10 Best Credit Cards for Small Businesses in 2025 -

Best credit cards for small businesses will interest people who want to start their businesses. Running a small business is no small feat; having the right financial tools can make all the difference. Credit cards tailored for small businesses offer unique benefits like cashback, travel rewards, and expense management tools.

These features can significantly enhance cash flow, streamline operations, and provide rewards for everyday expenses. This article explores the 10 best credit cards for small businesses in 2025, focusing on their features, benefits, and how they cater to diverse business needs.

Table of Contents

1.0 Best credit cards for small businesses

The best credit cards for small businesses provide tailored benefits designed to support and streamline business operations. They offer features like rewards on key spending categories, expense management tools, and higher credit limits. Cards like the Chase Ink Business Preferred and American Express Business Gold deliver robust rewards on travel, advertising, and technology purchases, while options like the Brex Card for Startups eliminate the need for personal guarantees, making them ideal for new ventures.

These cards also enhance financial flexibility through extended payment terms and seamless integration with accounting software, ensuring that businesses of all sizes can manage expenses efficiently and earn valuable perks for their spending.

2.0 Why Choose the Best Credit Cards for Small Businesses?

The best credit cards for small businesses provide more than just a line of credit. They offer tailored rewards programs, enhanced security features, and integration with accounting software, making it easier to manage finances. For example, the American Express Business Gold Card provides rewards for the categories where businesses spend the most, such as advertising and shipping. By choosing the best credit cards for small businesses, entrepreneurs can maximize rewards and optimize spending while accessing tools that simplify bookkeeping.

1. Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Credit Card is a top contender among the best credit cards for small businesses due to its robust rewards program. Cardholders earn 3 points per dollar on travel and select business categories and 1 point per dollar on other purchases. Points can be redeemed through the Chase Ultimate Rewards portal for a 25% bonus.

According to a 2025 report by NerdWallet, the Chase Ink Business Preferred® card remains a favorite among small businesses for its flexibility and high-value rewards (NerdWallet, 2025).

2. American Express Business Gold Card

The American Express Business Gold Card stands out as one of the best credit cards for small businesses thanks to its customizable rewards program. Cardholders earn 4X Membership Rewards points on the top two monthly spending categories, including airfare, advertising, and technology purchases.

A study by Business Insider highlights that the American Express Business Gold Card’s flexibility makes it ideal for businesses with dynamic spending needs (Business Insider, 2025).

3. Capital One Spark Cash Plus

The Capital One Spark Cash Plus is a straightforward cashback card that offers unlimited 2% cashback on all purchases. Its lack of a preset spending limit provides flexibility for growing businesses, making it one of the best credit cards for small businesses focused on simplicity and cash flow management.

Forbes reported in 2024 that Capital One’s Spark Cash Plus is a favorite for small businesses due to its high cashback rates and no-hassle rewards structure (Forbes, 2024).

4. Brex Card for Startups

The Brex Card for Startups is designed specifically for new and growing businesses. It requires no personal guarantee and offers up to 7X points on rideshare, travel, and software subscriptions. Brex also integrates seamlessly with accounting platforms like QuickBooks and Xero, making it one of the best credit cards for small businesses with technology-driven operations.

TechCrunch noted 2025 that Brex’s focus on startup needs has disrupted the small business credit card market (TechCrunch, 2025).

5. Bank of America Business Advantage Customized Cash Rewards Credit Card

The Bank of America Business Advantage Customized Cash Rewards Credit Card is highly customizable. Cardholders can choose a 3% cashback category, such as gas, office supplies, or travel. Additionally, cardholders earn 2% cashback at wholesale clubs and 1% on other purchases.

A white paper by the Federal Reserve in 2025 highlighted Bank of America’s tailored offerings for small businesses, emphasizing its role in supporting diverse business models (Federal Reserve, 2025).

6. U.S. Bank Business Leverage® Visa Signature® Card

The U.S. Bank Business Leverage® Visa Signature® Card rewards businesses with 2X points in the top two categories they spend the most in each month, making it one of the best credit cards for small businesses with varied expenses. Categories include shipping, advertising, and dining.

In 2024, PYMNTS noted that the U.S. Bank’s focus on leveraging business spending patterns has made its cards highly desirable among small enterprises (PYMNTS, 2024).

7. Costco Anywhere Visa® Business Card by Citi

For businesses that rely on bulk purchases, the Costco Anywhere Visa® Business Card by Citi offers impressive rewards, including 4% cashback on eligible gas purchases and 3% on restaurants and travel. As one of the best credit cards for small businesses tied to wholesale purchasing, it’s a cost-effective choice for retailers and service providers.

A 2025 review by FinExtra praised the Costco Anywhere Visa® Business Card for its targeted rewards for small business owners (FinExtra, 2025).

8. Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card is perfect for businesses that frequently purchase from Amazon or Whole Foods. Cardholders earn 5% back on eligible purchases and enjoy 90-day payment terms. Its benefits make it one of the best credit cards for small businesses in e-commerce or retail.

Gartner’s 2025 report on business tools highlights Amazon’s strategic positioning with this card, emphasizing its appeal to online-focused enterprises (Gartner, 2025).

9. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is a straightforward and reliable choice among the best credit cards for small businesses. With its cash back or points rewards options and no annual fee, it caters to businesses with moderate spending.

PaymentsJournal noted in 2024 that Wells Fargo’s business cards remain a top pick for small enterprises due to their no-frills rewards and competitive rates (PaymentsJournal, 2024).

10. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Frequent travelers will appreciate the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, which offers 2X miles on eligible American Airlines purchases and select business categories. It’s among the best credit cards for small businesses prioritizing travel rewards.

According to The Verge, this card’s travel perks and airline-specific benefits make it a top choice for business owners who travel frequently (The Verge, 2025).

3.0 Key Features of the Best Credit Cards for Small Businesses

Tailored Rewards: Many of the best credit cards for small businesses offer rewards in categories like travel, advertising, or office supplies, providing value based on spending habits.
Expense Management Tools: Features like integration with accounting software, detailed spending reports, and employee card controls simplify financial management.
High Credit Limits: Designed to support business expenses, these cards often offer higher limits than personal credit cards.
Flexible Payment Terms: Many cards offer options like extended payment terms or no-interest periods, helping businesses manage cash flow.

4.0 Frequently Asked Questions (FAQs)

1. What are the best credit cards for small businesses?

The best credit cards for small businesses include the Chase Ink Business Preferred®, American Express Business Gold, and Brex Card for Startups. These cards offer tailored rewards, high limits, and robust expense management tools.

2. Do I need a personal guarantee for a small business credit card?

Some cards, like the Brex Card, don’t require a personal guarantee, while others may. It depends on the issuer’s policies and the business’s financial profile.

3. Can I get rewards for employee spending?

Yes, most of the best credit cards for small businesses allow you to earn rewards on purchases made with employee cards.

4. Are business credit cards tax-deductible?

While the interest on business credit cards is typically tax-deductible, it’s best to consult a tax advisor for specifics regarding your situation.

5. How do I choose the right small business credit card?

Consider factors like spending patterns, desired rewards, and whether you need features like travel perks or integration with accounting software.

5.0 Conclusion

The best credit cards for small businesses in 2025 cater to diverse needs, offering rewards, enhanced security, and tools to streamline financial management. From the Chase Ink Business Preferred®’s high-value points program to the Amazon Business Prime American Express Card’s tailored perks for e-commerce businesses, there’s a card for every entrepreneur.

By selecting the right credit card, small business owners can unlock significant benefits, improve cash flow, and gain valuable insights into their spending patterns. The right financial tools can be the key to scaling your business successfully.

References

Business Insider. (2025). Review of American Express Business Gold Card. Retrieved from www.businessinsider.com\n
Federal Reserve. (2025). Tailored Credit Solutions for Small Businesses. Retrieved from www.federalreserve.gov\n
FinExtra. (2025). Costco Anywhere Visa: A Retailer\u2019s Choice. Retrieved from www.finextra.com\n
Forbes. (2024). Capital One Spark Cash Plus Overview. Retrieved from www.forbes.com\n
Gartner. (2025). Business Tools for E-commerce Enterprises. Retrieved from www.gartner.com\n
NerdWallet. (2025). Chase Ink Business Preferred\u00ae Review. Retrieved from www.nerdwallet.com\n
PaymentsJournal. (2024). Wells Fargo Business Cards Analysis. Retrieved from www.paymentsjournal.com\n
PYMNTS. (2024). U.S. Bank Business Leverage\u00ae Visa Insights. Retrieved from www.pymnts.com\n
TechCrunch. (2025). Brex Card for Startups: A Market Disruptor. Retrieved from www.techcrunch.com\n
The Verge. (2025). CitiBusiness\u00ae / AAdvantage\u00ae Travel Perks. Retrieved from www.theverge.com