Last updated Feb. 3, 2025 by Charles Zemub
Choosing the right credit card as a small business owner can help streamline operations, improve cash flow, and optimize spending strategies. With an array of choices each offering unique bonuses, rewards, and perks, finding the best card to suit your specific needs can significantly impact your business’s bottom line. Here is a comprehensive guide to the best small business credit cards available in November 2025, including rewards, fees, and other features that can benefit your enterprise.
1. American Express Blue Business Plus
Overview: The American Express Blue Business Plus card offers a robust rewards program with no annual fee, making it an excellent choice for business owners looking to maximize rewards without incurring extra costs.
Rewards: Earn 2 points per dollar on everyday business purchases up to the first $50,000 annually; 1 point per dollar thereafter.
Benefits:
- No annual fee
- Flexible payment terms
- Expense management tools
- Access to Amex Offers
2. Chase Ink Business Preferred
Overview: Known for its generous sign-up bonus and category bonuses, the Chase Ink Business Preferred card is ideal for companies with significant travel and advertising expenses.
Rewards: Earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping, Internet, cable, and phone services each account anniversary year.
Benefits:
- Large sign-up bonus
- Trip cancellation/interruption insurance
- No foreign transaction fees
3. Capital One Spark Cash Plus
Overview: Designed for simple cash rewards, the Capital One Spark Cash Plus card caters to businesses with predictable spending patterns.
Rewards: Get unlimited 2% cash back on every purchase, with no restrictions on categories.
Benefits:
- No preset spending limit
- No foreign transaction fees
- $150 annual fee
4. Bank of America Business Advantage Customized Cash Rewards
Overview: This flexible card allows you to tailor your rewards to match your business spending habits.
Rewards: Earn 3% cash back in the category of your choice, 2% on dining, and unlimited 1% on all other purchases.
Benefits:
- $0 introductory annual fee
- Higher rewards for Preferred Rewards for Business members
- Flexible redemption options
5. Discover it Business Card
Overview: Best for businesses interested in a straightforward cash back program without annual fees.
Rewards: 1.5% unlimited cash back for all purchases.
Benefits:
- No annual fee
- Free employee cards
- Comprehensive fraud protection
6. CitiBusiness AAdvantage Platinum Select
Overview: Ideal for businesses that prefer travel rewards, particularly with American Airlines.
Rewards: Earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases and in select business categories.
Benefits:
- First checked bag free on domestic American Airlines itineraries
- Preferred boarding on American Airlines flights
- Companion certificate each year
7. U.S. Bank Business Leverage Visa Signature
Overview: Offers scalable rewards tailored to match multiple business spending patterns.
Rewards: Earn 2 points per dollar spent on the top two categories where your business spends the most each month automatically.
Benefits:
- No annual fee for the first year, $95 thereafter
- Employee cards at no additional cost
- Extensive travel and emergency assistance services
8. Wells Fargo Business Platinum Credit Card
Overview: A no-frills card best suited for businesses seeking minimal fees and the possibility of earning rewards.
Rewards: Choose between earning 1.5% cash back on every $1 spent or 1 point for every $1 spent, plus 1,000 bonus points each billing cycle when you spend $1,000 or more.
Benefits:
- No annual fee
- Free employee cards
- Zero liability protection
9. Brex Card for Startups
Overview: Designed specifically for startups, the Brex Card offers business owners unique flexibility with no personal liability and no credit score requirement.
Rewards: Up to 7x the points on rideshare purchases, 4x on Brex travel, 3x on dining, 2x on software, 1x on all other transactions.
Benefits:
- No personal guarantee or credit score required
- Credit limit up to 20x higher than traditional cards
- Built-in expense management
10. HSBC Fusion Credit Card
Overview: Perfect for global businesses, offering a mix of rewards and features with international spending capabilities.
Rewards: Earn 2 points per dollar on eligible fuel purchases, 1.5 points per dollar on eligible groceries, and 1 point per dollar on all other purchases.
Benefits:
- No annual fee for the first year
- Complimentary travel insurance
- Worldwide acceptance
11. TD Business Solutions Visa Credit Card
Overview: Ideal for earning cash back on everyday business purchases.
Rewards: Earn 3% cash back on phone, internet, and cable services, 2% on dining, and 1% on other eligible purchases.
Benefits:
- No annual fee
- 5% balance transfer fee
- Introductory APR on purchases and balance transfers
12. Barclays Business AAdvantage Aviator
Overview: Suited for regular American Airlines travelers who want to earn flight rewards.
Rewards: Earn 2 miles per $1 on eligible American Airlines purchases and 1 mile for each $1 spent on other purchases.
Benefits:
- Companion Certificate after meeting spending requirements
- Miles don’t expire as long as there is account activity
- First checked bag free for domestic flights
13. Navy Federal Credit Union Small Business Credit Card
Overview: Offers competitive benefits and rewards for Navy Federal members looking for straightforward benefits at a low cost.
Rewards: Earn 1.5% cash back on all purchases with no cap.
Benefits:
- No annual fees
- Low APR compared to other business cards
- Member-exclusive discounts and perks
14. PNC Cash Rewards for Business
Overview: Optimal for businesses that consistently spend in specific bonus categories.
Rewards: Earn 2% on the first $25,000 in combined purchases at gas stations, restaurants, and other qualified business expenses annually.
Benefits:
- No annual fee
- Simple cash back redemption
- Introductory APR offers
15. Amazon Business Prime American Express Card
Overview: Excellent for businesses heavily reliant on Amazon for supplies and services.
Rewards: 5% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market with an eligible Prime membership.
Benefits:
- No annual fee with Amazon Prime membership
- 90-day interest-free period on U.S. purchases
- Access to tools for business management
16. Hilton Honors American Express Business Card
Overview: Fits businesses that prioritize hotel rewards, especially with Hilton property stays.
Rewards: Earn up to 12x Hilton Honors Bonus Points on eligible purchases at Hilton properties, along with points in select business categories.
Benefits:
- Complimentary Gold status
- Weekend Night Reward after meeting spending criteria
- Priority Pass access to airport lounges
17. Marriott Bonvoy Business® American Express® Card
Overview: Targeted for businesses with frequent stays at Marriott hotels, providing substantial hotel rewards.
Rewards: Earn up to 6x Marriott Bonvoy points for each dollar spent at hotels participating in Marriott Bonvoy.
Benefits:
- Free annual night after each account anniversary
- Elite night credits toward your next elite status
- Trip delay reimbursement
18. Southwest Rapid Rewards Performance Business Card
Overview: Best for frequent flyers on Southwest Airlines looking to earn points on their business spending.
Rewards: Earn 3 points per $1 on Southwest® purchases, 2 points on social media and search engine advertising, internet, cable, and phone services.
Benefits:
- In-flight Wi-Fi credits
- Four upgraded boardings per year (when available)
- No foreign transaction fees
19. U.S. Bank Business Triple Cash Rewards World Elite MasterCard®
Overview: Maximizes cash back potential across several business categories with no annual fee.
Rewards: 3% cash back on eligible purchases at gas stations, office supply stores, cell phone services, and more.
Benefits:
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- Free access to management tools
✓ Short Answer
When choosing a small business credit card, consider factors such as rewards structure, fees, and benefits aligned with your business needs. American Express Blue Business Plus offers excellent everyday rewards with no annual fee, while the Chase Ink Business Preferred provides substantial travel bonuses. Capital One Spark Cash Plus is perfect for straightforward cash back, and the Brex Card caters to startups without personal guarantees. Evaluate credit limits, payment flexibility, and fringe benefits like travel deals or expense management tools. Select a card that enhances your financial strategy and supports business growth.
FAQs
Q: How do I apply for a small business credit card?
A: You can apply directly with the card issuer online or visit a bank branch. Ensure you have your business information, EIN, and financial details ready.
Q: Can I use a personal credit card for my business?
A: While possible, it’s advisable to separate personal and business finances for clearer accounting, liability protection, and business credit building.
Q: How does a business credit card affect personal credit?
A: Most require a personal guarantee, potentially impacting personal credit if payments are missed. Staying current protects both personal and business credit scores.
Q: What is a charge card vs. credit card in a business context?
A: Charge cards often require full balance payments monthly without preset limits, while credit cards permit revolving balances and established credit limits.
Q: Are there specific cards for different industries?
A: Yes, some cards target certain sectors by offering rewards tied to industry-specific purchases, like travel cards for frequent flyers or e-commerce-focused cards for online sales.
