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    Best Business Credit Cards of 2025

    Business credit cards help separate personal and business expenses while earning rewards on categories like office supplies, advertising, travel, and shipping. The best business cards offer generous sign-up bonuses, employee cards at no extra cost, and perks tailored to business needs. We've evaluated the top options for businesses of all sizes.

    Quick Comparison

    CardAnnual FeeRating
    Ink Business Cash® Credit Card

    Best for Office Expenses

    		$04.7/5
    Ink Business Preferred® Credit Card

    Best Overall Business Card

    		$954.8/5
    Blue Business® Plus Credit Card from American Express

    Best Flat-Rate Business Card

    		$04.5/5
    Capital One Spark Cash Plus

    Best for High Spenders

    		$1504.4/5

    Detailed Card Reviews

    1

    Ink Business Cash® Credit Card

    Chase

    Best for Office Expenses

    Annual Fee

    $0

    Sign-Up Bonus

    $350 back after spending $3,000 in first 3 months

    Regular APR

    18.49% – 24.49% Variable

    Credit Score

    Good to Excellent (670+)

    Rewards Rate

    5% on the first $25,000 spent in office supplies, internet, cable, and phone services; 2% at gas stations and restaurants (first $25,000); 1% on everything else

    Intro APR

    0% intro APR for 12 months on purchases

    4.7

    Why We Like It

    The Ink Business Cash is the best no-annual-fee business card for companies with significant office supply, telecom, and internet expenses. The 5% back on these categories (up to $25K/year) can generate substantial savings, and points can be transferred to a Sapphire card for even more value.

    Pros

    • 5% back on office supplies, internet, cable, and phone
    • $0 annual fee
    • $350 sign-up bonus
    • Points combinable with Chase Sapphire for travel redemption

    Cons

    • 5% and 2% rates capped at $25,000/year each
    • 1% rate on non-category spending is low
    • Foreign transaction fees apply

    Who Should Apply

    Small businesses that spend heavily on office supplies, internet, and phone services. If you have a Chase Sapphire card, you can transfer Ink Cash points for travel at higher value.

    Apply Now
    2

    Ink Business Preferred® Credit Card

    Chase

    Best Overall Business Card

    Annual Fee

    $95

    Sign-Up Bonus

    100,000 bonus points after spending $8,000 in first 3 months

    Regular APR

    21.24% – 26.24% Variable

    Credit Score

    Good to Excellent (670+)

    Rewards Rate

    3X on the first $150,000 in travel, shipping, internet, cable, and phone services; advertising via social media and search engines; 1X on everything else

    4.8

    Why We Like It

    The Ink Business Preferred offers one of the largest sign-up bonuses available (100,000 points worth $1,250 in travel) and earns 3X in crucial business categories including advertising, shipping, and telecom. Points transfer 1:1 to Chase travel partners for even more value.

    Pros

    • 100,000-point sign-up bonus (worth $1,250+ in travel)
    • 3X on travel, shipping, internet, phone, and advertising
    • Points transfer to Chase airline and hotel partners
    • No foreign transaction fees

    Cons

    • $95 annual fee
    • $8,000 spending requirement for sign-up bonus
    • 1X on non-category purchases

    Who Should Apply

    Businesses that spend on advertising, shipping, travel, and telecom. The 100K sign-up bonus alone makes this card worth applying for, and the 3X categories cover most common business expenses.

    Apply Now
    3

    Blue Business® Plus Credit Card from American Express

    American Express

    Best Flat-Rate Business Card

    Annual Fee

    $0

    Sign-Up Bonus

    15,000 Membership Rewards points after spending $3,000 in first 3 months

    Regular APR

    18.49% – 26.49% Variable

    Credit Score

    Good to Excellent (670+)

    Rewards Rate

    2X Membership Rewards points on the first $50,000 in purchases per year, then 1X

    Intro APR

    0% intro APR for 12 months on purchases

    4.5

    Why We Like It

    The Blue Business Plus offers the highest flat-rate earning in Membership Rewards (2X on up to $50K/year) with no annual fee. It's the perfect companion card for Amex-centric businesses, maximizing points on all non-category spending.

    Pros

    • 2X Membership Rewards points on up to $50,000/year
    • $0 annual fee
    • 12-month 0% intro APR
    • Membership Rewards points transfer to airline/hotel partners

    Cons

    • 2X earning capped at $50,000/year
    • Sign-up bonus is modest (15,000 points)
    • Amex acceptance can be limited

    Who Should Apply

    Businesses that want a simple, high-earning card without category management. If you already have an Amex card with Membership Rewards, this is the ideal companion for non-category spending.

    Apply Now
    4

    Capital One Spark Cash Plus

    Capital One

    Best for High Spenders

    Annual Fee

    $150

    Sign-Up Bonus

    $1,200 cash bonus: $500 after $5,000 in 3 months + $500 after $50,000 in 6 months

    Regular APR

    N/A (charge card — pay in full)

    Credit Score

    Excellent (720+)

    Rewards Rate

    2% unlimited cash back on every purchase

    4.4

    Why We Like It

    The Spark Cash Plus is designed for high-spending businesses. The unlimited 2% cash back with no caps means the more you spend, the more you earn. The tiered $1,200 sign-up bonus rewards both immediate and sustained spending.

    Pros

    • Unlimited 2% cash back with no caps
    • $1,200 sign-up bonus potential
    • No foreign transaction fees
    • Free employee cards

    Cons

    • $150 annual fee
    • Charge card — must pay balance in full monthly
    • High spending requirements for full sign-up bonus

    Who Should Apply

    High-spending businesses that want simple, uncapped 2% cash back. The charge card structure means you'll need to pay in full each month, so it's best for businesses with strong cash flow.

    Apply Now

    Frequently Asked Questions

    While you can, it's generally better to keep business and personal expenses separate. A dedicated business credit card simplifies bookkeeping, offers business-specific perks, and can help build business credit.

    Most business card applications result in a hard inquiry on your personal credit. Some issuers (like Chase) report business card activity to personal credit bureaus, while others (like Amex) typically do not — unless you miss payments.

    Most premium business cards require good to excellent credit (670+). Some charge cards like the Capital One Spark Cash Plus may require 720+. Your business revenue and history may also be considered.

    Yes! Cards like the Ink Business Preferred earn Chase Ultimate Rewards points that can be combined with personal Sapphire cards and transferred to airline/hotel partners for personal travel.