Best Small Business Credit Cards of June 2025

For instance, a card that might be considered mediocre on a list of rewards cards could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains. To pay for purchases over time, you’ll need to enroll in specific line items through the Flex for Business program. This requires some extra planning on your part and will incur interest charges. The American Express Blue Business Cash™ Card pays off with flat-rate rewards for business owners who spend $50,000 or less per year. While it’s shorter than others on this list, it’s nice to have a few months to pay down purchases with the card’s intro APR.

Travel and Airline Benefits

Corporate cards are also reserved for companies with revenue retained earnings balance sheet in the millions of dollars and may require a certain spending quota. You don’t need to be the founder of a large corporation or a restauranteur to be eligible for a business credit card. You may qualify even if you’re starting a business or it’s only a part-time side hustle. Freelance and independent contractor gigs, such as driving for DoorDash or Uber, could help you qualify for a business card. The Capital One Venture X Business card’s straightforward earning structure means you don’t have to juggle multiple rewards categories to maximize your points.

• These types of credit cards do more than offer high bonus rewards on business expenses.
• For rates and fees of the American Express® Business Gold Card, click here.
• Business credit cards can help small-business owners make the most of their day-to-day expenses.
• If you’re a road warrior, for example, you might select a card that rewards purchases at gas stations and hotels.
• Just by holding the card, you’ll be granted Gold Elite status, making you eligible for upgrades, bonus points and even a late checkout.

Annual fee

Plus, Capital One bumps up that earning rate to 5x miles on hotels & rental cars booked through Capital One Travel. With this card, you’ll find the main perk you’ll find is unlimited 1.5% cash back on all business purchases. Considering that the Blue Business Cash has no annual fee and a nice welcome bonus, it’s an excellent value for businesses with more modest spending and travel needs or who need a 12-month window with no APR. We chose Ramp as the best corporate card for businesses because of its unlimited virtual and physical cards, easy expense reimbursements, expense tracking, up to 1.5% cash back, and high credit limits.

• This is an ideal card for business owners whose primary expenses are at office supply stores, telecommunications providers, gas stations or restaurants thanks to those bonus categories.
• Yes, your business-related expenses, payments, and usage habits will help in building credit in the name of your business for future financing needs.
• Cardmembers who applied prior to June 23, 2025, will experience these new benefits and features starting October 26, 2025.
• Getting a card from credit card issuers that report can help ensure you’re building your business credit profile with all major bureaus.

Best Business Card for Travel Rewards

And yes, your personal credit score matters — most business credit cards require good to excellent credit, so it’s worth checking before you apply. While it’s not technically “illegal” to use a business card for personal use, it’s generally against the terms and conditions of most business credit cards. In addition, combining personal and business purchases on a credit card can make it harder to separate legitimate, business-related transactions when tax season rolls around. Finally, business credit cards tend to have fewer protections for cardholders, so using one for personal reasons could backfire. While both types of business credit cards are used to finance a business, small-business credit cards are designed for all small-business owners and have much fewer barriers to entry than corporate credit cards.

The Ramp Card offers up to 1.5% cash back, powerful spend management tools, simple rewards and no annual fee. If you’d prefer to earn https://www.bookstime.com/articles/traditional-vs-virtual-bookkeeping transferable rewards points or get higher earnings in your most common spending categories, the American Express® Business Gold Card might fit well in your wallet. You’ll earn 4 points per dollar (an 8% return on spending based on TPG’s valuations) in your top two spending categories each billing cycle on up to $150,000 of these purchases annually, then 1 point per dollar.

When you apply for a business credit card, you’ll likely incur a hard inquiry on your credit that appears on your credit report and temporarily drops your score by a few points. You can be approved for a business credit card even if your business does not yet have profits. You’ll need a strong personal credit history to be business credit card approved, but it’s possible to secure a business credit card without a profit. The short answer is yes, but it is not prudent to do so because one of the primary benefits of opening a business credit card is to keep business and personal expenses separate. If you default on your payments to the business credit card, however, the information will be reported to your personal credit report. Most issuers do not report activity to your personal credit report unless there is negative activity.