Top 10 Business Credit Cards of 2025: Pros, Cons, and Key Features

Finding the right business credit card can be a game-changer for managing your company’s expenses, earning rewards, and gaining access to valuable perks. Whether you’re a small business owner looking for simple cash-back options or a growing enterprise in need of travel rewards and flexible spending, there’s a card designed for your needs. Business credit cards not only help streamline expenses but also offer tools to monitor spending, manage employee purchases, and even save on costs through rewards and cashback programs.

In this blog, we’ll take a closer look at the top 10 business credit cards of 2025. Each card comes with unique features, including rewards structures, introductory offers, and special perks. We’ll explore the pros and cons of each card to help you make an informed decision. Whether your priority is earning points, cash back, or maximizing travel benefits, this guide will help you find the best business credit card for your goals.

Top 10 Business Credit Cards of 2025

1. Ink Business Preferred® Credit Card

Intro Offer: Earn 90,000 bonus points after spending $8,000 in the first 3 months
APR: Variable
Annual Fee: $95
Rewards Rate:

• 3X points on the first $150,000 spent on travel, shipping, advertising, and telecommunications annually
• 1X point on all other purchases

Pros:

• High rewards rate on common business expenses like travel and advertising
• Generous sign-up bonus worth up to $900 in travel through Chase Ultimate Rewards®
• Strong travel protections, including trip cancellation insurance

Cons:

• Annual fee of $95
• Rewards categories may not align with businesses that don’t spend heavily on travel or advertising

2. American Express® Business Gold Card

Intro Offer: Earn 100,000 Membership Rewards® points after spending $15,000 in the first 3 months
APR: Variable
Annual Fee: $375
Rewards Rate:

• 4X points on the top two categories your business spends the most on each billing cycle (up to $150,000 annually)
• 1X point on other purchases

Pros:

• Flexible rewards tailored to your top spending categories
• Valuable travel benefits and the ability to transfer points to airline and hotel partners
• No foreign transaction fees

Cons:

• High annual fee of $375
• Requires significant spending to unlock the full value of rewards

3. Capital One Spark Cash Plus

Intro Offer: Earn up to $2,000 cash bonus: $500 after spending $5,000 in the first 3 months, plus $1,500 after spending $50,000 in the first 6 months
APR: N/A (charge card, must pay in full each month)
Annual Fee: $150
Rewards Rate:

• 2% cash back on all purchases

Pros:

• Simple, flat-rate rewards on all purchases with no cap
• No preset spending limit provides flexibility for growing businesses
• No foreign transaction fees

Cons:

• Requires full payment each month, which may not suit all businesses
• Annual fee of $150

4. The Blue Business® Plus Credit Card from American Express

Intro Offer: Earn 15,000 Membership Rewards® points after spending $3,000 in the first 3 months
APR: 0% intro APR on purchases for 12 months; variable APR thereafter
Annual Fee: $0
Rewards Rate:

• 2X points on the first $50,000 spent annually
• 1X point thereafter

Pros:

• No annual fee makes it cost-effective for smaller businesses
• Flexible points that can be used for travel or transferred to partners
• Introductory 0% APR on purchases

Cons:

• Rewards capped at $50,000 annually at the 2X rate
• Fewer premium benefits compared to higher-tier cards

5. Ink Business Cash® Credit Card

Intro Offer: Earn $750 after spending $6,000 in the first 6 months
APR: 0% intro APR on purchases for 12 months; variable APR thereafter
Annual Fee: $0
Rewards Rate:

• 5% cash back on the first $25,000 spent at office supply stores and on internet, cable, and phone services annually
• 2% cash back on gas stations and restaurants (up to $25,000 annually)
• 1% on other purchases

Pros:

• High cash-back rates on common business categories
• No annual fee
• Introductory 0% APR on purchases

Cons:

• Spending caps on bonus categories limit earnings potential for higher-spending businesses
• Limited travel benefits

6. American Express Blue Business Cash™ Card

Intro Offer: Earn a $250 statement credit after spending $3,000 in the first 3 months
APR: 0% intro APR on purchases for 12 months; variable APR thereafter
Annual Fee: $0
Rewards Rate:

• 2% cash back on all purchases up to $50,000 annually
• 1% cash back thereafter

Pros:

• Straightforward cash-back rewards with no annual fee
• Introductory 0% APR on purchases
• Expanded buying power beyond the credit limit

Cons:

• Rewards capped at $50,000 annually for the 2% rate
• Limited premium benefits

7. Capital One Spark Miles for Business

Intro Offer: Earn 50,000 miles after spending $4,500 in the first 3 months
APR: Variable
Annual Fee: $0 for the first year; $95 thereafter
Rewards Rate:

• 2X miles on all purchases

Pros:

• Simple, flat-rate miles with no caps
• Transfer miles to over 15 travel loyalty programs
• No foreign transaction fees

Cons:

• Annual fee kicks in after the first year
• Limited travel perks compared to premium travel cards

8. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Intro Offer: Earn $500 cash back after spending $4,500 in the first 150 days
APR: 0% intro APR on purchases and balance transfers for 15 billing cycles; variable APR thereafter
Annual Fee: $0
Rewards Rate:

• 3% cash back on gas stations, office supply stores, cell phone providers, and restaurants
• 1% on all other purchases

Pros:

• High cash-back rates in key business categories
• No annual fee
• Long 0% APR period for purchases and balance transfers

Cons:

• Foreign transaction fees apply
• Limited value for businesses without significant spending in bonus categories

9. Brex Card

Intro Offer: Up to 50,000 points upon meeting certain criteria
APR: N/A (charge card, must pay in full each month)
Annual Fee: $0
Rewards Rate:

• 7X points on rideshare
• 4X on travel booked through Brex
• 3X on restaurants
• 2X on software
• 1X on other purchases

Pros:

• No personal guarantee required, making it ideal for startups
• Tailored rewards for tech and startup businesses
• Integrates seamlessly with accounting software

Cons:

• Requires a Brex Cash account
• Not as widely accepted as traditional credit cards

10. Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Intro Offer: Earn $300 statement credit after spending $3,000 in the first 90 days
APR: 0% intro APR on purchases for 9 billing cycles; variable APR thereafter
Annual Fee: $0
Rewards Rate:

• 3% cash back in one category of your choice (gas, online shopping, travel, dining, or office supply stores)
• 2% on dining and wholesale clubs (combined $50,000 annual limit for 2% and 3% categories)
• 1% on all other purchases

Pros:

• No annual fee
• Customizable rewards categories to match spending patterns
• Bonus rewards for Bank of America Preferred Rewards members

Cons:

• Spending caps on bonus categories
• Limited premium benefits

Wrapping Up The Top 10 Business Credit Cards of 2025

Choosing the right business credit card is more than just a financial tool—it’s a strategy that can help your business save money, earn rewards, and streamline expenses. Each of the top 10 business credit cards listed here has unique benefits designed to cater to different types of businesses, from small startups to larger enterprises. Selecting the best card for your business depends on understanding your spending patterns, reward preferences, and financial goals.

For businesses with significant travel expenses, cards like the Ink Business Preferred® Credit Card and the Capital One Spark Miles for Business stand out. These cards offer flexible travel rewards, no foreign transaction fees, and high earning potential on travel-related purchases. Additionally, they provide valuable perks like trip insurance and access to travel loyalty programs, making them ideal for businesses with employees who frequently travel.

If you prioritize cash back, options like the American Express Blue Business Cash™ Card and the Capital One Spark Cash Plus deliver straightforward rewards on everyday spending. Their simple cash-back structures make it easy to track earnings without worrying about spending categories. Plus, their no-annual-fee or moderate annual fee structures ensure affordability for businesses of all sizes.

For startups or tech-focused businesses, the Brex Card offers unique rewards tailored to modern industries. With points for rideshare, travel, and software, it’s designed for the needs of fast-growing companies. And since it doesn’t require a personal guarantee, it’s an attractive option for business owners seeking to separate personal and business finances.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® and the Bank of America® Business Advantage Customized Cash Rewards Mastercard® provide strong rewards in specific spending categories like gas, dining, and office supplies, along with no annual fees. These are excellent choices for businesses focused on maximizing value in everyday operational expenses.

Ultimately, selecting the best business credit card involves balancing the card’s features with your business’s unique needs. Consider factors like annual fees, rewards structures, spending caps, and introductory offers to determine which card will provide the greatest benefits. With the right choice, you can unlock rewards, save on expenses, and gain access to valuable tools that support your business’s growth.

By using your business credit card strategically, you can turn everyday expenses into opportunities to earn rewards and reinvest those savings into your company. Whether you’re aiming to earn travel points, maximize cash back, or access premium benefits, one of these top 10 business credit cards will align with your goals. Take the time to evaluate your business’s needs, and let your credit card work as a powerful partner in your financial success. Start maximizing rewards today and give your business the financial tools it needs to thrive!