Best Business Credit Cards in 2025: How to choose the right one for your company
A business credit card is a financial tool specifically designed for business expenses, allowing companies to manage cash flow, track spending, and earn rewards tailored to business needs.
Using a business credit card can significantly contribute to the growth and financial organization of a company by providing flexible financing options and simplifying expense management.
In this comprehensive content, we will explore what business credit cards are, their benefits, how to choose the right one, and highlight some of the best options available in 2025.
What is a business credit card and why should you use one?
Business credit cards are specialized lines of credit issued to companies to cover operational expenses.
They offer a convenient way to separate personal and business finances, which is crucial for accurate accounting and tax reporting.
Additionally, these cards provide access to exclusive benefits, such as rewards for corporate spending and financial management tools.
Key differences from Personal Credit Cards
A business credit card works similarly to a personal credit card but is exclusively for business-related expenses.
The key differences include:
- Credit Reporting: Business credit cards are generally reported to commercial credit agencies, helping to build the company’s credit profile, whereas personal cards are reported to consumer credit agencies.
- Spending Limits: They typically come with higher credit limits to accommodate larger business expenses.
- Liability: While some business credit cards offer limited liability protection, many require a personal guarantee, making the individual owner responsible for the debt if the business defaults.
Top benefits of having a Business Credit Card
Using a business credit card responsibly helps you separate personal finances from business finances, which is essential for accounting, tax reporting, and legal protection.
You also have access to spending insights, customizable employee cards, and often earn rewards in the form of cashback or travel points for purchases your company would make anyway.
In the long run, responsible use can help establish your business credit — a valuable asset for securing future financing.
How to choose the right Business Credit Card
With dozens of options on the market, choosing the best business credit card depends on the size, expenses, and goals of your company.
Start by analyzing your spending habits and what you expect from a card — whether it’s cashback, travel rewards, low fees, or financing flexibility.
Identify your business needs
Some businesses spend heavily on advertising, while others accumulate costs on travel or equipment.
A digital marketing agency may benefit more from a rewards card that gives points on online advertising, while a construction company may prioritize cards with high limits and expense management tools.
The right card should reflect where your company spends the most and scale with your monthly budget and revenue growth.
Compare key features
Take a close look at the annual percentage rate (APR), fees, welcome bonuses, and available rewards. A low or 0% introductory APR can help if you plan to finance purchases over time.
Some cards waive annual fees or offer generous sign-up bonuses if you meet specific spending requirements.
Also, consider additional protections, such as travel insurance or extended warranties on purchases.
Consider credit score and approval requirements
Most business credit cards require a good to excellent credit score, and a personal guarantee is often part of the application process.
If your credit score is below 670, you may face difficulties qualifying for premium cards, but there are still options.
Startups without an established credit profile can explore cards like the Brex Card, which doesn’t require a personal credit check and bases approval on revenue and funding.
Top Business Credit Cards in 2025
Different cards cater to different types of businesses. Below, we’ve selected some of the best business credit cards available in 2025, each with specific strengths.
Chase Ink Business Preferred®
The Chase Ink Business Preferred Card is ideal for businesses with significant advertising and travel expenses, this card earns 3x points on the first $150,000 spent annually in selected categories.
Points can be redeemed through Chase Ultimate Rewards and transferred to various airline and hotel partners.
The card has a $95 annual fee and offers a strong welcome bonus if spending requirements are met.
American Express® Business Gold
American Express Business Gold offers flexible rewards, earning 4x Membership Rewards points on the two categories where your business spends the most each month.
It is especially beneficial for businesses with fluctuating expenses. The annual fee is $375, and the card includes valuable benefits such as purchase protection and travel insurance.
Additionally, the points accumulated can be redeemed for travel, statement credits, products, and much more, offering versatility in using the benefits.
Capital One Spark Cash Plus
With 2% unlimited cashback on every purchase and no preset spending limit, the Capital One Spark Cash Plus is excellent for businesses with consistent, high-volume purchases.
Although the $150 annual fee is not waived, the simple flat-rate cashback makes it ideal for owners who don’t want to track categories.
Additionally, it offers access to expense management tools and detailed reporting, helping to keep financial control with ease.
Brex for Startups
The Brex Card stands out for not requiring a personal credit check. Instead, approval is based on the cash flow and funding of your company.
Startups earn points in categories like ridesharing, restaurants, and software subscriptions.
There is no annual fee, which makes it especially attractive for early-stage businesses looking for flexibility and savings.
Bank of America® Business Advantage Customized Cash
Offering 3% cashback in a category of your choice (such as gas stations, office supply stores, or travel), 2% at restaurants, and 1% on all other purchases, Bank of America Business Advantage Customized Cash is customizable and rewarding.
It has no annual fee and is a solid option for small businesses looking for personalized benefits without additional costs.
Its flexible rewards structure allows the card to adapt to each business’s specific needs, maximizing earnings based on consumption patterns.
How to apply for a Business Credit Card
Before applying for a business credit card, gather the necessary documents and choose a card that aligns with your needs. The application process is generally straightforward.
Requirements and documentation
Normally, you will need to provide the name of your business, address, structure (LLC, sole proprietorship, etc.), estimated annual revenue, and Employer Identification Number (EIN).
For sole proprietors, your Social Security Number can be used instead, which simplifies the process for small businesses without an EIN.
Be prepared to provide your personal credit information, especially if a personal guarantee is required, as many card issuers require this verification to approve the application.
Step-by-Step application process
Start by researching and selecting a card based on your spending profile and reward preferences.
Once chosen, complete the online application and include all necessary business and personal information.
After submission, some issuers offer instant approval, while others may take several days to verify the documentation.
Once approved, activate your card, set up your online dashboard, and issue cards for employees if necessary.
Tips for managing your business credit card wisely
Having a business credit card comes with responsibility. Managing it wisely can improve your company’s financial reputation and save money over time.
Track spending and set limits
Use the expense tracking features of your card or integrate it with accounting software to monitor spending patterns.
Issuers often allow you to set custom limits on employee cards, helping to enforce internal policies and stay within budget.
Additionally, many platforms offer detailed reports and real-time alerts, making it easier to track expenses and avoid surprises at the end of the month.
Pay in full when possible
Avoid carrying a balance whenever possible to save on interest and maintain a healthy credit utilization rate.
Paying your card off consistently every month demonstrates strong financial management and helps build a solid business credit profile.
Leverage rewards strategically
Maximize your rewards by using the card for purchases that align with your business needs.
By strategically using rewards, you can offset business expenses or reinvest them into your company.
Additionally, staying on top of payments can improve your chances of approval for future financing and secure better credit terms.
Business Credit vs Business Line of Credit: What’s the difference?
Although both tools provide access to capital, a business credit card is better suited for frequent, smaller expenses, while a business line of credit is more appropriate for larger, short-term financing needs.
Check out the pros and cons of each option:
| Feature | Business Credit Card | Business Line of Credit |
| Purpose | Day-to-day purchases and employee spending | Larger expenses or working capital |
| Access to Funds | Revolving credit through a card | Funds accessed via transfer or check |
| Repayment Terms | Monthly minimum payments | Flexible repayment based on use |
| Interest Rate | Higher APR (unless paid in full monthly) | Often lower than credit cards |
| Rewards & Perks | Yes (cash back, points, travel) | No |
| Builds Credit | Yes | Yes |
Frequently Asked Questions (FAQ)
- Can I get a business credit card with bad credit?
Yes, but your options may be limited. Look for secured business cards or issuers that don’t require a credit check, such as Brex.
- Do I need an LLC to apply for a business credit card?
No. Sole proprietors can apply using their Social Security Number. However, having an LLC can boost your professional credibility.
- Does a business credit card affect my personal credit?
It can, especially if you’ve provided a personal guarantee. Some issuers report business card activity to personal credit agencies.
- What happens if I don’t pay a business credit card?
If you’ve signed a personal guarantee, you may be personally responsible for the debt. Defaulting can also hurt your personal credit score.
A business credit card is more than just a tool for making purchases — it’s a way to streamline operations, build credit, earn rewards, and protect your cash flow.
The right card should match your company’s size, spending habits, and future goals.
Whether you prioritize cashback, travel perks, or low fees, there’s a card out there designed for you.
Take the time to compare offers, understand your eligibility, and choose a card that will grow with your business.
Responsible use of your business credit card will not only unlock short-term benefits but also lay the foundation for long-term financial success.
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