7 Exceptional Small Business Credit Cards of 2025

Earn $750 when you spend $6,000 on purchases in the first three months after account opening

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases

With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

No Annual Fee

Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

0% introductory APR for 12 months on purchases

Earn 5% total cash back on Lyft rides through 9/30/27.

Member FDIC

Real-time visibility into business spending to help guide strategic business decisions

Seamless accounting and ERP integrations including NetSuite, Xero, QuickBooks, and more

Control wasteful spending before it happens with built-in vendor and category restrictions

Ramp is the world's first finance automation platform designed to save businesses time and money

5-in-1 platform combining corporate cards, expense management, bill payments, accounting integrations, and real-time reporting into one free solution

Up to 1.5% cashback on every purchase, with no limits or restrictions

Custom-branded physical cards

Virtual cards with support for Apple and Google Pay

First and only credit card with capabilities to control spend at the merchant, category, spend, and frequency level

No annual fees, interest rates, or foreign transaction fees

Ramp helps businesses save 5% on average

Zero liability & fraud protection

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earn unlimited 1.5% cash back on every purchase made for your business

No Annual Fee

Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

Round-the-clock monitoring for unusual credit card purchases

With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

0% introductory APR for 12 months on purchases

Earn 5% total cash back on Lyft rides through 9/30/27.

Member FDIC

LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months

Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions

Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel

With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards

Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease

Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs

Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel

Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment

Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

This is a pay-in-full card, so your balance is due in full every month

Top rated mobile app

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.

See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.

Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.

No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.

Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.

Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.

Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).

Maximize your time away with Fine Hotels + Resorts through Amex Travel™.

Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.

Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.

Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.

Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.

2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

5X points on flights and prepaid hotels on AmexTravel.com

1X points on other eligible purchases

$895 Annual Fee.

Terms Apply.

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.

No annual cap and cash rewards don’t expire as long as your account remains open.

No annual fee.

Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.

0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.

Contactless Cards - the security of a chip card, with the convenience of a tap.

This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening

For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line

Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

$0 annual fee for the first year; $95 after that

Free employee cards, which also earn unlimited 2% cash back on all purchases

Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount

No foreign transaction fees

Top rated mobile app