Top Business Cards for Maximizing Rewards in 2025

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months

Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site

Streamline your accounts payable process, employee spending, and more from your online account with free business management tools

Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards

$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year

Spark Cash Plus has no APR because your balance is due in full every month

For businesses that need large spending capacity and want to maximize cash back

Top rated mobile app

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*

Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*

Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*

The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.

*Terms Apply

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 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

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

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