💳 Best Business Credit Cards – October 2025

Based on your spending habits and financial goals, the best business credit cards can be categorized by their reward structure and features. Top choices for 2025 offer excellent flat-rate cash back, tiered rewards on specific business expenses, generous travel points, or a 0% introductory APR. 

For most options, issuers typically check your personal credit history, and a “Good” to “Excellent” credit score (670+) will offer the best approval odds and terms. 

Disclaimer: Business credit card offers can change frequently. The details in the tables below are a summary based on recent information and may vary. Always check the issuer’s website for the most up-to-date terms before applying.

These cards are best for businesses that prefer simple, flexible rewards that can be used for any purpose, including reinvesting in the business. 

Card	Annual Fee	Best For	Rewards Rate
Ink Business Cash® Credit Card	$0	Office supply purchases, internet, phone, and cable services	5% cash back (up to $25,000 spent per year in combined purchases), 2% cash back at gas stations and restaurants (up to $25,000 spent per year), and 1% on everything else
The American Express Blue Business Cash™ Card	$0	Flat-rate cash back on everyday spending	2% cash back on up to $50,000 in eligible purchases per year, then 1% cash back
Bank of America® Business Advantage Customized Cash Rewards Mastercard®	$0	Businesses with flexible spending and Preferred Rewards members	3% cash back in a category of your choice, 2% cash back on dining, and 1% on other purchases (on up to $50,000 in combined choice category/dining purchases per year)

These cards offer premium perks, higher spending limits, and valuable points or miles for businesses that travel frequently. 

Card	Annual Fee	Best For	Rewards Rate
Ink Business Preferred® Credit Card	$95	A large welcome offer and travel redemptions	3x points on the first $150,000 spent in select business categories (including travel, shipping, and advertising), and 1x point on everything else
Capital One Venture X Business	$395	Premium travel benefits with transferable miles	10x miles on hotels and rental cars and 5x miles on flights through Capital One Travel, plus unlimited 2x miles on all other purchases
The Business Platinum Card® from American Express	$695	Luxury travel perks and airport lounge access	5x points on flights and prepaid hotels booked on AmexTravel.com

Selecting the best business credit card depends on your company’s spending habits, financial goals, and growth stage. Here are key factors to consider before applying:

• Analyze your spending patterns: Review your business expenses to identify where most of your money goes—such as travel, office supplies, or software subscriptions. Choose a card that offers higher rewards or cash back in those categories.
• Assess your cash flow: If you may carry a balance, focus on cards with low interest rates or 0% introductory APR offers to manage financing costs. If you consistently pay your balance in full, opt for a card with generous rewards or travel points instead.
• Check eligibility requirements: Most traditional business cards require a personal credit check and guarantee. However, newer corporate cards like Brex and Ramp evaluate your business’s financial health instead of personal credit—but often require higher cash reserves.
• Compare card features: Look beyond the rewards program. Features like expense tracking tools, fraud protection, account integrations, and customizable employee cards can streamline operations and enhance financial control.