Compare the 7 Best Business Credit Cards for Ecommerce Companies

What is the best business credit card for ecommerce, and how to choose one for your store?

Running an online store means managing a constant flow of transactions: supplier payments, shipping costs, advertising expenses, SaaS subscriptions, marketplace fees, and more. The right business credit card can help you better manage these expenses and provide advanced tools and flexible spending to enhance your ecommerce business’s operations.

Today’s business credit card issuers recognize the unique cash-flow cycles and platform dependencies that define digital retail. Many business credit cards now include advanced features that help business owners track inflows and outflows, manage team budgets, and stay organized across multiple sales channels and payment systems.

This guide breaks down the key benefits and best practices for leveraging a business credit card in the ecommerce industry, along with our top picks for the best options available today. We’ll also highlight the standout features of the Slash Visa® Platinum Card—a modern corporate charge card with advantages suited for digital-first businesses.¹ With Slash, ecommerce owners can gain access to powerful spend controls, multi-entity support, real-time payment insights, up to 2% cashback on purchases, and more. Keep reading to learn more:

Business credit cards for ecommerce: 7 benefits

There’s far more to a business credit card than just the power to make purchases. A well-structured corporate card program, integrated with a centralized financial dashboard, can provide practical insights into spending behavior, streamline expense management, and prevent misuse or fraud. Below are seven benefits that can result from integrating a business credit card in your ecommerce operations:

1. Reduce payment friction with vendors and suppliers

Vendor payments can be faster, more secure, and easier to manage when processed through a business credit card. Business credit cards offer a more reliable payment method, with instant transactions that don’t risk bouncing or take days to clear, helping strengthen vendor relationships and keep your supply chain running smoothly. With Slash, you can issue and manage an unlimited number of dedicated virtual cards for individual vendors or recurring transactions, giving you greater control over your outgoing business expenses.

2. Separate business and personal expenses

Separating your business and personal expenses is an important rule for business finance. Shifting purchases to a dedicated business account is a simple yet impactful step that can strengthen nearly every aspect of your operations. When personal and business charges appear on the same statement, it complicates tax preparation, slows account reconciliation, and limits the accuracy of your spending analytics. One of the most straightforward ways to maintain clear expense separation is by using a business credit card exclusively for business purchases.

3. Support multiple currencies and global transactions

Managing international supplier relationships requires reliable and efficient payment options. With Slash, you can automate payments to vendors in more than 180 countries through the SWIFT network and send payments instantly with ACH, wire transfers, or RTP. For non-U.S. ecommerce stores, Slash’s Global USD account supports the transfer of USD with stablecoin on-and-off ramps (for USDSL, USDC, USDT), helping you move money globally with fewer fees and faster settlement times.⁴

4. Earn cashback and card rewards

The rewards offered from business credit cards–like cashback, statement credits, and supplier discounts–can turn everyday purchases into additional revenue. Selecting a card that aligns with your store’s primary spending categories helps you maximize these returns. Since ecommerce businesses may exhibit irregular or fluctuating spending patterns, a flat-rate cash-back card like the Slash Platinum Card is a strong choice for online storefronts–offering up to 2% cash back on purchases.

5. Automate expense tracking and streamline accounting

Some modern business credit card dashboards, like Slash, offer real-time payment insights, automatic expense categorization, month-to-month spending analytics, and more. These features can drastically reduce the time and effort your team spends creating expense reports or reconciling finances. Syncing your financial data with integrated accounting services from QuickBooks and Xero provides additional tools to help your ecommerce business maintain records, file taxes, and manage expenses.

6. Access more flexible spending

Access to flexible spending is about more than just high credit limits. While traditional business credit cards can offer greater purchasing power than personal cards, Slash takes a more dynamic approach with a corporate charge card structure. Instead of revolving credit, balances are paid in full each billing cycle, encouraging healthier cash flow management while still giving your business the freedom to scale. And, Slash’s corporate cards allow you to set individual spending limits and customize spend controls, giving your business more flexibility and smarter oversight.

7. Protect financial information and prevent fraud

While no payment method is completely resistant to fraud, virtual cards can provide better security than a physical business credit card. Slash’s virtual cards are stored in cloud-based wallets, making them less susceptible to loss or theft; they also encrypt transaction data through tokenization, minimizing the chance of skimming when making a purchase. With visibility into your spending trends and instant alerts, Slash can help you spot irregularities quickly, giving you a chance to protect your business before serious damage occurs.

What are the best credit card options for ecommerce?

Depending on the goals of your ecommerce business—whether you want fast growth, international sales, or control over your employees’ spending—different cards can provide different levels of utility. Below, we’ve shared some of our picks for the best credit cards for ecommerce in 2025:

Best overall for ecommerce business: Slash Visa® Platinum Card

The Slash Visa® Platinum Card is a corporate charge card tailored for digital-first businesses. Each card is paired with the Slash financial dashboard, which provides granular spend controls, card grouping, real-time insights, and in-depth analytics to help you manage expenses more efficiently. Cardholders can earn up to 2% cash back on purchases, a high flat-rate reward that can generate consistent value for your business. Beyond card functionality, Slash makes it easy to move money wherever your business needs it. You can send funds to merchants and vendors domestically with free ACH transfers, or make international payments to more than 160 countries through the SWIFT network.

Best for travel-heavy ecommerce businesses: American Express Business Gold Card

The Amex Business Gold Card is a charge card that remains a strong choice for established businesses with significant travel or advertising expenses. Cardholders earn 4x Membership Rewards® points on select categories, including flights and advertising purchases through Amex Travel. However, the Amex Gold’s $375 annual fee and higher credit score requirements may make it better suited for established ecommerce brands with international supplier relationships.

Best for simple cashback: Capital One® Spark Cash for Business

The Spark Cash business credit card offers cashback on purchases with no category restrictions, making it a competitive rewards earner for those who want a traditional credit card. The card has more limited expense management tools than some competitors, like the inability to issue unlimited virtual cards or customizable spend controls. While it’s a strong cashback earner, the card’s limited features and high credit score requirement hold it back.

Best for larger teams and enterprise ecommerce: Brex Card

The Brex card integrates with a powerful financial dashboard that offers dynamic spend controls and automated expense management. However, the card may not be an ideal option for smaller ecommerce operations with limited revenue, as the Brex card is more optimized for venture-backed or high-growth companies. The Brex card also offers points through its affiliate rewards program; however, its complex structure and varying point values may not offer the same consistency as a flat-rate cashback card, making the rewards less relevant for some businesses.

Best for quick points earning: Chase Ink Business Preferred® Card

The Chase Ink line is a popular choice for business owners; with the Business Preferred card, you can unlock several travel rewards through Chase Travel with their introductory offer of 90,000 bonus points if you spend $8,000 within your first 3 months after account opening. However, the card may not provide the same powerful spending controls, expense tracking tools, or virtual card issuance as some competitors.

Best for premium travel rewards: American Express Business Platinum

The Amex Platinum is another quality corporate charge card from Amex. Offering more exclusive perks, more statement credits, and more points for spending in the Amex Travel rewards program–up to 5x. The card offers many of the same benefits as the Amex Gold, including more elevated bonuses like a $600 annual hotel credit or Leaders Club Sterling Status. However, the platinum finish comes at a price, as the card’s annual fee was recently raised to $895.

Best for up-front spending: American Express Blue Business® Plus Credit Card

The American Express Blue Business® Plus card may be a more accessible entry point into the Amex business card lineup. It comes with no annual fee and an introductory 0% APR for the first 12 billing cycles, which could benefit smaller ecommerce companies that need flexible up-front spending. However, the card does come with a 2.7% foreign transaction fee and a variable APR that can exceed 27% after the introductory period, which can add up quickly for businesses with international vendors or ongoing balances.

Choosing the best business credit card for ecommerce

Before you make your choice, there are some considerations you should account for when picking the right card for your ecommerce business. Each card may have its own strengths, but aligning features with your financial goals and operational needs is key. Here are some additional details you should think about when applying for your next card:

• Annual fees: While many business credit cards offer impressive rewards, the most premium perks often come at a cost. Paying for niche benefits you rarely use can quickly become a sunk cost. With Slash, you can choose our free-to-use cashback charge card or upgrade to the Slash Platinum Card, a high-earning rewards card that earns up to 2% cashback on purchases.
• Terms and conditions: Most applicants know that business credit cards have specific credit score and financial requirements, but fewer realize that some cards require a personal guarantee. This means you’re personally responsible for repaying the card balance if your business cannot. For ecommerce founders—especially those in high-risk or early-stage ventures—this can expose your personal credit and assets to risk.
• Fees: When evaluating cards, pay close attention to all listed fees, including late payment penalties, foreign transaction charges, and balance transfer costs.
• Credit limit: A high credit limit can be useful for scaling operations, but it can also be risky if you overspend before revenue catches up. Slash strikes a balance by offering no preset spending limits while maintaining a charge-card structure that encourages responsible repayment. This gives ecommerce businesses flexible purchasing power without the danger of accumulating revolving debt.

The right business credit card can drastically improve your ecommerce operations, but rushing to get approved without accounting for all the terms, fees, and limitations associated with the card may cause trouble down the line. Diligent research can ensure that your credit card works for your business, not against it.

Optimize ecommerce finances with Slash

As your ecommerce business grows—adding new products, services, employees, and suppliers—keeping finances organized becomes more complex. A card built for modern, global operations, like the Slash Platinum Card, can help simplify that growth.

Slash’s corporate charge cards and integrated financial dashboard give ecommerce businesses the tools they need to advance: multi-entity support, virtual cards with custom groupings, international fund transfers, and more.

Whether you’re strictly ecom or developing in another industry, Slash provides features that simplify financial management for any business, including integrated accounting with QuickBooks and Xero, automated expense tracking, and real-time spend insights.

Spend less time managing payments and more time growing your store with Slash.

Learn more at slash.com.