November 18, 2025

Best Credit Cards for Business Owners

Table of Contents

Why the right card can strengthen your finances

Cash flow management is one of the biggest challenges business owners face. In fact, a Federal Reserve survey found that nearly 60% of small businesses struggle with meeting their financial obligations at least once a year. The right credit card can ease that pressure by providing rewards, financing flexibility, and tools to keep expenses organized.

This guide highlights some of the best business credit cards available in the U.S., explaining how they fit different spending habits and growth stages.

Key features to look for

Not all business cards are equal. As an owner, consider these factors before applying:

  • Annual fees vs. benefits: High-fee cards can be worthwhile if you maximize rewards or travel perks.
  • Reward structure: Flat-rate cash back is best for general spending, while category bonuses help if your expenses are concentrated in travel, advertising, or dining.
  • Introductory offers: Large welcome bonuses or 0% APR periods can provide early financial breathing room.
  • Expense management: Some cards include virtual cards, receipt capture, and integrations with accounting tools.
  • Personal guarantee requirements: Many cards tie approval to your personal credit, while newer platforms sometimes avoid that.
  • Foreign transaction fees: A deal-breaker if you spend internationally.

Best credit cards for business owners in the U.S.

1. Chase Ink Business Unlimited®

  • What it offers: 1.5% cash back on every purchase, no annual fee, and a generous sign-up bonus.
  • Best for: Owners who want a straightforward rewards structure without worrying about categories.
  • Watch out for: Rewards rate may be lower than category-based cards if you have concentrated spend.

2. American Express Blue Business® Plus

  • What it offers: Earn Membership Rewards points on everyday spending, no annual fee, and sometimes an intro 0% APR.
  • Best for: Businesses that value flexible rewards points for travel or transfers.
  • Watch out for: Interest rates after the intro period can be high if you plan to carry a balance.

3. Capital One Spark Cash Plus

  • What it offers: Strong flat-rate cash back (2% on all purchases) and additional perks on travel booked through Capital One.
  • Best for: High-spending owners who can justify the annual fee with rewards earned.
  • Watch out for: Must pay the balance in full each month — it’s a charge card, not a revolving credit line.

4. Brex Card

  • What it offers: No personal guarantee, high credit limits, and powerful spend management tools.
  • Best for: Funded startups or fast-growing businesses that qualify under Brex’s requirements.
  • Watch out for: Smaller or bootstrapped businesses may not meet the eligibility criteria.

5. Ramp Visa Corporate Card

  • What it offers: Unlimited 1.5% cash back, expense controls, receipt matching, and virtual cards for employees.
  • Best for: Companies that want automation and visibility into spending rather than travel perks.
  • Watch out for: Limited rewards categories compared to premium travel cards.

6. American Express Business Gold Card

  • What it offers: 4x points in top spending categories such as advertising, technology, and travel.
  • Best for: Owners with heavy spend in specific categories where bonus rates apply.
  • Watch out for: The annual fee is high, so it only pays off if you take full advantage of rewards.

Which card is right for your business?

  • General spending with no category focus: Chase Ink Business Unlimited or Capital One Spark Cash Plus.
  • Travel and flexible rewards: AmEx Business Gold or Blue Business Plus.
  • Need strong spend controls: Ramp or Brex.
  • Prefer no annual fee: Ink Business Unlimited or Blue Business Plus.

Final takeaway

A business credit card should be more than a payment tool — it should help you manage cash flow, simplify expenses, and reward your spending. The best card depends on your revenue stage, spending categories, and whether you prioritize rewards, automation, or low cost. Choosing the right fit now can make financial management much smoother as your business grows.

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R&D Offer Quiz

Step 1 of 3

Answer to find out if you're eligible for R&D tax credits.

Do the activities performed relate to a new or improved business component’s function, performance, reliability, quality, or composition?(Required)
For Example: A mid-sized packaging company develops a slightly modified cardboard box design to improve its stacking strength (reliability) for warehouse storage, involving minor adjustments to the corrugation pattern to reduce collapse under standard weight loads.
Is your company trying to discover information to eliminate uncertainty concerning the capability or method for developing or improving a business component?(Required)
For Example: A furniture manufacturer investigates whether a cheaper wood adhesive can hold joints as effectively as the current one during assembly, testing bond strength to resolve doubts about its capability in standard production lines.
Do the activities performed constitute a process of experimentation?(Required)
For Example: An auto parts supplier runs a series of bench tests on different lubricant formulations to find one that reduces friction in engine bearings more effectively, systematically comparing wear rates over simulated operating cycles.