The right business credit card can earn thousands in rewards annually while providing cash flow flexibility and expense tracking. This guide compares the best cards for every business type and spending pattern.
Top Business Cards 2025
- Best Overall: Chase Ink Business Preferred (3x points on travel, shipping, ads)
- Best Cashback: Capital One Spark Cash Plus (2% unlimited)
- Best Rewards: Amex Business Gold (4x on top 2 categories)
- Best 0% APR: Ink Business Unlimited (0% for 12 months)
- Best No Annual Fee: Chase Ink Business Unlimited
Best Business Credit Cards Compared
| Card | Annual Fee | Welcome Bonus | Best Rewards | Rating |
|---|---|---|---|---|
| Chase Ink Business Preferred | $95 | 100,000 points | 3x travel, shipping, ads | |
| Amex Business Gold | $375 | 70,000 points | 4x on top 2 categories | |
| Capital One Spark Cash Plus | $150 | $1,200 bonus | 2% unlimited cashback | |
| Ink Business Unlimited | $0 | $900 bonus | 1.5% unlimited | |
| Brex Card | $0 | Varies | Up to 8x on categories |
Best Cards by Business Type
FREELANCERS
Best for Freelancers & Consultants
- Amex Blue Business Plus: 2x on everything, no annual fee
- Chase Ink Business Cash: 5% on office supplies, internet
- Capital One Spark Classic: Build business credit
E-COMMERCE
Best for Online Sellers
- Chase Ink Preferred: 3x on shipping, advertising
- Amex Business Gold: 4x on US shipping
- Brex Card: 4x on rideshare, 3x on travel
TRAVEL
Best for Business Travel
- Amex Business Platinum: 5x flights, lounges, elite status
- Capital One Venture X Business: 2x everything, $300 travel credit
- United Business Card: Free checked bags, priority boarding
0% APR Business Cards
| Card | 0% APR Period | Regular APR | Best For |
|---|---|---|---|
| Ink Business Unlimited | 12 months | 18.49-24.49% | General spending |
| Ink Business Cash | 12 months | 18.49-24.49% | Office expenses |
| Amex Blue Business Plus | 12 months | 18.49-26.49% | Everyday purchases |
| US Bank Business Platinum | 18 months | 15.24-24.24% | Large purchases |
Business Card Benefits
Expense Management
- Employee cards: Free additional cards with spending limits
- Expense reports: Automatic categorization and tracking
- Receipt capture: Mobile app photo uploads
- Accounting integration: QuickBooks, Xero, FreshBooks
- Year-end summaries: Easy tax preparation
Cash Flow Benefits
- Grace period: 21-25 days interest-free
- Higher limits: Based on business revenue
- Net terms: Some cards offer net-30 or net-60
- Working capital: Bridge gaps between invoices
How to Choose the Right Card
Decision Factors
- Spending categories: Match rewards to your biggest expenses
- Annual fee ROI: Will rewards exceed the fee?
- Cash flow needs: Consider 0% APR offers
- Credit requirements: Personal guarantee vs. business-only
- Integration needs: Accounting software compatibility
Business vs. Personal Cards
- Liability: Business cards may require personal guarantee
- Credit reporting: Most don't report to personal bureaus
- Tax benefits: Easier expense tracking and deductions
- Higher limits: Based on business revenue, not personal income
- Employee cards: Free authorized user cards
Qualifying for Business Cards
- Sole proprietors: Can apply with SSN, no EIN required
- Side hustles: Freelancing, reselling count as businesses
- New businesses: Many cards accept startups
- Credit score: Most require 670+ personal score
- Revenue: Estimate annual business revenue