15 Best business credit cards of February 2025
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- Best for large welcome offer: Ink Business Unlimited® Credit Card
- Best for earning rewards on office expenses: Ink Business Cash® Credit Card
- Best for luxury travel perks: The Business Platinum Card® from American Express
- Best for flexible travel redemption: Ink Business Preferred® Credit Card
- Best for reward category flexibility: American Express® Business Gold Card
- Best for no balance transfer fee: Capital One Spark Cash Select
- Best for simplicity: Capital One Spark Cash
- Best for travel perks and credits: Capital One Venture X Business Rewards Credit Card
- Best for annual cash bonus: Capital One Spark Cash Plus
- Best no-annual-fee business card: The Blue Business® Plus Credit Card from American Express
- Best for fair credit: Revenued Business Card
- Best for building business credit: Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
- Best for easy rewards redemption: Capital One Spark Miles for Business
- Best for flat-rate cash back: American Express Blue Business Cash™ Card
- Best for Hilton benefits: The Hilton Honors American Express Business Card
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Showing 15 results
Best for large welcome offer
Intro offer
Earn $750 bonus cash back
Rewards Rate
1.5%
Annual fee
$0
Regular APR
17.49% - 23.49% Variable
Why you'll like this: Its exceptional welcome offer and low cost make it a great starter option if you’re new to building business credit.
Best for earning rewards on office expenses
Intro offer
Earn up to $750 bonus cash back
Rewards Rate
1% - 5%
Annual fee
$0
Regular APR
17.49% - 25.49% Variable
Why you'll like this: This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer.
Best for luxury travel perks
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 150,000 points
Rewards Rate
1X - 5X
Annual fee
$695
Regular APR
18.49% - 27.49% Variable
Why you'll like this: Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart.
Best for flexible travel redemption
Intro offer
Earn 90,000 bonus points
Rewards Rate
1X - 3X
Annual fee
$95
Regular APR
20.24% - 26.24% Variable
Why you'll like this: Its points carry a very high redemption value when you book via Chase Travel℠ or transfer to an airline or hotel partner.
Best for reward category flexibility
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 100,000 points
Rewards Rate
1X - 4X
Annual fee
$375
Regular APR
18.49% - 27.49% Variable
Why you'll like this: It has a high-value welcome offer and great airline transfer partners.
Intro offer
Earn $500 cash back
Rewards Rate
1.5% - 5%
Annual fee
$0
Regular APR
17.49% - 23.49% (Variable)
Why you'll like this: Its flat rewards rate makes it a great fit if you want a card that offers flexibility.
Intro offer
Earn $750 Cash Back
Rewards Rate
2% - 5%
Annual fee
$0 intro for first year; $95 after that
Regular APR
25.24% (Variable)
Why you'll like this: Its flat rewards rate makes earning cash back a breeze, so it’s a great starting point if you’re new to rewards cards.
Best for travel perks and credits
Intro offer
Earn 150,000 miles
Rewards Rate
2X miles - 10X miles
Annual fee
$395
Regular APR
N/A
Why you'll like this: This card includes practical, valuable travel perks at a reasonable cost.
Best for annual cash bonus
Intro offer
$2,000 cash back
Rewards Rate
2% - 5%
Annual fee
$150
Regular APR
N/A
Why you'll like this: You’ll earn a great rewards rate on every purchase without worrying about tracking spending categories.
Best for flat-rate cash back
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
$250 statement credit
Rewards Rate
1% - 2%
Annual fee
No annual fee
APR
17.49% - 25.49% Variable
Why you'll like this: It charges no annual fee and comes with an intro APR offer on purchases — a rarity on business cards.
Intro offer
N/A
Rewards Rate
N/A
Annual fee
None
Regular APR
Factor Based
Why you'll like this: It charges few fees and approval is based on your business revenue, not your credit score.
Best for building business credit
Intro offer
$300
Rewards Rate
1.5%
Annual fee
$0
Regular APR
17.49% - 27.49% Variable APR on purchases and balance transfers
Why you'll like this: You can build your business credit while earning the same rewards as the unsecured version of this card.
Best for easy rewards redemption
Intro offer
Earn 50,000 miles
Rewards Rate
2 Miles - 5 Miles
Annual fee
$0 intro for first year; $95 after that
Regular APR
25.24% (Variable)
Why you'll like this: You can earn rewards on any travel spending — not just bookings with a specific airline or hotel brand.
Best no-annual-fee business card
Cardholder rating
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
15,000 Membership Rewards® points
Rewards Rate
2X
Annual fee
No annual fee
Regular APR
17.49% - 25.49% Variable
Why you'll like this: It offers great payment flexibility with its intro APR and Expanded Buying Power feature.
Best for Hilton benefits
on American Express's secure site
See Rates & Fees, Terms ApplyIntro offer
Earn 130,000 points
Rewards Rate
3X - 12X
Annual fee
$195
Regular APR
19.99% - 28.99% Variable
Why you'll like this: It offers one of the highest rewards rates you can get on Hilton stays.
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Comparing Bankrate’s top small-business credit cards
| Rewards highlights | |||
|---|---|---|---|
| Earn $750 bonus cash back $750 value | N/A | |
| Earn up to $750 bonus cash back $750 value | N/A | |
| Earn 150,000 points $3,000 value | N/A | |
| Earn 90,000 bonus points $1,800 value | N/A | |
| Earn 100,000 points $2,000 value | N/A |
