Business credit cards offer rewards, expense tracking, and credit building for your company. This guide compares the best business credit cards for 2025.
Business Credit Card Quick Facts 2025
- Best sign-up bonus: Up to $1,000+ value
- Top rewards rate: 5% back in bonus categories
- Annual fees: $0 - $695
- Best for travel: Chase Ink Business Preferred
Top Business Credit Cards 2025
| Card | Annual Fee | Sign-Up Bonus | Best For | Rating |
|---|---|---|---|---|
| Chase Ink Business Preferred | $95 | 100K points | Travel rewards | |
| Amex Business Gold | $375 | 100K points | Flexible rewards | |
| Capital One Spark Cash Plus | $150 | $1,200 cash | Cash back | |
| Chase Ink Business Cash | $0 | $750 cash | No annual fee | |
| Amex Blue Business Plus | $0 | 15K points | 2X everywhere |
BEST FOR TRAVEL
Chase Ink Business Preferred
- Annual fee: $95
- Sign-up bonus: 100,000 points ($1,250 value)
- Rewards: 3X on travel, shipping, internet, phone, advertising
- Redemption: Transfer to airlines/hotels or 1.25¢/point on travel
- Benefits: Cell phone protection, purchase protection
- Pros: Excellent bonus, valuable transfer partners
- Cons: Lower cap on bonus categories ($150K/year)
MOST FLEXIBLE
Amex Business Gold
- Annual fee: $375
- Sign-up bonus: 100,000 points ($1,000+ value)
- Rewards: 4X on top 2 spending categories each month
- Categories: Airfare, transit, gas, dining, tech, shipping, advertising
- Pros: Automatic category optimization, Amex perks
- Cons: High annual fee, $150K cap per category
BEST CASH BACK
Capital One Spark Cash Plus
- Annual fee: $150
- Sign-up bonus: $1,200 cash bonus
- Rewards: 2% unlimited cash back on everything
- Annual bonus: $200 for spending $200K
- Pros: Simple structure, huge bonus, no caps
- Cons: Requires excellent credit, charge card (pay in full)
Business Card Rewards Comparison
| Category | Best Card | Rate |
|---|---|---|
| Office supplies | Chase Ink Business Cash | 5% back |
| Internet/phone | Chase Ink Business Cash | 5% back |
| Travel | Chase Ink Business Preferred | 3X points |
| Advertising | Amex Business Gold | 4X points |
| Gas stations | Amex Business Gold | 4X points |
| Everything else | Amex Blue Business Plus | 2X points |
Best No Annual Fee Options
| Card | Sign-Up Bonus | Rewards | Rating |
|---|---|---|---|
| Chase Ink Business Cash | $750 | 5% office, internet, phone | |
| Chase Ink Business Unlimited | $750 | 1.5% on everything | |
| Amex Blue Business Plus | 15K pts | 2X on first $50K/year | |
| Capital One Spark 1.5% Cash | $500 | 1.5% on everything |
FAQ
Do I need an LLC to get a business credit card?
No. Sole proprietors, freelancers, and side hustlers can apply using their Social Security Number. Any income-generating activity qualifies.
Does a business card affect my personal credit?
Application will create a hard inquiry. Most issuers report to personal credit bureaus, but Capital One and some others report only to business bureaus.
What credit score do I need for business cards?
Most premium cards require 700+. Some starter business cards accept 650+. Business revenue and history also factor in.