The right business credit card helps you manage cash flow, track expenses, earn rewards and build your business credit. Whether you're running a startup or an established company, choosing a card that matches your spending patterns can improve your financial management and support growth.
Best Business Credit Cards in 2025
Updated: November 14, 2025
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Best Business Credit Cards in 2025
A good business credit card improves your cash flow and helps you earn rewards on everyday expenses. MoneyGeek analyzed dozens of cards to find the best options for startups and established businesses alike. Here are our top picks.
Why You Can Trust Our List
To ensure that we provide our readers with the most accurate and up-to-date information, experts at MoneyGeek collect 57 data points from different sources, such as the Consumer Financial Protection Bureau, card issuer websites and our various partners. We rely on our unique in-house ranking methodology to select the best business credit cards, and our model assigns specific percentages to different parameters such as the annual fee, welcome offer, rewards rates, APR, foreign transaction fees and more.
The Blue Business® Plus Credit Card from American Express
On Partner's Website
Rewards Summary
Earn 1X to 2X pointsEarn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 annually. After that, earn 1 point per dollar. Terms and limitations apply.
APR
17.49% to 25.49% variableAnnual Fee
$0Recommended Credit
670 to 850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The American Express Blue Business Cash™ Card
On Partner's Website
Rewards Summary
Earn 1% – 2% cash backEarn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 1% cash back on all eligible purchases after spending $50,000 per calendar year.
APR
17.49% - 25.49% VariableAnnual Fee
$0Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Capital One Spark Miles for Business
On Partner's Website
Rewards Summary
Earn 2X – 5X miles5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel 2 Miles per $1 on every purchase, everywhere
APR
25.24% variableAnnual Fee
$0 intro for first year; $95 after thatRecommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Capital One Spark Cash Plus
On Partner's Website
Rewards Summary
Earn 2% – 5% cash backEarn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
APR
N/A (charge card)Annual Fee
$150Recommended Credit
740-850 (Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Ink Business Unlimited® Credit Card
Rewards Summary
Earn unlimited 1.5% cash back
Earn unlimited 1.5% cash back on every purchase made for your business
APR
17.74% to 23.74% variableAnnual Fee
$0Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Business Platinum Card® from American Express
On Partner's Website
Rewards Summary
Earn 1X – 5X pointsEarn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. And 1X points for each dollar you spend on eligible purchases.
APR
18.49%-27.49% variableAnnual Fee
$695Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Marriott Bonvoy Business® American Express® Card
On Partner's Website
Rewards Summary
Earn 2X - 6X pointsEarn 6X Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x Marriott Bonvoy Business® American Express® Card points on all other eligible purchases.
APR
19.99%-28.99% variableAnnual Fee
$125Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Ink Business Cash® Credit Card
Rewards Summary
Earn 1% to 5% cash backEarn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
APR
17.74% to 25.74% variableAnnual Fee
$0Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
American Express® Business Gold Card
On Partner's Website
Rewards Summary
Earn 1X – 4X Membership Rewards® pointsEarn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.* 1X is earned for other purchases. **
APR
18.49%-27.49% VariableAnnual Fee
$375Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Hilton Honors American Express Business Card
On Partner's Website
Rewards Summary
Earn 1X – 12X pointsEarn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year. 3X on all other eligible purchases. Terms & Limitations Apply.
APR
19.99%–28.99% VariableAnnual Fee
$195Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
United℠ Business Card
Rewards Summary
Earn 1X – 2X milesEarn 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
APR
21.24% to 28.24% variableAnnual Fee
$99Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
World of Hyatt Business Credit Card
Rewards Summary
Earn Up to 9x points total for Hyatt staysEarn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member. 2 Bonus Points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services. 2 Bonus Points per $1 spent on fitness club and gym memberships. And 1 Bonus Point per $1 spent on all other purchases.
APR
20.74% - 27.74% VariableAnnual Fee
$199Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Ink Business Preferred® Credit Card
Rewards Summary
Earn 1X - 3X pointsEarn 3 points per $1 on the first $150,000 spent on travel and select business categories for each account anniversary year. Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn.
APR
20.49% - 26.49% VariableAnnual Fee
$95Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
What Is a Business Credit Card?
A business credit card works like a personal credit card, letting you make purchases up to a specified limit. The difference? Features designed for businesses, including higher credit limits, business-focused rewards programs and expense management tools.
Use a business credit card to manage cash flow, track expenses, earn rewards and build a business credit profile. Cards are issued in the business's name and often require a personal guarantee from the business owner or principal.
Types of Business Credit Cards
Business credit cards aren't all the same. Different cards serve different spending patterns and business needs. Here are the main types you'll encounter:
Business rewards credit cards: Offer cash back, points or travel miles based on spending. Certain cards provide higher rewards for spending in specific business categories like travel, office supplies or advertising.
Business charge cards: Don't have a preset spending limit but require full balance payment each month. Best for businesses with significant spending that can pay off the balance monthly.
Corporate credit cards: Designed for large corporations with high annual revenue and offer high credit limits and detailed reporting features to monitor company-wide expenses. The application process requires a comprehensive business credit check.
Business Credit Cards vs. Personal Credit Cards
Business and personal credit cards function similarly but have key differences:
- Usage: Business credit cards are for business expenses only, while personal credit cards cover personal expenses. Keeping these separate simplifies bookkeeping and tax preparation.
- Credit Limit: Business credit cards have higher credit limits than personal cards, accommodating the higher expenses businesses incur.
- Rewards and Benefits: Business credit card rewards and benefits target common business expenses like travel or office supplies. They include tools for tracking and categorizing expenses rarely found on personal cards.
- Credit Reporting: Business credit card activity reports to business credit bureaus and responsible usage builds a business credit profile. If the card requires a personal guarantee, activity may also report to personal credit bureaus.
- Liability: The business is the primary debtor for a business credit card. Many cards require a personal guarantee, meaning the individual providing that guarantee can be held personally responsible for the debt.
BUILD CREDIT WITH EVERY PURCHASE
Your business's credit score affects future financing. Even when you can afford to pay for a purchase upfront, use your business credit card and settle the bill promptly. This builds a positive payment history beneficial for credit building.
Benefits of Business Credit Cards
Business credit cards help you manage cash flow, track expenses, earn rewards and build business credit.
Cash Flow Management
Business credit cards let you make purchases or pay for services immediately and settle the debt later. The grace period between purchase and payment acts as a short-term, interest-free loan, helpful when revenue slows but expenses continue.
Expense Tracking
Most cards include expense management tools that categorize and track spending, simplifying budget management and tax preparation. Year-end summaries break down spending by category for easy review.
Rewards Programs
Many business credit cards offer cash back, points or travel miles. Use these rewards to offset business travel costs, purchase supplies or reinvest in your business. Some cards provide bonus rewards for business categories like office supply stores or telecommunications services.
Building Business Credit
Responsible card use establishes and improves your business credit profile, helping you secure larger loans or lines of credit later. Strong business credit can lower insurance premiums, improve supplier terms and lead to more favorable credit terms.
Drawbacks of Business Credit Cards
Business credit cards have potential downsides to consider before you apply.
High Interest Rates
Business credit cards often carry high interest rates, especially for businesses with short credit histories or lower credit scores. Carrying a balance month to month creates substantial costs.
Complex Fee Structures
Some cards charge annual fees, late payment fees, foreign transaction fees and cash advance fees. Read the fine print to understand all potential costs.
Potential Impact on Personal Credit
Your business credit card usage can affect your personal credit report if you provide a personal guarantee when applying. Missed business payments could lower your personal credit score and make future credit harder to secure.
UNDERSTANDING THE TRUE COST
High interest rates and complex fee structures can quickly offset rewards benefits. Read all terms and conditions carefully. If costs exceed your budget, explore other financing options.
Applying for a Business Credit Card
Follow these steps when applying for a business credit card.
- 1Evaluate Your Needs
Review statements from your business checking account or credit cards to identify regular expenses and monthly spending patterns. This helps you choose a rewards program that maximizes returns on your typical purchases. If employees need purchasing power, check whether the card issuer offers employee cards, charges fees for them or lets you set individual spending limits.
- 2Compare Offers
Compare interest rates, rewards programs and fee structures across different cards. Read the terms and conditions for additional fees and features. Consider how each card fits your business — a card with foreign transaction fees won't work well if you travel overseas frequently or buy from foreign suppliers. Many business credit cards offer sign-up bonuses that require minimum spending. Make sure you can meet the requirement without overspending.
- 3Application Process
Most business credit cards require an Employer Identification Number (EIN), though sole proprietors can apply with their Social Security number. Prepare to provide business and personal financial information, including business revenue, profit numbers and personal income.
You'll learn your approval status immediately after applying. Approved applicants receive their card within one to two weeks. The process takes longer if the issuer requests additional documentation.
- 4Use Your Card Responsibly
Use your card for business expenses and pay off the balance in full each month to avoid interest charges and build business credit history.
Business Credit Card Best Practices and Tips for Maximizing Rewards
Manage your business credit card actively to prevent issues and maximize rewards.
Set up rules for card use: Determine how much you can afford to charge each month based on your credit limit and recurring expenses. Decide which expenses you'll charge, whether you'll carry a balance and how you'll use rewards.
Communicate the plan to your employees: Employees need clear guidelines on what and how much they can charge to their cards. Some credit cards include account tools that let you set spending limits.
Make on-time payments: Payment history affects personal and business credit. Set up automatic payments or electronic reminders to avoid late payments.
Keep your account balances low: Using less of your credit limit shows lenders you're not overextended. If you carry a balance month to month, keep it below 30% of your credit limit.
Should You Get a Business Credit Card?
Business credit cards offer benefits ranging from cash flow management to expense tracking, rewards programs and business credit building. But their value depends on your business's financial health, spending habits and goals.
Who Should Consider a Business Credit Card?
- You want to separate personal and business finances: Using a business credit card simplifies record-keeping and clarifies business expenses.
- You spend heavily on travel or specific categories: Select a card with rewards in categories like travel or office supplies to maximize benefits.
- You want to build business credit: Responsible card use and on-time payments report to business credit bureaus, helping build your credit score.
Who Should Avoid a Business Credit Card?
- You can't pay off the balance each month: High interest rates accumulate quickly, making business credit cards expensive for long-term borrowing.
- You have poor personal credit: Poor personal credit makes it difficult to secure a business credit card with favorable terms.
- You want to avoid a personal guarantee: Many business credit cards require a personal guarantee, putting your personal assets at risk.
Alternatives to a Business Credit Card
If a business credit card isn't right for you, consider these alternatives:
Business loans: Better for larger, long-term financing needs. Interest rates can be lower and loan terms longer, though they require more paperwork and have stricter approval processes than business credit cards.
Invoice factoring: Businesses that invoice clients can receive immediate payment for outstanding invoices at a discounted rate. The discount rates and fees can make this costly.
Trade credit: This credit agreement between businesses provides goods or services in return for payment at a later date, helping manage cash flow without credit cards or loans.
Business lines of credit: Draw from your line of credit as needed up to the limit and only pay interest on the amount borrowed. This offers more flexibility than a regular business loan.
Equipment leasing: If a large portion of expenses goes toward equipment, leasing can be more cost-effective than purchasing outright or financing through a credit card.
Personal credit cards: For small businesses and sole proprietors, using a personal credit card might make sense if business credit card offers aren't attractive. Separating business and personal expenses at tax time becomes harder with this approach.
Best Business Credit Cards: Bottom Line
Financial agility shapes a business's success. Business credit cards provide cash flow management, expense tracking, rewards and the ability to build a business credit profile. Understanding each card's specifics and matching them to your business needs maximizes this financial tool's value.
Expert Advice and FAQ: Business Credit Cards
We’ve got answers to some of the most critical questions about business credit and using business credit cards:
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Business Card FAQ
What personal and business credit score do you need to get a good business credit card?
A personal credit score of 670 or above helps you qualify for most business credit cards. Some cards accept scores as low as 580. Below 580, you'll likely need a secured business credit card.
What is a personal guarantee?
A personal guarantee is a promise you make to personally pay off the business card’s balance if your business is unable to.
Does a business credit card affect your personal credit score?
Yes, a business credit card may affect your personal credit score if the card issuer reports your account information to the personal credit bureaus.
How can I check my business credit score?
Dun & Bradstreet, Experian and Equifax all let you check your business credit reports and credit scores, but you may need to pay to access the information.
What card is best to boost my business credit?
Any business credit card can help you build credit as long as the card issuer reports your account activity to the commercial credit bureaus.
Can you get a business credit card without business credit?
Yes, most credit card issuers can base their lending decision on the business owner’s personal credit history.
Can you get a business credit card with fair or bad credit?
Yes, some business credit cards are geared toward business owners with fair to poor credit. You may need to apply for a secured credit card — but with responsible account use, the issuer may eventually upgrade your account to unsecured.
Can you apply for a business credit card without a business?
No, you must operate some kind of business to open a business credit card. But card issuers have lenient requirements of what defines a business.
Can you apply for a business credit card without an Employer Identification Number?
Yes, you can apply for a business credit card using your Social Security number. This usually applies to sole proprietors.
Are small business loans better than a business credit card?
That depends on what you need capital for. A business credit card is usually a good option for making relatively small day-to-day purchases, while loans are best for business owners who need a large sum of money up front and want to repay the money over several years.
What is a business charge card?
Business charge cards usually have no credit limit, but you must pay off the entire balance each month.
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About Grace Pilling
Grace Pilling helps readers make smart financial choices that support their goals, not a company's profits. Grace was a senior content manager at MoneyGeek and senior editor at CreditCards.com and Bankrate, where she taught people how to use credit cards wisely.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.