Top rated business credit cards 2025

Here are some of the top-rated business credit cards for 2025, tailored to different needs and spending habits:

  1. Ink Business Unlimited® Credit Card
    • Rewards: Unlimited 1.5% cashback on all purchases.
    • Intro Offer: $750 cashback after spending $6,000 in the first 3 months.
    • Annual Fee: $0.
    • Best For: Simple rewards with no spending caps.
  2. American Express® Business Gold Card
    • Rewards: 4X Membership Rewards® points on the top two spending categories (up to $150,000 annually).
    • Intro Offer: 100,000 Membership Rewards® points after spending $15,000 in the first 3 months.
    • Annual Fee: $375.
    • Best For: Businesses with varied spending categories.
  3. Capital One Spark Cash Plus
    • Rewards: Unlimited 2% cashback on all purchases; 5% on hotels and car rentals booked through Capital One Travel.
    • Intro Offer: $2,000 cashback after spending $30,000 in the first 3 months.
    • Annual Fee: $150.
    • Best For: High spenders seeking straightforward cashback.
  4. The Blue Business® Plus Credit Card from American Express
    • Rewards: 2X Membership Rewards® points on the first $50,000 spent annually; 1X thereafter.
    • Intro Offer: 15,000 Membership Rewards® points after spending $3,000 in the first 3 months.
    • Annual Fee: $0.
    • Best For: Small businesses with moderate spending needs.
  5. Brex Corporate Card for Startups
    • Rewards: Multipliers on SaaS subscriptions, travel, and dining.
    • Unique Features: No personal guarantee required; approval based on business cash flow.
    • Best For: Startups and businesses without established credit histories.
  6. The Business Platinum Card® from American Express
    • Rewards: Up to 5X Membership Rewards® points on flights and prepaid hotels booked through AmexTravel.
    • Intro Offer: 150,000 Membership Rewards® points after spending $20,000 in the first 3 months.
    • Annual Fee: $695.
    • Best For: Premium travel benefits and high-spending businesses.

Key Considerations

  • Choose a card based on your business’s primary expenses (e.g., travel, office supplies, or general purchases).
  • Look for cards with no annual fees if you’re a small business with limited expenses (e.g., Ink Business Unlimited).
  • High-spending businesses or frequent travelers might benefit more from premium cards like The Business Platinum Card.

Each card offers unique benefits—evaluate your business’s needs to select the most suitable option.

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