Business credit cards offer valuable rewards, cash back, and perks that can help entrepreneurs and business owners save money. Whether you need high spending limits, travel rewards, or cash back on business expenses, here are the best business credit cards for 2025.
1. Ink Business Preferred® Credit Card
- Why It’s Great:
- 100,000 bonus points after spending $8,000 in the first 3 months.
- 3x points on travel, shipping, internet, cable, phone services, and advertising purchases (up to $150,000 per year).
- Cell phone protection and no foreign transaction fees.
- Best For: Businesses with high advertising and travel expenses.
2. American Express® Business Gold Card
- Why It’s Great:
- 4x points on the two highest spending categories each month (up to $150,000 per year).
- Flexible redemption options, including airline transfer partners.
- No preset spending limit for added flexibility.
- Best For: Businesses with fluctuating expenses across multiple categories.
3. Capital One Spark Cash Plus
- Why It’s Great:
- Unlimited 2% cash back on all purchases.
- $1,200 cash bonus after spending $30,000 in the first 3 months.
- No preset spending limit and no foreign transaction fees.
- Best For: Businesses that prefer simple, unlimited cash back.
4. The Blue Business® Plus Credit Card from American Express
- Why It’s Great:
- 2x Membership Rewards points on all purchases (up to $50,000 per year, then 1x).
- No annual fee.
- 0% introductory APR on purchases for 12 months.
- Best For: Small businesses looking for a no-fee rewards card.
5. Brex Card
- Why It’s Great:
- No personal guarantee required.
- 7x points on rideshares, 4x on travel, 3x on restaurants, and 1x on all other purchases.
- No annual fee and no foreign transaction fees.
- Best For: Startups and tech companies looking for tailored rewards.
How to Choose the Best Business Credit Card
- Assess Your Spending: Pick a card that rewards your highest expense categories.
- Consider Travel vs. Cash Back: Decide if you prefer travel perks or direct cash rewards.
- Evaluate Credit Limits and Flexibility: Choose a card that grows with your business.
- Check for Extra Perks: Business credit cards often offer purchase protections, extended warranties, and employee cards.
Final Thoughts
A business credit card can help streamline expenses, earn rewards, and build business credit. Whether you prioritize travel perks, cash back, or flexible spending, there’s a great option for your needs.
Would you like personalized recommendations based on your business type?
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