Running a business requires smart financial management, and a good business credit card can help with cash flow, rewards, and expense tracking. Here are the top 5 best business credit cards in 2025, based on rewards, benefits, and overall value.
1. American Express Business Platinum Card®
Best for: Premium travel perks & high spenders
Key Features:
- Welcome Bonus: Earn 150,000 Membership Rewards® points after spending $20,000 in the first 3 months.
- Earn Rates:
- 5X points on flights & prepaid hotels (Amex Travel)
- 1.5X points on eligible purchases over $5,000 (up to 1M points/year)
- Travel Benefits:
- Airport lounge access (Priority Pass, Centurion Lounges)
- $200 airline fee credit
- Global Entry/TSA PreCheck credit
- Annual Fee: $695
Why Choose It? Ideal for frequent travelers who want luxury perks and high rewards on big purchases.
2. Chase Ink Business Preferred® Credit Card
Best for: High rewards on business spending
Key Features:
- Welcome Bonus: 100,000 Chase Ultimate Rewards® points after spending $8,000 in 3 months.
- Earn Rates:
- 3X points on travel, shipping, internet/cable/phone, and advertising (up to $150K/year)
- 1X points on all other purchases
- Travel & Protections:
- Primary rental car insurance
- Cell phone protection ($1,000/year)
- Annual Fee: $95
Why Choose It? Great for businesses with high ad, travel, or shipping expenses. Points transfer to airlines/hotels at 1:1.
3. Capital One Spark Cash Plus
Best for: Simple cash back with no spending limits
Key Features:
- Welcome Bonus: 1,000cashbonus∗∗afterspending∗∗1,000cashbonus∗∗afterspending∗∗30,000 in 3 months.
- Earn Rates:
- 2% unlimited cash back on every purchase
- No preset spending limit
- No Foreign Transaction Fees
- Annual Fee: $150 (waived first year)
Why Choose It? Perfect for businesses that want straightforward, unlimited cash back without category restrictions.
4. Bank of America® Business Advantage Customized Cash Rewards
Best for: Flexible cash back categories
Key Features:
- Welcome Bonus: 300statementcredit∗∗afterspending∗∗300statementcredit∗∗afterspending∗∗3,000 in 90 days.
- Earn Rates:
- 3% cash back in a category of choice (gas, office supplies, travel, etc.)
- 2% cash back on dining (up to $50K/year)
- 1% cash back on everything else
- No Annual Fee
Why Choose It? Best for small businesses that want customizable rewards with no annual fee.
5. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Long-term savings & 0% intro APR
Key Features:
- Welcome Bonus: 500cashback∗∗afterspending∗∗500cashback∗∗afterspending∗∗4,500 in 150 days.
- Earn Rates:
- 3% cash back on eligible purchases at gas stations, restaurants, and office supply stores
- 1% cash back on all other purchases
- 0% Intro APR: 15 months on purchases & balance transfers
- No Annual Fee
Why Choose It? Excellent for businesses looking for an introductory 0% APR period and solid cash back.
Final Verdict: Which Card is Best for You?
- Best for Travel: Amex Business Platinum
- Best for Advertising/Shipping: Chase Ink Preferred
- Best for Unlimited Cash Back: Capital One Spark Cash Plus
- Best for Customizable Rewards: Bank of America Business Cash
- Best for 0% APR & Savings: U.S. Bank Triple Cash
Choose the card that aligns with your business spending habits to maximize rewards and benefits!