Top Business Credit Cards of 2025

What is the Best Business Credit Card for Your Company in 2025?

Business credit cards are critical tools for any business. Whether big or small, your company needs reliable financial management tools to increase profitability and reach your company’s goals. But the reality is, this growth won’t come without spending cash you don’t yet have. Credit cards erase any burden of restricted capital, allowing your business to spend money to make money, increase your operation and management load, and, ultimately, grow.

Whether you’re paying vendors, managing subscriptions, or funding growth, the best credit card can help your business streamline expenses, earn valuable reward points, build business credit, and give you the tools to access capital when you need it most. In 2025, finding the right business credit card for you shouldn’t be a difficult task, but with a market flooded with cards offering flashy sign-up bonuses and long-term loyalty perks, the search can easily get overwhelming.

In this guide, we’ll break down the best business credit cards of 2025, paying attention to those perks and rewards that’ll best help your unique business succeed. We’ll compare cash back, travel and airline perks, small business cards and more from the best credit card offerings out there right now. Finding the right credit card doesn’t have to be hard and once you’re set, it’ll ultimately lead to better business, better management, and many more rewards for your business.

Why Get a Business Credit Card?

Business credit cards offer more than simply ways to spend. Rather, business cards are powerful financial tools for your company to better manage and reward your company’s success. With built-in tools tailored to better large and small scale operations, business cards go beyond personal credit cards in offering a number of key features built for you company’s success. Some of the key features:

Higher credit limits.
Expense tracking tools.
Industry specific statement credits and cash-back rewards.
Separate personal and business finances.
Build business credit.

Unlike personal banking, business cards are built for your company to grow, reflected in cards built for higher spending, industry-tailored rewards and benefits, financial management tools, and, ultimately, the ability to grow your business credit. For modern businesses, building business credit is an essential to developing your business, affecting your qualified loan options or how you may be assessed by potential vendors.

Your business credit is an essential tool for separating your personal and business finances. While some credit cards may effect your personal credit score, many of the best credit cards of 2025 for small businesses can be completely separate, not requiring a personal guarantee and, ultimately, only impacting your business and not you personally.

Types of Business Credit Cards

All businesses are unique. Luckily, business credit cards are offered with myriad benefits and integrated tools such as cash back rewards, expense tracking, management software, and other perks fit for your industry-specific needs. It’s important to choose a credit card that works best for your business, and here are the key categories to compare when finding the best business credit card for you:

Cash Back Business Cards

For founders who want predictable rewards, cash back business cards reward you with 1-2%+ cash back on spending in key areas of your business. Whether you’re using your card to buy office supplies or even invest in new software tools, cash back cards reward you for every purchase, oftentimes without any additional annual fees.

Travel Rewards Cards

If work requires regular travel, travel rewards cards offer airline and travel perks through rewards points, redeemable flight miles, and statement credits on platforms like American Express Travel and Chase Travel.

Flexible Rewards Cards

For businesses with unanticipated travel or office expenses, flexible rewards cards will let you earn points through a variety of reward options, from travel perks to cash back on office supplies spending.

Cards for New Businesses or Bad Credit

Whether your business is just starting out or has recently hit a dip, credit cards with EIN-approval or limited personal credit checks allow small businesses to grow despite low credit scores. Additional perks may include low to no annual fees and helpful management tools to get your business on the right track.

When finding the best business credit card for you, it’s important to consider features such as cash back rewards and industry-specific perks that will reward you for common business expenses. Annual fees and statement credit rewards are additional options to consider when determining the right fit.

Best Business Credit Cards for 2025

What are the Best Cash Back Business Credit Cards?

Slash Platinum Card

Rewards: Unlimited 2%+ cash back on all purchases with qualifying merchants
Monthly Fee: $25
Key Features: Powerful card controls, spend tracking and analytics, global USD and crypto
Best for: High-spend businesses benefitting from leading cash back offering

Ink Business Unlimited® Credit Card

Rewards: Earn unlimited 1.5% cash back on all purchases
Annual Fee: $0
Key Features: Fast and easy account set-up.
Best for: Businesses using cards for stable everyday expenditures

Capital One Spark Cash Plus

Rewards: Earn unlimited 2% cash back on every purchase
Annual Fee: $150 annual fee
Key Features: Travel and airline rewards, flexible spending
Best for: Consistent, high-spend businesses. Requires card membership in good standing and strong monthly revenue

U.S. Bank Triple Cash Rewards Visa® Business Card

Rewards: Earn 3% cash back on select expense categories (gas, office supplies, cell phone)
Annual Fee: $0
Key Features: $100 statement credit after account opening
Ideal for: Businesses with typical, stable spending

The Blue Business® Plus Credit Card from American Express

Rewards: Earn 2x points on the first $50k in spend per year.
Annual Fee: $0
Key Features: Automatically adjusts credit limits based on spending
Ideal for: New businesses with balanced spending that want to earn without added spending on perks

What are the Best Credit Cards With Travel Rewards?

Ink Business Preferred® Credit Card

Rewards: Earn 3X points on travel, shipping, ads, and telecom
Annual Fee: $95
Key Features: Up to $100 in purchase protection, statement credits available for select partners
Best For: Agencies or remote teams with high travel spending

Capital One Spark Cash Plus

Rewards: Earn 5% cash back on some travel expenses
Annual Fee: $150
Key Features: Earn cash bonuses based on spending
Best For: Businesses with travel and other expenses

Capital One Venture X Business

Rewards: 2x miles on all purchases
Annual Fee: $395
Key Features: $300 annual travel statement credit and airline perks
Best for: Business with frequent travel expenses

The Business Platinum Card® from American Express

Rewards: 5X points on flights and hotels (via Amex Travel)
Annual Fee: $695
Key Features: Up to $400 in annual wireless phone service credits, travel perks including airport lounge access, hotel upgrades and concierge services
Best for: Businesses with frequent travel expenses

What are the Best Credit Cards for Small Businesses?

American Express® Business Gold Card

Rewards: Earn 4X points on top two spending categories each month
Annual Fee: $375
Key Features: Adaptable rewards system

The Blue Business® Plus Credit Card from American Express

Rewards: Earn 2x points up to $50,000/year.
Annual fee: $0
Key Features: Flexible rewards and cost-efficient features for teams beginning to optimize expenses.

Ink Business Cash® Credit Card

Rewards: Earn 5% cash back on office supply stores and internet, cable, and phone services. 2% cash back at restaurants and gas stations
Annual Fee: $0
Key Features: Credit card offers high reward tiers

What are the Easiest Business Credit Cards to Get?

Slash Platinum 2% Cash Back Card

Approval: EIN-only (no SSN or personal guarantee required)
Rewards: Earn 2% Cash Back
Monthly Fee: $25
Best for: Online businesses, startups, and operators with high spend frequency.
Additional features: built-in spend controls and accounting integrations.

Capital One® Spark 1% Classic

Approval: based on credit score (must be at or above average).
Rewards: Earn 1% cash back.
Annual Fee: $0
Best for: Rebuilding business credit while earning basic rewards.

What Do I Need to Apply for a Business Credit Card?

Applying for a business credit card differs from case to case, but you can expect to follow a few basic steps. Before you apply, ensure you are prepared with these essential materials for providers to better understand your business:

Articles of Incorporation, Organization, or similar
Employer Identification Number (EIN)
Estimated monthly revenue and spending
Business License or proof of bank account
Your Social Security Number or a personal credit check, unless you’re applying through a platform that waives this requirement (such as Slash)

To best improve your chances of account opening approval, ensuring all of your documents reflect positive business history is a great first step. Additional attention to personal credit score and maintaining a consistent revenue will further improve your chances.

Still worried? Consider applying through a provider like Slash with fewer application requirements, allowing you to skip steps such as personal credit check and SSN verification.

How to Compare Business Credit Cards

When choosing the best business credit card for your business, it’s important to not only compare options based on interest rates and rewards but to additionally account for operational services included in the card function. Some key questions to consider:

How do rewards points work?
Rewards points let you earn business cash or perks on categories like travel and business expenses. Features to look for include point multipliers and redemption flexibility.
What’s the annual fee. Is it worth it?
Some cards with higher annual fees will actually let cardholders earn hundreds in statement credits, airline and travel perks, and cash back rewards.
What’s the credit limit?
Credit limits are often fixed per card or adjust with your spending.
What perks come with card membership?
Cardholders may earn airline lounge access, insurance coverage, phone protection, or software credits.
Can I get approved with just my EIN?
Business credit cards like the Slash Platinum Card are specifically built to support EIN-only cardholders.
How easy is it to integrate with my accounting tools?
Look for cards with built-in expense management and integrations with platforms like QuickBooks.

Many founders chase high sign-up bonuses and disregard the long-term utilization of a given provider. The best business credit card for your business, however, is the one that helps you spend smarter everyday as your company grows, not only in the first month.

Maximize Rewards and Simplify Business Spending with Slash

A business credit card should be more than just means of payment. Rather, it should help manage business expenses and let you earn rewards and business cash on airline and travel, office supplies, and other common business expenses.

Slash business credit cards offer the perfect mix of rewards, perks, and industry-tailored financial management tools for most developing businesses. Made for business founders who want more from their business credit cards and banking platform, Slash stands out as the best option for many key reasons:

EIN-only account opening. No SSN, credit score, or personal guarantee required
Instant card issuance. Create virtual cards on-demand for team members or vendors
Automated bookkeeping. Built-in spend tracking, limits, and tagging
Rewards that matter. Earn 2%+ cash back with qualifying merchants, plus dynamic card limits

From a solo founder with no personal credit history to small teams trying to stay organized and even to large VC-backed companies, Slash provides a clean cohesive system to manage spending with full visibility and control.

Frequently Asked Questions

Do business cards affect my personal credit score?

Usually, no. Unless you default or miss payments. Some credit card issuers do a soft pull at account opening.

Can I get a business card without an LLC?

Yes. Some business credit cards allow you to apply with just your Social Security Number.

Are there foreign transaction fees?

Yes, some cards charge up to 3% on international purchases. Cards like Capital One Venture X and Business Platinum Card often waive foreign transaction fees.

Do all cards offer balance transfers?

No, but cards like Ink Business Unlimited and Blue Business Plus sometimes offer 0% intro APR on balance transfers.

Which cards offer the most Membership Rewards points?

The Business Platinum Card and American Express Business Gold Card are top earners for Membership Rewards. Both require good credit scores and have higher annual fees, but offer high points earning potential.

How long does account opening take?

It varies. Slash is instant. Traditional issuers like Chase or American Express may take 2–7 business days, depending on documents and credit checks.

Do business cards help my credit score?

They build your business credit score (with Dun & Bradstreet, Experian Business, etc.), which is separate from your personal credit.

Choosing the Best Business Credit Card

There’s no universal best business credit card, only the one that fits how you operate. Based on different categories that better fit your business, here's a quick recap of the top business credit cards of 2025:

Best for Cash Back: Slash Platinum Card
Best for Travel Rewards: The Business Platinum Card® from American Express or Ink Business Preferred® Credit Card
Best for Startups: Slash Platinum Card
Best for Flexibility: The Blue Business® Plus Credit Card from American Express
Best for Everyday Spend: Ink Business Preferred® or Slash Platinum Card
Best Overall: Slash Platinum Card

If you’re issuing real, consistent business expenses every month, your business should have a card that rewards you and sets you up for long-term financial success. Choosing the best business credit card for your business should do more than help you pay, and instead let your business earn, manage, and grow.