Top Small Business Credit Cards of 2025? The best 8 Credit Cards to use for your Business
Your business may be small, but your credit card rewards can be significant. Explore these business credit cards to discover better bonuses and rewards. Compare the offers from our partners to find the option that suits you best.
Selecting the right credit card is crucial for small business owners aiming to optimize expenses and maximize rewards. As of January 2025, here are eight top small business credit cards to consider:
When choosing a card, consider your business’s spending patterns, the value of rewards offered, and any associated fees to ensure the best fit for your financial strategy.
Ink Business Preferred® Credit Card
Offers 90,000 bonus points after spending $8,000 in the first 3 months. Earn 3 points per $1 on the first $150,000 spent on travel and select business categories annually. Annual fee:95 Earn 90,000 bonus points with the Ink Business Preferred® card or up to $1,000 bonus cash back with the Ink Business Premier? card, Ink Business Unlimited® card or Ink Business Cash® card. I can be rewarded if you apply here and are approved for the card.
Capital One Venture X Business
Earn 150,000 bonus miles after spending $30,000 in the first 3 months. Unlimited 2 miles per $1 on every purchase; 10 miles per $1 on hotels and rental cars booked through Capital One Travel. Annual fee: $395.https://i.capitalone.com/JY50qXKpb
The Business Platinum Card® from American Express
Receive 150,000 Membership Rewards® points after spending $20,000 in the first 3 months. Earn 5X points on flights and prepaid hotels booked through Amex Travel. Annual fee: $695. ( Here’s my Amex referral link. Use it and we could both earn rewards if you are approved and get a Card. Check out offers and Card benefits. https://americanexpress.com/en-us/referral/business-platinum-charge-card?ref=SPIRUs672UN&XLINK=MYCP
American Express® Business Gold Card
Earn 100,000 Membership Rewards® points after spending $15,000 in the first 3 months. 4X points on the 2 select categories where your business spends the most each month (up to $150,000 in combined purchases annually). Annual fee: $375.
Ink Business Cash® Credit Card
Earn up to $750 cash back after meeting spending thresholds in the first 6 months. 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. Annual fee: $0
Ink Business Unlimited® Credit Card
Earn $750 bonus cash back after spending $6,000 in the first 3 months. Unlimited 1.5% cash back on every purchase. Annual fee: $0.
United? Business Card
Earn 75,000 bonus miles after spending $5,000 in the first 3 months. 2 miles per $1 spent on United purchases, dining, gas stations, office supply stores, and on local transit and commuting. Annual fee: $0 intro for the first year, then $99
The Hilton Honors American Express Business Card
Earn 130,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months. Earn 12X Hilton Honors Bonus Points on purchases at hotels and resorts in the Hilton portfolio. Annual fee: $195.
When choosing a credit card, consider your business’s spending patterns, the value of rewards offered, annual fees, and any additional benefits that align with your business needs. It’s essential to review the terms and conditions of each card to ensure it fits your financial strategy.
