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15 Best business credit cards of March 2025

Updated March 15, 2025

Advertiser Disclosure: Bankrate’s editorial team chooses and recommends the credit cards on this page. While we may receive compensation when users apply for cards through this page, our recommendations and card ratings are produced independently without influence by advertising partnerships with issuers.

Compare Bankrate’s top small-business credit cards

Rewards highlights
Earn $750 bonus cash back

$750 value

  • 1.5%

$0
star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2

Best for large welcome offer

Earn up to $750 bonus cash back

$750 value

  • 1% - 5%

$0
star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3

Best for earning rewards on office expenses

Earn $750 Cash Back

$750 value

  • 2% - 5%

$0 intro for first year; $95 after that
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3.9

Best for simplicity

Earn 90,000 bonus points

$1,800 value

  • 1X - 3X

  • 25% increased redemption value

  • Bankrate's rewards value: 2.0 cents per point

$95
star iconstar iconstar iconstar iconstar icon
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4.1

Best for flexible travel redemption

Earn $500 cash back

$500 value

  • 1.5% - 5%

$0
star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1

Best for no balance transfer fee

American Express® Business Gold Card
American Express® Business Gold Card
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply
Earn 100,000 points

$2,000 value

  • 1X - 4X

  • Bankrate's rewards value: 2.0 cents per point

$375
star iconstar iconstar iconstar iconstar icon
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5.0

Best for reward category flexibility

Earn 150,000 points

$3,000 value

  • 1X - 5X

  • Bankrate's rewards value: 2.0 cents per point

$695
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4.8

Best for luxury travel perks

Earn 150,000 miles

$2,550 value

  • 2X miles - 10X miles

  • Bankrate's rewards value: 1.7 cents per mile

$395
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4.9

Best for travel perks and credits

15,000 Membership Rewards® points

$300 value

  • 2X

  • Bankrate's rewards value: 2.0 cents per point

No annual fee
star iconstar iconstar iconstar iconstar icon
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4.1

Best no-annual-fee business card

$2,000 cash back

$2,000 value

  • 2% - 5%

$150
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4.7

Best for annual cash bonus

$250 statement credit

$250 value

  • 1% - 2%

No annual fee
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4.3

Best for flat-rate cash back

N/A
  • 1.5%

$0
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0.0

Best for building business credit

Revenued Business Card
Revenued Business Card
Apply nowLock

on Revenued's secure site

N/A
  • N/A

None
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2.7

Best for fair credit

Earn 15,000 points
  • 1X

$95
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3.7

Best for no preset spending limit

Earn 175,000 points

$1,050 value

  • 3X - 12X

  • Bankrate's rewards value: 0.6 cents per point

$195
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4.1

Best for Hilton benefits

Filter by

Showing 15 results

Best for large welcome offer

Ink Business Unlimited® Credit Card

Cardholder rating

star iconstar iconstar iconstar iconstar icon
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4.3

Bankrate score

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4.2
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn $750 bonus cash back

Rewards Rate

1.5%

Annual fee

$0

Regular APR

17.49% - 23.49% Variable

Why you'll like this: Its exceptional welcome offer and low cost make it a great starter option if you’re new to building business credit.

Best for earning rewards on office expenses

Ink Business Cash® Credit Card

Cardholder rating

star iconstar iconstar iconstar iconstar icon
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4.2

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn up to $750 bonus cash back

Rewards Rate

1% - 5%

Annual fee

$0

Regular APR

17.49% - 25.49% Variable

Why you'll like this: This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer.

Best for simplicity

Capital One Spark Cash

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.9
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

Earn $750 Cash Back

Rewards Rate

2% - 5%

Annual fee

$0 intro for first year; $95 after that

Regular APR

25.24% (Variable)

Why you'll like this: Its flat rewards rate makes earning cash back a breeze, so it’s a great starting point if you’re new to rewards cards.

Best for flexible travel redemption

Ink Business Preferred® Credit Card

Cardholder rating

star iconstar iconstar iconstar iconstar icon
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4.2

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Chase's secure site

Intro offer

Earn 90,000 bonus points

Rewards Rate

1X - 3X

Annual fee

$95

Regular APR

20.24% - 26.24% Variable

Why you'll like this: Its points carry a very high redemption value when you book via Chase Travel℠ or transfer to an airline or hotel partner.

Best for no balance transfer fee

Capital One Spark Cash Select

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

Earn $500 cash back

Rewards Rate

1.5% - 5%

Annual fee

$0

Regular APR

17.49% - 23.49% (Variable)

Why you'll like this: Its flat rewards rate makes it a great fit if you want a card that offers flexibility.

Best for reward category flexibility

American Express® Business Gold Card

Cardholder rating

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
5.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 100,000 points

Rewards Rate

1X - 4X

Annual fee

$375

Regular APR

18.49% - 27.49% Variable

Why you'll like this: It has a high-value welcome offer and great airline transfer partners.

Best for luxury travel perks

The Business Platinum Card® from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 150,000 points

Rewards Rate

1X - 5X

Annual fee

$695

Regular APR

18.49% - 27.49% Variable

Why you'll like this: Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart.

Best for travel perks and credits

Capital One Venture X Business

Cardholder rating

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.9
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

Earn 150,000 miles

Rewards Rate

2X miles - 10X miles

Annual fee

$395

Regular APR

N/A

Why you'll like this: This card includes practical, valuable travel perks at a reasonable cost.

Best no-annual-fee business card

The Blue Business® Plus Credit Card from American Express

Cardholder rating

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

15,000 Membership Rewards® points

Rewards Rate

2X

Annual fee

No annual fee

Regular APR

17.49% - 27.49% Variable

Why you'll like this: It offers great payment flexibility with its intro APR and Expanded Buying Power feature.

Best for annual cash bonus

Capital One Spark Cash Plus

Cardholder rating

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.0

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.7
Bankrate review
Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

$2,000 cash back

Rewards Rate

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you'll like this: You’ll earn a great rewards rate on every purchase without worrying about tracking spending categories.

Best for flat-rate cash back

The American Express Blue Business Cash™ Card

Cardholder rating

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.4

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

$250 statement credit

Rewards Rate

1% - 2%

Annual fee

No annual fee

APR

17.49% - 27.49% Variable

Why you'll like this: It charges no annual fee and comes with an intro APR offer on purchases — a rarity on business cards.

Best for building business credit

Business Advantage Unlimited Cash Rewards Secured Business Credit Card

Business Advantage Unlimited Cash Rewards Secured Business Credit Card

N/A

Intro offer

N/A

Rewards Rate

1.5%

Annual fee

$0

Regular APR

27.49% variable APR

Why you'll like this: You can build your business credit while earning the same rewards as the unsecured version of this card.

Best for fair credit

Revenued Business Card

Cardholder rating

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.2

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
2.7
Bankrate review
Recommended credit score:(300 - 670)
Apply nowLock

on Revenued's secure site

Intro offer

N/A

Rewards Rate

N/A

Annual fee

None

Regular APR

Factor Based

Why you'll like this: It charges few fees and approval is based on your business revenue, not your credit score.

Best for no preset spending limit

Business Green Rewards Card from American Express

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.7
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 15,000 points

Rewards Rate

1X

Annual fee

$95

Regular APR

18.49% - 27.49% Variable

Why you'll like this: Earning travel rewards is simple and you can enjoy payment flexibility.

Best for Hilton benefits

The Hilton Honors American Express Business Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.1
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on American Express's secure site

See Rates & Fees, Terms Apply

Intro offer

Earn 175,000 points

Rewards Rate

3X - 12X

Annual fee

$195

Regular APR

19.99% - 28.99% Variable

Why you'll like this: It offers one of the highest rewards rates you can get on Hilton stays.

compare
Compare

Researching the best business credit cards

Document Icon
50+
Cards rated
Search Icon
700+
Data points considered
Credit Card Cash Back Icon
10
Spending categories analyzed
Credit Card Reviews Icon
40+
Perks evaluated

We thoroughly rate and research the best business credit cards based on key criteria to help you make confident decisions when choosing your next credit card. Learn more about our methodology below.

Business credit vs. personal credit

A business credit score applies to businesses rather than individuals and ranges from 1 to 100 depending on the credit bureau. Business scores are also public and attached to an Employer Identification Number (EIN) rather than a Social Security number.

Building your business credit can be as easy as establishing credit with vendors and suppliers. However, not all lenders report accounts to business credit bureaus, so double check that yours does. You can check your business credit score at the reporting agencies Dun & Bradstreet, Equifax and Experian, though you may have to pay to see your score.

Opening a business credit card can potentially affect your personal credit score, as many issuers require small-business owners to personally guarantee their cards. Any debt, fees, or missed payments can affect your personal credit score if the issuer reports negative actions to consumer credit reporting agencies.

What makes a “great” business credit card?

Once you know how to get a business card, the next step is choosing a great one based on your business needs and goals. Keep these factors in mind to make the best decision to find a card that’s truly “great” for you:

Lightbulb Icon

Bankrate’s take: Though uncommon, business cards that do not require a personal guarantee exist. However, there’s usually a tradeoff. Instead of providing a personal guarantee, you'll usually need to link a corporate bank account with a large balance, provide proof of significant business profits or offer business assets as collateral.

Types of business credit cards

Business credit cards come in many different forms. Once you decide what features or rewards you want from your business card, you can explore our picks for the top choices for meeting those needs.

Business credit card news & views

Many people are looking for ways to boost their income, noting how even with a pay raise, their wages are still trailing inflation. This has led some to take up a side hustle or start their own side business. Meanwhile, the January 2024 Senior Loan Officer Opinion Survey on Bank Lending Practices also showed tighter underwriting standards for business loans, which may have pushed businesses to seek other funding products, like credit cards. 

If you’re earning extra money from side hustles, it may a good idea to open a business credit card to keep your expenses separate. As one Redditor remarks: “... if you value the benefits of separation of finances, building business credit, earning rewards, and having access to emergency funds, getting a business credit card could still be worthwhile for your consulting side gig.” 

How to choose the best business card is another major topic of discussion on Reddit. In another r/smallbusiness thread, on Redditor notes: “It depends on what you spend money on and what you value (cash back, free travel, or other perks).” Another reminds readers, “Different products exist precisely because there is not ‘one size fits all.’ It's contingent upon your circumstance and needs.” 

According to our proprietary data, these are the three business cards viewed most by Bankrate visitors:

Just like with personal cards, we agree that the best option for your business will reward you how you need it the most. While the "right" business credit card will depend on your business goals, getting a separate business card could be worth it.

Just make sure you manage your card wisely, as 51 percent of small businesses are classified as financially unhealthy, according to a recent J.D. Power survey.

* The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Bankrate logo
BANKRATE EXPERT FAQ

Ask the experts: How do business credit cards impact business taxes?


Financial Educator, Debt and Credit

Business credit card transactions that are legitimate business expenses may be written off as a business expense in some cases. A tax preparer may use those transactions as they’re working on your bookkeeping or as a means to prepare your taxes. Interest paid on business credit cards transactions is tax deductible, much like the interest paid on a business loan.

Contributor, Personal Finance

For small business owners — particularly single-member LLCs and S-Corps, business cards are an important tool to help track your transactions and keep them separate from your personal expenses. Using business cards to organize expenses really helps me maximize deductions.

Contributor, Credit Cards

A small business’s margins may be slim, and the right business credit card could potentially help. The rewards you earn with business credit cards aren't taxable, so if you maximize them you can earn substantial cash, points or miles. When you use the card exclusively for business expenses, you can also deduct the fees that are associated with these products.

How one Bankrate expert uses his business credit cards

Bankrate writer Ryan Flanigan explains his approach to choosing business cards and how he uses them as part of his overall credit card strategy.

Bankrate staff insights

"I like business cards because they can do the heavy lifting for me. When I have significant business spending, I know my personal credit won't take a hit, and I'll earn solid rewards. I've been able to keep my credit score in a good place even when I have a large balance on my business cards. It's also very helpful for keeping everything separate and organized once tax season rolls around.

When I'm looking for business cards, I want to see how they work together with other cards I have. For instance, Chase and Amex business cards can  pool points together, which can make for an excellent points-generating machine. Every card does its job by covering something different. Like in business, when cards work together for me, it makes a great partnership."

Ryan Flanigan Ryan Flanigan, Writer, Bankrate Credit Cards

Frequently asked questions about business credit cards

How we assess the best business credit cards

When evaluating the best business cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of small-business owners, from earning rewards in popular business spending categories to getting payment flexibility or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

Here’s a look at how our rating methodology breaks down for business credit cards:

5
Rating: 5 stars out of 5
Overall Score
  • Value 40%
  • Flexibility 20%
  • Perks 20%
  • Customer experience 20%

We analyzed over 50 of the most popular business credit cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered: