the mentioned cards or if a new credit card is announced that’s likely to impact the category.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.

Jannese Torres

Credit Cards Expert

Jerod Morales

Credit Cards Editor

Becky Pokora

Credit Cards Writer

A business credit card is good if you have longer-term plans to access funding for your business and want to establish business credit. Having evidence of an established business with a solid credit history will help you qualify for lines of credit and other loans in the future. It’s also a good way to keep business transactions separate from your personal ones and can make your accounting/reconciliation process much smoother during tax time.

Jannese Torres

Credit Cards Expert

Business credit cards are crucial to making sure personal and business expenses stay separate and don’t get muddled. It makes organizing finances so much cleaner, and with the right card, I can earn something back for all those business expenses.

Jerod Morales

Credit Cards Editor

Not only are business credit cards convenient, but they’re also an excellent way to establish a business credit score so that you have more options for financing on other future purchases.

Becky Pokora

Credit Cards Writer

How To Compare Business Credit Cards in 2025

With so many different card options in 2025, picking the best business credit cards can be a lengthy process. Prospective cardholders should consider multiple factors before settling on the best match.

Annual Fee

Earnings Structure

Intro APR

Ongoing APR

Financing Options

What Are the Types of Business Credit Cards?

The two most common credit cards for companies are small business cards and corporate cards. The recommendations on our list include small business cards, which don’t require a custom financial arrangement for application.

Small Business Credit Cards

Corporate Credit Cards

Pros and Cons of Business Credit Cards

Pros of Business Cards	Cons of Business Cards
Keep personal and business finances separate	One more account to keep track of
Often have higher credit lines than personal cards	May make it easier to accumulate debt
Provide businesses flexibility when making purchases	May require membership or other fees
May include tools for tracking spending across accounts or employees	May have fewer protections than consumer cards
Can help establish business credit scores
Some business credit cards earn rewards

How To Get a Business Credit Card

Get preapproved or prequalified first. This will give you a sense of your approval odds, but not guaranteed approval.
Check your latest credit score. For the top small business cards, your personal credit score is still relevant.
Research credit card options. There are dozens of options available, each with different fees, interest rates, rewards, benefits and promotions.
Pick the best card for your needs. Once you’ve considered your options, you’ll need to narrow them down to one card that fits your priorities.
Fill out a card application. You’ll need to provide information including your Employee Identification Number or Social Security number, basic business information, annual business revenue, estimated business spending and other details.
Submit your application and wait for a decision. Many credit card decisions come instantly, though a few may take a few days to process. In some cases, you may need to follow up with additional information by phone.
Get your card in the mail. This usually takes seven to 10 days, though some premium cards may expedite shipping.

Learn more about how to get a business credit card, including tips on how to improve your odds of approval and a few potential issues to watch out for.

How To Build Business Credit

Building business credit works in the same way as building personal credit—by using it and paying off the bill on time and in full each month. However, businesses can also do a few other things to help establish credit.

Register your business and obtain an Employer Identification Number (EIN) from the IRS.
Obtain a D-U-N-S Number, which can be obtained from Dun & Bradstreet, a business credit reporting agency.
Open a business credit card.
Use the credit card responsibly by paying your bills on time and not overextending yourself.

How To Make the Most of Your Business Credit Card

Imagine all the rewards and benefits you could be missing. To ensure your business card is working as hard as you are, here’s how to unlock additional potential:

Leverage card benefits to assist with your company’s needs
Select a card with rewards that align with business spending
Ensure that you only spend what you can afford to pay off in full to avoid interest
Deduct any interest or card fees as business expenses

Business credit cards often offer generous welcome bonuses, and planning the opening of new business credit cards to align with the major business purchases you make each year can yield hundreds or even thousands of dollars in rewards. These bonuses typically require that you spend a certain amount of money in a specific time period after opening the card. One way to meet the spending requirement is to pay your taxes with a credit card. Note that you will pay a processing fee between 1.75% to 1.85%.

– Jannese Torres, Credit Card Expert

Alternatives to Business Credit Cards

It can be tempting to simply use a card you already have for business expenses, but there are a number of reasons to specifically consider a business card over a personal card. Alternatively, you may wish to use a different form of financing, such as:

Small business loans
Business line of credit
Invoice financing
Crowdfunding

Are Business Credit Cards Worth It?

Business credit cards allow small business owners, startups and corporate managers alike to track finances separately and gain access to revolving capital. Regardless of how small or established your business is, it can also help you:

Manage your expenses. Many business cards offer reporting tools, easy exports to accounting software and the ability to set limits on employee cards.
Build a business credit history. Your payment history and other activity are reported and can help improve your business credit score to better qualify for future financing.
Unlock exclusive rewards. Card benefits and reward programs can lead to significant value for your business.

Pro Tip

It’s important to understand how a business credit card can affect your personal credit. Most business cards require a personal guarantee to cover debt with personal assets if your business can’t pay. Additionally, delinquencies and other negative card behavior might be added to your personal credit reports.

Find The Best Credit Cards For 2025

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Learn More

To view rates and fees for The Business Platinum Card® from American Express please visit this page.
To view rates and fees for American Express® Business Gold Card please visit this page.
To view rates and fees for The Blue Business® Plus Credit Card from American Express please visit this page.

Frequently Asked Questions (FAQs) for Business Credit Cards

What is the best small business credit card?

Choosing the best business card for your particular circumstances will depend on a combination of your business spending patterns, your goals in owning a particular business card (such as whether you want rewards or a 0% introductory APR offer) and your personal credit history. No one best card can satisfy everyone’s needs.

How do business credit cards work?

Business credit cards operate just like personal credit cards, with the exception that the card may have a different rewards structure or offer different protections.

What is the easiest business credit card to get?

A secured business credit card will likely be among the easiest cards to receive approval for since lines of credit with secured cards are collateralized. Though these cards do require business owners and operators to secure the line of credit with a deposit, they can offer pathways for businesses to build credit.

How many business credit cards should I have?

Each business may have a different ideal number of business credit cards. Carrying multiple business cards may allow you to earn more varied and higher rewards and provide a more comprehensive set of business benefits, but managing multiple accounts requires more time and oversight.

What business credit card gives the highest limit?

Business credit card issuers don’t publicly disclose their credit limits. However, if you have a well-established business with high expenses, you may consider a card with no preset spending limit.

Potential options include The Business Platinum Card® from American Express* and the Capital One Spark Cash Plus.

Other Business Credit Cards to Explore

*The information for the following card(s) has been collected independently by Forbes Advisor: State Farm® Business Cash Rewards Visa Signature® Card, JetBlue Business Card. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

Becky Pokora

Credit Card Rewards Expert

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