Best Small Business Credit Cards of 2025

However, corporate credit cards have disrupted this tradition by basing business card eligibility on business structure and cash flow rather than credit scores and personal guarantees. You won’t be able to carry a monthly balance with a corporate card, but you will get access to funds for business purchases and employee purchases (generally with higher credit limits). If you don’t have a business credit score yet, check out the best corporate credit cards to see your options. All business credit cards come with convenient access to financing as well as the ability to separate your personal expenses from your business, which can help with accounting. Many also come equipped with tools and functionalities to export transactions into tax and accounting software for easier filing as well as ways to monitor spending or set limits on employee cards.

Delta SkyMiles® Platinum Business American Express Card

• If you have a business banking relationship with Capital One, consider the Capital One Venture X Business card.
• If you do carry a balance, you’ll be required to pay off the purchase cost plus all accrued interest rate charges.
• Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.
• Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands.

This card also comes with no annual fee, making it a good fit for small businesses that want to maximize return on their most common operating expenses. To determine which business cards offer the best value, CNBC Select analyzed business credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S. Many of the best business credit cards will not appear on your personal credit report. However, depending on the card issuer, your business credit card account may show up on your personal credit reports. While it’s easy and free to check your personal credit score, the process with a business credit report requires jumping through a few more hoops.

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Here’s what to look for in a card for several types of businesses, along with our top picks. Examine the benefits of having a business credit card and what you’ll need to get started. You could be eligible even if your business is small or you just started it. And freelance work or side hustles such as food delivery or rideshare work, could help you qualify for a business credit card. If you choose a business card without looking into the benefits it offers outside of rewards, you’re missing out on a lot of potential value. Some cards offer shopping or travel protections, which can help you save money by avoiding the extra cost of things like rental car insurance or extended warranty benefits.

This could be leveraged if your business needs a little extra time to cover expenses. Running a business comes with a myriad of expenses, but credit card annual fees don’t have to be one of them. While premium business cards tout flashy perks, you’ll find no-annual-fee cards that deliver solid rewards, useful features and spending flexibility.

• When you apply for a credit card, you may be asked to provide personal as well as business information.
• To find the best business cards, we started with the assumption that there isn’t one single best business card.
• I would have paid in cash, but the 0% APR period allowed me to put that cash in a high-yield savings account and earn interest over the promotional period.

For rates and fees of the Marriott Bonvoy Business® American Express® Card, please click here. For rates and fees of The Business Platinum Card® from American Express, please click here. For rates and fees of The American Express Blue Business Cash™ Card, please click here.

Personal credit cards are meant for individuals to use on everyday expenses, such as groceries or gas. The Capital One Platinum Secured Credit Card is a solid option for this use case. It does not offer rewards but helps build credit by reporting to credit bureaus. If you’d rather not choose a secured card, the Capital One Spark Classic (also featured earlier) offers a path to approval best small business credit cards with lower credit scores and does provide 1% cash back.

Plus, you’ll get two Membership Rewards® points for every $1 you spend on eligible purchases on up to $50,000 every calendar year (then one point per $1). With Ramp, you’ll also get partner rewards like discounts on popular business software and services and unique savings insights. And if saving money is your goal, Ramp’s lack of fees is a great benefit for businesses as well. Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

For even more value, you’ll find a 0% introductory APR on purchases for 12 months, then a standard APR of 17.49% to 25.49% variable applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. A business credit card allows business owners to make purchases and earn business-specific rewards for spending.

You can also take advantage of extended warranty coverage, no foreign transaction fees and roadside assistance. The Ink Business Cash Credit Card is a top choice if you’re looking to boost your rewards balance with generous bonus spending categories. The Business Platinum Card from American Express is a top-notch card offering over a dozen premium perks for business owners. The Chase Ink Business Unlimited is an excellent pick if you don’t want to pay an annual fee. Fans of Capital One who frequently book travel via the Capital One’s travel booking site and want a card the offers no foreign transaction fees. The Southwest Rapid Rewards Performance Business card is ideal for business travelers and loyal Southwest flyers interested in hitting A-List status or earning a Companion Pass.

The American Express Blue Business Cash™ Card is perfect for small businesses looking for straightforward cashback on everyday purchases. With 2% cashback on up to $50,000 in eligible purchases each calendar year and no annual fee, this card offers a strong blend of rewards and flexibility. With the Ink Business Unlimited® Credit Card, small business owners can enjoy unlimited 1.5% cashback on every purchase, without worrying about tracking bonus categories.