Running a business—whether it’s a startup, a small enterprise, or a freelance gig—requires smart financial tools. Business credit cards are more than just a payment method; they offer rewards, cash flow management, and perks tailored to business needs. With so many options available, choosing the right one can feel overwhelming. This article breaks down the top 10 business credit cards in 2025, highlighting their features, benefits, and ideal use cases to help you make an informed decision.
1. Chase Ink Business Preferred® Credit Card
- Best For: Small businesses chasing big rewards
- Annual Fee: $95
- Welcome Bonus: 100,000 points after spending $8,000 in the first 3 months
- Rewards: 3x points on travel, shipping, internet, cable, phone services, and advertising (up to $150,000 annually), 1x on everything else
- APR: Variable, typically 18.49%–23.49%
The Chase Ink Business Preferred is a powerhouse for small business owners who want premium rewards and travel perks. Its welcome bonus alone—worth up to $1,250 when redeemed through Chase Travel℠—is a standout. The 3x points categories align perfectly with common business expenses, and points can be transferred to Chase’s airline and hotel partners for even greater value. Additional perks include cell phone protection (up to $1,000 per claim) and no foreign transaction fees. The $95 annual fee is reasonable given the robust benefits, though the $8,000 spending requirement for the bonus may be steep for smaller operations.
2. American Express® Business Platinum Card®
- Best For: Frequent travelers and luxury perks
- Annual Fee: $695
- Welcome Bonus: 120,000 Membership Rewards points after spending $15,000 in the first 3 months
- Rewards: 5x points on flights and prepaid hotels booked through Amex Travel, 1.5x on eligible purchases of $5,000+, 1x on other purchases
- APR: Pay-over-time option with variable APR (typically 19.49%–27.49%)
The Amex Business Platinum is the gold standard for business owners who travel often and value premium benefits. The steep $695 annual fee is offset by a slew of credits: $200 airline fee credit, $189 CLEAR® Plus credit, $400 Dell credit, and more. Cardholders also get access to over 1,400 airport lounges worldwide via the Global Lounge Collection. The 5x points on travel bookings are a major draw, though the card’s value shines brightest for those who maximize its perks. It’s less ideal for businesses with minimal travel or tight budgets.
3. Capital One Spark Cash Plus
- Best For: High spenders seeking flat-rate cash back
- Annual Fee: $150 (waived if you spend $150,000 annually)
- Welcome Bonus: $2,000 cash bonus after spending $30,000 in the first 3 months
- Rewards: 2% cash back on all purchases, 5% on hotels and rental cars booked through Capital One Travel
- APR: Charge card (balance due in full monthly)
The Capital One Spark Cash Plus is a charge card designed for businesses with significant expenses. Its unlimited 2% cash back on every purchase is simple and lucrative, especially for companies with diverse spending patterns. The $2,000 welcome bonus is one of the highest available, though it requires hefty spending to unlock. With no preset spending limit and no foreign transaction fees, it’s a strong pick for growing businesses. However, as a charge card, it demands full payment each month, making cash flow management critical.
4. Bank of America® Business Advantage Customized Cash Rewards
- Best For: Flexible cash back customization
- Annual Fee: $0
- Welcome Bonus: $300 online cash rewards bonus after spending $3,000 in the first 90 days
- Rewards: 3% cash back in a category of your choice (e.g., gas, travel, office supplies), 2% at restaurants, 1% on all else (3% and 2% capped at $50,000 annually)
- APR: Variable, typically 15.49%–25.49%
This card is a budget-friendly option for small businesses that want tailored rewards without an annual fee.
The ability to choose your 3% category each month (from six options) offers flexibility, and Bank of America’s Preferred Rewards for Business program can boost rewards by up to 75% for eligible clients. The $300 bonus is easy to earn, and the lack of foreign transaction fees adds appeal. However, the $50,000 annual cap on bonus categories may limit its value for high spenders.
5. U.S. Bank Business Platinum Card
- Best For: 0% intro APR for financing
- Annual Fee: $0
- Welcome Bonus: None
- Rewards: None
- APR: 0% intro APR on purchases and balance transfers for 18 billing cycles, then variable 14.49%–24.49%
The U.S. Bank Business Platinum Card is a no-frills option for businesses needing to finance large purchases or manage debt. Its 18-month 0% intro APR is among the longest available, giving you ample time to pay off expenses interest-free. There’s no annual fee or rewards program, keeping it simple and cost-effective. It’s ideal for startups or businesses in a growth phase, but rewards-seekers will find it lacking compared to other cards on this list.
6. Brex Card
- Best For: Tech startups and e-commerce businesses
- Annual Fee: $0
- Welcome Bonus: Up to 50,000 points after meeting spending thresholds
- Rewards: 7x points on rideshares, 4x on travel, 3x at restaurants, 2x on software subscriptions, 1x on everything else (with Brex Exclusive)
- APR: Charge card (balance due in full monthly, or daily with certain plans)
The Brex Card caters to startups and tech-focused businesses with no annual fee and a unique rewards structure. Its high earning rates on rideshares, software, and travel make it a favorite for modern entrepreneurs. Brex also offers robust expense management tools and integrations with accounting software like QuickBooks. As a charge card, it requires disciplined payment habits, but its lack of personal credit check appeals to new businesses building credit. The rewards require enrollment in Brex Exclusive, which ties you to their ecosystem.
7. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Best For: American Airlines loyalists
- Annual Fee: $99 (waived first year)
- Welcome Bonus: 65,000 AAdvantage miles after spending $4,000 in the first 4 months
- Rewards: 2x miles on American Airlines purchases, telecom, cable, car rentals, and gas; 1x on everything else
- APR: Variable, typically 19.49%–28.49%
Frequent American Airlines flyers will love the CitiBusiness AAdvantage Platinum Select card. The 65,000-mile bonus can cover multiple domestic flights, and perks like a free checked bag and preferred boarding add value. The 2x miles categories align with common business expenses, and there’s no foreign transaction fee.
The $99 fee (waived the first year) is reasonable, but it’s less versatile for businesses not tied to American Airlines’ network.
8. Wells Fargo Business Elite Signature Card
- Best For: Large businesses with high revenue
- Annual Fee: $125 (waived first year)
- Welcome Bonus: $1,000 cash back after spending $25,000 in the first 3 months
- Rewards: 1.5% cash back on all purchases, or 1% plus 5 bonus points per $1 on select categories (up to $25,000 annually)
- APR: Variable, typically 16.49%–24.49%
Designed for businesses with $1 million+ in annual revenue, the Wells Fargo Business Elite Signature Card offers flexibility and employee card management. The $1,000 bonus is substantial, and the 1.5% cash back is solid for uncapped spending. Businesses can opt for a points system with bonus categories instead. It includes perks like lounge access and travel insurance, but the revenue requirement and $25,000 spending threshold for the bonus make it less accessible for smaller firms.
9. Discover it® Business Card
- Best For: Cash back with no annual fee
- Annual Fee: $0
- Welcome Bonus: Cashback Match (Discover matches all cash back earned in the first year)
- Rewards: 1.5% cash back on all purchases
- APR: Variable, typically 15.49%–23.49%
The Discover it Business Card is a straightforward, no-fee option with a unique welcome bonus: Discover matches your first-year cash back with no cap. The 1.5% flat rate is competitive, and there’s no foreign transaction fee—a rarity for Discover cards. It’s perfect for small businesses seeking simplicity and value, though its acceptance is less widespread internationally compared to Visa or Mastercard.
10. Amazon Business Prime American Express Card
- Best For: Amazon and Whole Foods shoppers
- Annual Fee: $0 (requires Amazon Prime membership, $139/year)
- Welcome Bonus: $125 Amazon gift card upon approval
- Rewards: 5% back on Amazon, AWS, and Whole Foods purchases (up to $120,000 annually), 2% at restaurants, gas stations, and wireless services, 1% on everything else
- APR: Variable, typically 18.49%–26.49%
For businesses reliant on Amazon, the Amazon Business Prime Amex Card is a no-brainer. The 5% back on Amazon ecosystem purchases is unbeatable, and the instant $125 gift card adds immediate value. It also offers 90-day 0% APR financing on Amazon purchases over $50—an alternative to rewards. The catch? You need an Amazon Prime membership, which adds a hidden cost. It’s niche but highly rewarding for the right user.
How to Choose the Right Business Credit Card
With these top 10 options, the best card depends on your business’s priorities:
- Rewards: Chase Ink Preferred, Amex Business Platinum, or Brex for points/miles; Capital One Spark Cash Plus or Discover it for cash back.
- Travel: Amex Business Platinum or CitiBusiness AAdvantage for perks and miles.
- No Fees: Bank of America Customized Cash or U.S. Bank Business Platinum.
- Financing: U.S. Bank Business Platinum or Amazon Business Prime for 0% APR offers.
- Spending Volume: Wells Fargo Business Elite or Capital One Spark Cash Plus for high spenders.
Consider your spending habits, cash flow needs, and whether you value simplicity or premium benefits. Always read the fine print for APRs, caps, and redemption rules.
Final Thoughts
Business credit cards are powerful tools for managing expenses, earning rewards, and building credit.
Whether you’re a startup founder, a frequent flyer, or an Amazon power user, there’s a card on this list for you. As of April 05, 2025, these 10 stand out for their value, versatility, and appeal to diverse business needs. Pick one that aligns with your goals, and watch it work for you.